Nápadomírek continuously analyzes your income and market data, proposes the distribution of free capital and prepares decisions in advance. In the meantime, you devote yourself to the work that supports you.
Military-level encryption · Compliance with CNB regulationThe income of an independent professional varies from month to month according to the number of orders, the seasonality of the field and the payment ethics of clients. This unevenness is not a problem in itself — it only becomes a problem when free capital sits unused in the current account or is allocated regardless of current market conditions.
Nápadomírek automates this process. The system tracks your income history, identifies recurring patterns, and suggests an allocation of available capital before you decide — based on data, not guesswork.
Illustration: fluctuating monthly income (left) versus the stabilized capital curve after applying the optimization model (right, highlighted in gold). The values are indicative.
The models work with historical and current market data and estimate the likely development of your cash-flow over a period of weeks to months. The output is not an unequivocal forecast, but a range of scenarios with an assigned probability, with which the system continues to work.
Based on the prediction, the system proposes the distribution of free capital between the liquidity reserve and longer-term placement. The proposal is recalculated every time there is a major change in the input data, not just once when the account is created.
All communications and stored data are protected by military-grade encryption. Access to sensitive data is separated from the computing layer, so analytics models work with anonymized aggregates, not identifiable records.
The system receives data on income, expenditure and available liquidity from linked accounts. The inputs are normalized into a uniform format that the models can compare across periods.
A predictive model evaluates the likely development of income and market conditions and prepares several alternative capital allocation scenarios, instead of a single recommendation.
Each scenario undergoes a risk assessment based on historical volatility and current liquidity. Scenarios with a risk above a defined threshold are automatically eliminated before you see them.
The system will present a recommended capital allocation along with a brief rationale based on the input data. The final confirmation is always up to you.
The results of the implemented decisions are fed back into the model, which continuously refines its estimates for your specific income history.
Analytical models work with anonymized aggregated data. Identifiable data are never shared with third parties for marketing purposes and their scope of processing is limited to what is necessary for the system to function.
The system maintains a defined amount of immediately available reserve and places the remaining capital with an emphasis on low volatility. Suitable for periods with an uncertain outlook for orders.
Capital is divided between a liquidity cushion and a diversified growth allocation. The ratio is continuously adjusted according to the current income stability.
For users with a more stable income history, the system suggests a more active involvement of free capital, always within the limits of a pre-set risk limit.