Put idle business cash to work with AI-directed liquidity management
Neostone analyses your balance sheet continuously and reallocates surplus cash into optimised positions, without fixed terms or notice periods on withdrawals.
Neostone analyses your balance sheet continuously and reallocates surplus cash into optimised positions, without fixed terms or notice periods on withdrawals.
Most finance teams review cash positions monthly or quarterly. In the intervening weeks, interest rate movements, liquidity premiums, and short-term opportunities pass unaddressed because manual analysis cannot keep pace with live data.
Neostone replaces the spreadsheet review cycle with continuous monitoring. The platform ingests your cash position daily and adjusts recommendations as conditions shift, so capital is rarely left unassigned for longer than necessary.
Highlighted periods indicate active reallocation signals generated by the model.
Each pillar addresses a distinct constraint: the speed of analysis, the reliability of the recommendation, and the availability of the funds themselves.
Raw transaction and market data is processed continuously, converting unstructured balance sheet information into a single, current view of available liquidity.
Before any recommendation is issued, the system models downside scenarios against your stated risk tolerance, flagging exposure before capital is committed.
Funds allocated through Neostone remain accessible on demand. There is no notice period, no early-withdrawal penalty, and no fixed maturity date.
Neostone does not operate as a closed system. Each stage of the engine is documented so finance teams can audit the logic behind every recommendation.
Account and ledger data is connected via encrypted API feeds. No manual file uploads are required once integration is complete.
The model cross-references your cash flow patterns against historical and current market datasets to identify statistically favourable allocation windows.
Output is delivered as a specific, timestamped signal: an amount, a direction, and a rationale, rather than a generic alert.
Fixed-term products require you to forecast your own cash needs months in advance. Neostone removes that constraint by keeping allocated funds withdrawable at any point.
Neostone was developed to address a specific operational gap: businesses holding cash reserves with no practical way to monitor and act on short-term opportunities without dedicating staff time to daily analysis.
The platform is designed to sit alongside existing banking relationships rather than replace them, acting as an analytical layer that issues recommendations your team can act on, or configure to act on automatically within agreed limits.
The questions below address the practical mechanics most commonly raised by finance teams during evaluation.
Integration is handled through encrypted API connections to your banking or accounting platform. Most clients complete setup without development work on their side, as Neostone supports common open banking standards used across UK financial institutions.
Data transfer and storage follow ISO 27001-aligned information security practices. All API connections use encrypted transport, and account credentials are never stored directly by Neostone; access is managed through token-based authorisation that you can revoke at any time.
When a withdrawal is requested, Neostone releases the allocated funds back to your linked account without requiring a notice period. Processing times depend on your receiving bank's clearing system, but no contractual delay or penalty is applied on our side.
Neostone is designed for businesses managing working capital reserves of varying size. Specific eligibility and onboarding requirements are confirmed during account setup, as they depend on your banking provider's own thresholds.