Velmorino predictive analytics platform for freelancers
Data intelligence SaaS for VAT numbers

Liquidity between one project and another, managed with a quantitative method

Velmorino analyzes your cash flows and market variables in real time to recommend how to allocate idle liquidity. Dynamic allocation means adapting decisions to observed risk, with control always in your hands.

Set up your analytics profile Explore the decision architecture
ZERO MINIMUM No minimum deposit — start with any amount

The engine works in a fractional and scalable way. You can test predictive inference with 50 euros as with 50,000 euros, without threshold constraints.

Decision controlYou approve of every action
Parameter transparencyVisible risk thresholds
Flexible withdrawalsNo time constraints imposed

Illustrative example of the interface. No performance data.

Operational context

The problem isn't how much you bill. It is when liquidity remains stagnant.

Those who work on a project basis know the cycle: invoice paid in 30 or 60 days, then an interval without collections, then a new order. In those weeks the liquidity remains in the account, exposed to inflation and without a management criterion.

Velmorino decision models transform these ranges into managed windows. The system observes market telemetry, tax deadlines and operational needs, and proposes an allocation consistent with your risk profile.

Predictive inference, in practice: the system evaluates thousands of market variables to estimate the probability of sudden swings and reduce exposure when risk increases.
Volatility mitigation, in practice: Instead of maintaining a fixed exposure, the allocation shrinks or expands based on transparent thresholds that you can change.
Velmorino operational view of cash management for freelancers

Discontinuous flows require continuous decisions. The automated analysis covers the interval between one invoice and another.

Comparative cash flow diagram between two orders

90 day horizon · schematic example

Without optimization: firm liquidity

Unmanaged inventoryInterval between projects

The invoice surplus remains waiting for the next tax deadline or work drop, without any protection criteria.

With Velmorino: calibrated dynamic allocation

Monitored allocationRisk threshold

The engine offers fractional exposure, reduces it if volatility increases and makes it available before scheduled expiries.

Predictive engine

Four technical modules for traceable decisions

Each recommendation shows input data, confidence level and motivation. No black box: you can check why the system proposes a certain exposure.

MOD.01 / INGESTReal time

Real-time data ingestion

Real-time telemetric market analysis, integrated with your collection and expiry calendar. In practice, the system cross-references market movements and operational needs.

2,400+ variablesLatency < 800msInvoices · Deadlines
MOD.02 / RISKCalibration active

Risk calibration

Stochastic risk models that estimate adverse scenarios. In practice, you define a maximum acceptable oscillation threshold and the system respects it.

Cautious profilemax drawdown 4%
Balanced profilemax drawdown 8%
MOD.03 / FRACNo minimums

Fractional allocation without minimum

The algorithms work in a fractional and scalable way. You can start with any amount: the engine divides the amount into even very small analytical quotas.

From €10Odds 0.01Scalable
MOD.04 / REBALUpon confirmation

Automated rebalancing logic

When the parameters go outside the thresholds, the system prepares a rebalancing and awaits your confirmation. Maintain decision control over every execution.

Visible rulesChange historyCancelable
Methodology

How Velmorino goes from data to operational recommendation

A three-step process, documented and verifiable. Instead of performance promises, we show the logical architecture of the software.

PHASE 01 — COLLECTION

Data aggregation

Securely connect collections, tax reserves and time horizon. The system adds aggregated and anonymized market data.

  • Import invoices and scheduled deadlines
  • Normalization and consistency control
  • No sale of data to third parties
PHASE 02 — CALCULATION

Predictive modeling

The models estimate expected volatility and stress scenarios over 30, 60 and 90 days, with a confidence level declared for each output.

  • Multi-scenario simulations and methodological backtesting
  • Risk score from 1 to 5 with motivation
  • Customizable thresholds for tax profile
PHASE 03 — DECISION

Execution under control

Receive a recommendation with amount, duration and expected risk. Decide whether to apply it, modify it or ignore it.

  • Manual confirmation or limited automatic rules
  • Complete record of decisions made
  • Withdrawal of liquidity without imposed constraints
Dynamic allocation: portion of exposed liquidity that varies based on the risk measured, not a fixed amount.
Market telemetry: continuous flow of prices, volumes and volatility processed in real time by the engine.
Rebalancing: periodic adjustment of the allocation to bring it back within the thresholds you have set.
Use cases

Three typical situations of self-employment in Italy

Realistic examples of inputs and outputs. Amounts and horizons are illustrative and serve to show the reasoning of the system.

SCENARIO A

Post-invoice surplus to be managed

Consultant with 6,000 euro invoice collected. Operating expenses covered for 60 days, surplus of 3,500 euros with no immediate destination.

Inputs
€3,500 · 45 day horizon · prudent profile
Outputs
Fractional exposure 30% with exit threshold at -3%
SCENARIO B

Fiscal reserve to be protected

VAT registered holder who sets aside 25% for taxes and contributions. The reserve must remain available before the quarterly deadline.

Inputs
€4,200 · 70 day availability restriction · minimal risk
Outputs
Monitoring with reduced exposure and scheduled return in 60 days
SCENARIO C

Micro-capital in gradual growth

Freelance at the start of the business with 180 euros per month to be allocated to management. No minimum required to activate the analysis.

Inputs
€180 / month · fractional payments · learning profile
Outputs
Scalable plan with monthly reporting and simplified parameters
Entry dateVelmorino processingResult for the user
Receipts and expenses calendarMapping idle liquidity windowsVisibility into how much is manageable and for how long
Chosen risk thresholdStochastic calibration and exposure limitsRecommendation consistent with the declared tolerance
Market volatilityPredictive inference and reduction signalsReasoned and traceable rebalancing proposal
Technical questions

Clarity on minimums, models, liquidity and data

How does the no minimum deposit work?

There is no entry threshold because the engine operates fractionally. The amount you enter is divided into very small analytical units, so the analysis has the same structure both with 40 euros and with larger amounts. You can add or withdraw liquidity without platform penalties and without having to reach a minimum balance.

How are predictive models explainable?

Each recommendation includes the main variables considered, the time horizon and the confidence level. You can consult the risk thresholds, the history of proposals and the reasons in plain language. Velmorino is a decision support platform, not an unsupervised automated manager.

Does liquidity remain available for withdrawals?

Yes. Define in advance the dates when you need liquidity, for example for taxes or periods without orders, and the system schedules the return before those deadlines. We do not apply blocking time constraints and each rebalancing requires your confirmation, except for limited rules that you can disable.

How is data security and compliance addressed?

Accounting and usage data is encrypted in transit and at rest, with limited access and audit logs. You can export or request deletion of data from the privacy panel. The platform operates as analysis software and does not require extensive operational delegations to function in consultative mode.

Test your decision-making intelligence starting from any amount

Set up your analytics profile in minutes. Define horizon, fiscal reserve and risk threshold, then evaluate the first recommendation without obligation.

  • ✓No minimum deposit. Fractional payments starting from small amounts.
  • ✓Guided onboarding. Operational profile, expiry calendar and risk preferences.
  • ✓Complete transparency. Visible parameters, downloadable report, self-deletion.

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