Stella Fondivo analyzes your company's excess cash flows and applies predictive models with an intelligent stop-loss system, designed to limit losses before they become a problem.
No banking exclusivity constraints. The capital always remains available to your company.
Many Italian SMEs maintain cash reserves greater than their operational needs, parked in current accounts with zero or almost no return. Meanwhile, inflation erodes the purchasing power of that capital and market volatility makes entry risky without a risk control strategy.
The cost of doing nothing does not appear in the balance sheet as an explicit item, but translates into a real value that reduces over time, year after year.
Inflation erosion: the nominal balance remains the same, but its purchasing power is constantly reduced.
Insufficient bank returns: traditional deposit accounts rarely compensate for inflation in the medium term.
Limited time and skills: many companies postpone capital deployment decisions due to a lack of dedicated internal resources.
Lack of dynamic risk control: without an automatic system, losses accumulate before anyone notices.
The system is based on three distinct phases, designed to remain understandable even to those without technical financial training.
Stella Fondivo collects real-time market data and relevant macroeconomic indicators, as well as liquidity parameters provided by the client company.
The data is processed by statistical models that estimate probable return and risk scenarios, updated on a regular basis.
When market conditions exceed the set risk thresholds, the system automatically reduces exposure, limiting the drawdown.
The capital always remains in the contractual availability of the client company. Stella Fondivo operates exclusively within the risk limits agreed upon during onboarding and does not execute trades outside of these parameters.
The goal is not to replace the entrepreneur's judgment, but to give him tools to decide with less time invested and less exposure to surprises.
Data analysis and risk threshold control are automated, reducing the time the owner would spend following the markets manually.
The system intervenes according to predefined thresholds, containing potential losses compared to management without automatic control mechanisms.
The sums not necessary for daily operations are used according to a risk profile consistent with the needs of the company.
Integration with existing management: Stella Fondivo connects to company bank accounts and main accounting tools via secure data connections, without requiring a change of banking institution or interruption of current operations.
Each phase is documented and the final decision on any changes to the parameters always remains with the company.
Secure connection of company accounts and definition of the share of liquidity available for optimization.
The predictive models develop an initial scenario and propose a risk profile consistent with the indicated objectives.
The company approves parameters, including stop-loss thresholds, before any actual trades.
The system observes the markets constantly and updates the reporting, reporting every stop-loss intervention.
Stella Fondivo was created to respond to a concrete problem of small and medium-sized Italian businesses: the difficulty of using excess liquidity without exposing oneself to uncontrolled risks or without dedicating time taken away from operational management.
Our work combines data analysis, predictive models and a risk control system designed to intervene before losses worsen, always leaving the final decision to the business owner.
Financial data and account connection data are processed according to the principles of the General Data Protection Regulation (GDPR). Access is limited to only the information necessary for analysis and predictive models, with contractually defined retention.
The system monitors market conditions continuously and applies exposure reduction thresholds as soon as agreed parameters are exceeded. Execution times also depend on the liquidity of the underlying instrument, a factor already assessed during the construction phase of the strategy.
Predictive models are built on historical data and probabilistic scenarios, so they cannot eliminate risk in extreme and unprecedented market conditions. For this reason, intelligent stop-loss is designed as a damage containment mechanism, not as an absolute guarantee against any loss.
The parameters are defined together with the client company during the strategy activation phase and can be revised over time. No substantive changes are applied without explicit approval.
No. Stella Fondivo connects to existing bank accounts via secure data connections, without requiring the transfer of your company's primary banking relationship.
The first step towards more conscious capital management is an initial analysis of your liquidity situation. It does not involve binding commitments and serves to define whether your company profile is compatible with the Stella Fondivo method.
Request the first analysis