Vinova
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Cash management copilot for SMEs

Your cash
better forecast, better allocated

Vinova connects your accounts, understands your cash flows, anticipates your needs and helps decide how much cash can be invested, for how long and with which institution

See Vinova in action Connect an account
✓ Read-only access ✓ Forecast before investing ✓ Maturity tracking
MAISON VALDOREY SAS · EXAMPLE Connect accounts
1 / 7
€120k€160k€200k€240k€280k €266.5k recurring · variable · exceptional Vinova forecast safety buffer€90k available to invest VINOVA ALLOCATION Cash reserve kept: €176.5k D+1: €20k 3 months: €20k · 6 months: €40k 12 months: €10k Bank tender €90k · 6-month horizon Bank A2.82% Bank B2.91% Bank C2.98% Bank D2.86% ★ best offer: Bank C · 2.98% €20k · D+1€20k · 3m€40k · 6m€10k · 12m 3 months6 months12 months Today Oct 2025Jan 2026Apr 202629 Sep 2026Dec 2026Mar 2027Sep 2027
⌁
CONNECTION5 accounts become one consolidated cash view
How it works

From bank accounts to investment tracking

Seven steps in one continuous workflow

01⌁

Connect

Accounts and balances

→
02▥

Analyze

Understand cash flows

→
03↗

Forecast

Forecast balance

→
04◫

Recommend

Amount and term

→
05⇄

Compare

Run a tender

→
06✓

Invest

Validate and transmit

→
07↻

Track

Maturities and reallocation

01 — Connect

One view even when cash is spread across several banks

Vinova consolidates accounts and transactions in read-only mode without moving funds

✓Multi-bank in one view
✓Balances and transactions synchronised in the same engine
✓Funds stay put with the client’s institutions
See the connection flow
CONSOLIDATED VIEW5 connected accounts
VVinovaConsolidated view
ABank A€112k
BBank B€69k
CBank C€35k
DBank D€27k
EBank E€23.5k
Consolidated cash€266,500
Why forecasting is more than extrapolating a curveObserved cash flows → Vinova engine → cash forecast
Engine
↻
Recurringsame rhythm
≈
Variableactual activity
!
Exceptionaldo not repeat
VINOVAClassifiesthen forecasts
OctNovDecJanFeb
Recurring
Variable
Exceptional
Recurring flows form the baselineThey return in future months according to the observed rhythm
02 — Analyze & forecast

Turn observed cash flows into a cash forecast

Vinova separates recurring, variable and exceptional flows, then rebuilds a credible forecast instead of simply extending the latest observed curve

↻Recurring flows used as the baseline for future months
≈Variable flows modelled as a range instead of copied
!Exceptional flows identified so they do not distort the forecast
03 — Recommend

Determine how much can be invested and for how long

Vinova first protects the cash required to operate, then allocates only the portion the company does not need immediately

▰Safety reserve kept available
↗Investable surplus calculated from the forecast
⌛Term matched to when the cash may be needed again
From available cash to maturity bucketsThe reserve stays liquid, only the surplus is allocated
Decision
Cash today€266.5k
€176.5kreserve to keep€90kinvestable surplus
↓
€20k · D+1near-term need
€20k · 3 monthsshort term
€40k · 6 monthslater cash need
€10k · 12 monthsopportunity
The reserve stays availableThe engine first protects the forecast cash requirement
One need, several offersSame amount · same term · same constraints
6 months
Bank A2.82%offer received
Bank B2.91%offer received
Bank C2.98%offer received
Bank D2.86%offer received
VINOVAComparessame need
★
BEST OFFER FOR THIS TERMBank C · 2.98%
Comparison in progress
Illustrative demo rates · aligned with EUR money-market benchmarks as of 25 Sep 2026
04 — Compare

Put banks in competition for the exact same need

The amount and term stay fixed, several institutions respond and Vinova highlights the most attractive compatible offer

＝Like-for-like comparison on the same amount and term
⇄Several institutions in one view
★Best offer highlighted once all offers are received
05 — Invest & track

See the decision workflow and when cash returns at maturity

Vinova prepares the decision, the regulated partner handles the investment flow and the funds remain with the bank until maturity, when they become available again

✓Validation before transmission
→Maturities included in the cash trajectory
↻Reallocation when cash becomes available again
The decision goes through Vinova, not the moneyTracking starts at validation and continues through maturity
Tracking
DECISION WORKFLOW
1Clientvalidates
→
VVinovatransmits
→
✓Partnerhandles
→
BBankopens the investment
FUNDS FLOW
Company accountavailable cash
Bank investmentactive · 6 months
Maturityprincipal + interest
↻
AT MATURITYThe cash becomes available again and Vinova reassesses the need
Vinova never holds client funds
Backtest on anonymised real bank history2019–2026 · identify investable windows then calculate simulated returns
1 / 3 / 6 / 12 months
safety buffer 2019202020212022202320242026 3 months6 months12 months simulated incremental return
observed cash safety buffer compatible windows simulated return
01Detectperiods where cash remains above the buffer
02Testseveral investment terms across those windows
03Measurecumulative incremental return
The backtest starts from actual history, identifies compatible windows and only accumulates investments that would not have weakened the cash position
Backtest

See retrospectively when cash could have been invested without weakening liquidity

The backtest replays the history month by month, detects periods of sustainably available cash, tests several terms and measures the simulated incremental return

See detailed backtest
Workflow security

Vinova analyses and orchestrates while funds remain with financial institutions

The platform is not designed to become the client’s bank account

⌁

Read-only connection

Bank data feeds the analysis without allowing Vinova to initiate payments

▣

Vinova does not hold funds

Cash remains with banks and in products opened with the relevant institutions

→

Transmission via an authorised partner

Where required, execution is handled by the regulated partner in the workflow

↻

Traceable decisions and maturities

The client keeps a clear view of what is available, invested and expected

Positioning

Vinova sits at the intersection of several existing tools

A simplified view of the capabilities highlighted by each player, placed at the end of the journey to position Vinova without interrupting the product story

PennylaneAccounting & management
Accounting + cash + forecastingStrong coverage of upstream financial management
TrezyCash management
Consolidation + AI forecastingThe core value is visibility on future cash
QontoBusiness banking
Banking + access to investmentsInvestments are offered from within Qonto’s banking ecosystem
HedgCash investment
Connection + comparison + investmentThe downstream workflow focuses on accessing offers and investing
V
VinovaTarget positioning
Connect forecasting and investingOne workflow from bank data to reallocation
VINOVA POSITIONINGDo not replace accounting, banking or brokerage: connect the cash decision to investing
Simplified reading of public product positioning observed in September 2026 · product scopes evolve
Get in touch

See Vinova on your own data

A demo can cover bank connection, forecasting, allocation, comparison and tracking

contact@vinova-app.com