Dospjelnik uses AI to analyze risk and cash flow in real time, allocating your capital so that it remains available at all times, rather than sitting unused while you wait for your next payment.
Get started for freeThe irregular rhythm of payments forces independent professionals to keep most of their income in a checking account, instead of including it in a well-thought-out yield strategy.
The platform continuously analyzes your cash flow patterns and market conditions and allocates funds in a way that maintains full availability, without contractual withdrawal periods and without the need to monitor the market yourself.
You retain full control over your capital — the AI only suggests and executes allocations within the risk limits you set.
Zero withdrawal waiting daysEach component of the platform has a clear role in liquidity protection and yield optimization.
The model tracks your payment history, seasonal fluctuations in income and planned liabilities and estimates how much funds you need to keep available for the next 30, 60 and 90 days. The result is a recommendation that automatically adapts to each new project.
Unlike term products with notice periods, Dospjelnik holds part of the portfolio in instruments with immediate liquidity. The withdrawal request is processed immediately, without penalty and without waiting for the end of the contracted period.
The algorithm allocates funds within the risk limits defined by the user in advance, balancing the portion of the liquid position and the portion focused on yield. Any change in market conditions is reassessed before being applied to the portfolio.
The process is divided into three steps that are repeated in the background, without the need for your daily involvement.
The system collects real-time data on account status, payment history and current market conditions relevant to available instruments.
The predictive model estimates the required level of liquidity and suggests the optimal allocation of assets within the given risk limits.
The approved distribution is executed automatically, and the system continues to monitor the cash flow to adjust the position as necessary.
Dospjelnik was born from a simple observation: independent professionals have an uneven flow of funds, so classic investment products with long notice periods simply do not suit them.
The platform combines predictive analytics and instant liquidity mechanisms to keep capital productive while being available the moment you need it for your next project or unexpected expense.
How to use the platform varies depending on how predictable your income is and how quickly you may need the funds.
Freelancer with an irregular billing cycle keeps most of the funds in the segment with immediate availability, while the AI monitors upcoming liabilities and adjusts the proportion of the liquid position as needed.
A consultant with a more stable income directs more of the excess funds towards instruments with a longer horizon, keeping a smaller liquid reserve layer for unforeseen situations.
The independent professional sets a fixed amount that the AI always keeps in a fully liquid form as an operational reserve, while the remaining part of the funds is actively distributed.
Funds are distributed within predefined risk limits that the user sets himself. The system does not enter positions outside these limits without your approval, and any change in allocation is recorded and remains transparent in your account.
The part of the portfolio intended for immediate liquidity is structured so that withdrawal requests do not depend on notice periods. The remaining, more long-term oriented part is adjusted gradually so as not to affect the availability of the liquid layer.
The model uses your cash flow history, current market data and the risk limits you set. Decisions are based on statistical projections of future liquidity needs, not on guesswork or one-time signals.
Linking accounts and defining risk limits takes a few minutes. There are no hidden fees or mandatory usage periods.
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