Draxorith uses a predictive engine to analyse your cash position in real time, allocating surplus funds toward risk-managed yield while keeping a fully liquid buffer available for withdrawal whenever you need it.
Most small business owners face the same dilemma every quarter. Leaving surplus cash in a current account means it quietly erodes against inflation. Moving it into a fixed-term product means losing access just when a supplier payment, payroll run, or VAT bill falls due.
Draxorith was built around this specific problem: how to let working capital earn a return without introducing the risk of being caught short. The answer is not a longer notice period or a better rate on a fixed bond. It is a system that continuously re-assesses how much of your cash is genuinely surplus, and adjusts accordingly.
The mechanics are deliberately unglamorous: continuous data analysis, conservative risk modelling, and a liquidity forecast that is recalculated as your account activity changes.
Draxorith reads transaction patterns and balance movements as they occur, building a rolling picture of how your cash actually moves through the month.
The engine estimates the probability and size of near-term cash demands, drawing on historical patterns specific to your account rather than generic assumptions.
Based on that model, the system calculates how much of your balance can reasonably be classed as surplus over the coming days and weeks.
Surplus funds are allocated to yield-bearing instruments matched to that forecast horizon, while a fully liquid buffer is always held back for immediate withdrawal.
Data integrity statement: the model does not override your access to funds. Every allocation decision is logged and reviewable, and the liquid buffer is sized conservatively so that instant withdrawal requests are met from cash already held, not from assets that need to be sold first.
Surplus cash is directed toward returns calculated from your specific liquidity forecast, not a flat rate applied to your whole balance. This gives real-time decision support rather than a static, one-size product.
There are no fixed terms and no notice periods. Funds in the liquid buffer are available for withdrawal immediately, because the system is designed around your need to reach cash without delay.
Allocation decisions are continuously rebalanced against your forecast. If trading patterns change, the engine adjusts the liquid buffer before, not after, a shortfall could occur.
A retailer with a strong pre-Christmas trading period often holds a large cash surplus through November and December, then draws it down through January and February. Draxorith identifies that seasonal pattern from transaction history and allocates the November surplus toward yield, while automatically widening the liquid buffer as the quieter months approach.
Many business owners set aside VAT and Corporation Tax provisions manually, often in a separate account earning nothing. Draxorith can ring-fence the forecast tax liability as part of the liquid buffer, while putting any remaining surplus to work, so the reserve is both protected and still available in full when the payment is due.
A business preparing for a funding round or a larger capital purchase needs to demonstrate sound cash management without tying funds up. The platform's forecasting model gives a clear, reviewable record of how cash has been allocated and why, useful when discussing financial discipline with an investor or lender.
Draxorith was designed around a straightforward commercial reality: small business owners cannot afford to lock cash away on the chance of a better rate. Every allocation decision the platform makes is weighed against the possibility that you might need those funds tomorrow, not in ninety days.
The platform does not aim to replace your judgement. It gives you a continuously updated view of what is genuinely surplus, so you can decide how actively to put it to work.
Read more about DraxorithWithdrawal requests from your liquid buffer are processed immediately, because those funds are held in accessible cash rather than committed to a term product. The buffer is sized by the forecasting model specifically so that it can meet withdrawal requests without needing to unwind any allocation first.
The model is deliberately conservative: it treats uncertainty by widening the liquid buffer rather than narrowing it. If your trading pattern changes unexpectedly, allocations are rebalanced on the next cycle, and the buffer is designed to absorb short-term forecasting error without affecting your ability to withdraw funds.
No allocation decision is made without a traceable basis. The platform shows the data points and the forecast that informed each allocation, so the AI functions as a decision-support tool you can review, rather than an opaque system acting on your account.
Data is handled under UK data protection requirements, with access limited to what is needed to run the forecasting and allocation process. Full details of our security and data handling practices are available on request.
No. The platform recommends and executes allocations within parameters you set, including the minimum liquid buffer you are comfortable with. You can adjust those parameters, or withdraw funds, at any time.