Investment decisions based on reliable market data

Optimizing your cash management is not based on intuition, but on accurate and up-to-date data.

Our service sends you the complete ESTER curve, automatically integrated into Excel. You thus have a objective market benchmark to compare bank offers and secure your investments.

Don't let your cash go without strategy

With each bank offer, you must be able to:

Assess whether the proposed rate is competitive

Compare precisely fixed and variable rates

Negotiate with tangible elements

With our solution, you follow the reality of the market and make your decisions with confidence.

Profits for your business

Better-paying investments
You identify the best opportunities in seconds

Significant time saving
Automatically integrated data, no manual processing

Enhanced negotiating capacity
You press your exchanges on up-to-date market data

Better control of rate risk
You follow market expectations and adapt your strategy

Three specific cases of use

1- Quickly validate a competitive offer

• Duration of placement 6 months
• Fixed rate proposed by the bank : 3,35 %
• ESTR market rate (6 months) : 3,07 %

Decision The difference of +0.28% is very interesting. You validate the offer with confidence, without wasting time looking for or justifying.

No market reference : uncertain decision or blind acceptance
With our tool : fast, objective and secure validation

2- Choose a variable rate when the fixed is under the market

• Duration of placement 1 year
• Fixed rate proposed by the bank : 2,90 %
• ESTR market rate (3 months) : 3,25 %

Decision : you refuse the fixed rate and ask for a variable rate investment indexed on the ESTER (with negotiated margin).
Result : yield aligned with 3.25%, i.e. +0.35% compared to the initial offer
Estimated gain 35 000 € out of 10 million euro invested.

Why?
The fixed rate is lower than the market. By choosing a variable rate, you capture the real level of the money market.

3 – Secure a fixed rate when rates are down

• Duration of placement 1 year
• Fixed rate proposed by the bank : 3,25 %
• Current ESTER rate : 3,80 %
• Average market forecast over 1 year : 2,95 %

Decision You accept the fixed rate of 3.25% above the anticipated market average.
Estimated gain +0.30% or 15,000 € EUR 5 million invested.

Why?
The market anticipates a gradual fall in rates. By blocking a fixed rate now, you secure higher pay than expected.

How our solution works

Updating every night

Complete ESTR curve data

Automatic connection to Excel via our API

Customer support by email within 48h

In summary

Without our solution:

• Decisions taken without reference
• Unable to search for market rates
• Less profitability and reduced trading margin

With our solution:

• Informed and prompt decisions
• More profitable investments
• Reliable data integrated with your tools