Zenith Kapivex uses predictive models to allocate surplus ZAR balances across low-risk, liquid instruments, so your capital keeps working between invoices and payroll runs — with no lock-up periods.
Most small and mid-sized businesses in South Africa hold working capital buffers in low-yield transactional accounts. This is a reasonable precaution, but it means that money set aside for tax, payroll or seasonal dips is not contributing to the business at all.
Each recommendation is the output of a defined process rather than a single algorithmic guess. The four stages below run continuously, not just once at onboarding.
Transaction history, cash flow cycles and account balances are read securely to build a picture of your liquidity patterns over time.
The engine forecasts near-term cash requirements — payroll dates, supplier payments, tax deadlines — to estimate a safe surplus threshold.
Surplus above that threshold is distributed across vetted, low-risk instruments, weighted according to your stated risk profile.
If a withdrawal is requested, funds are released without waiting for a lock-up period to lapse or a notice period to run out.
These are the four technical capabilities that determine how Zenith Kapivex makes and adjusts allocation decisions.
Market and counterparty risk indicators are re-evaluated continuously, not just at the point of initial allocation, so exposure is adjusted as conditions change.
Capital is spread across multiple instrument types rather than concentrated in one, reducing the impact of any single underperforming allocation.
The same allocation logic applies whether your surplus is modest or substantial, and adjusts proportionally as your business cash flow grows.
Every allocation decision is logged with the reasoning behind it, giving your finance team a clear audit trail rather than a black-box output.
Many yield-generating products require you to commit funds for a fixed term. Zenith Kapivex is built around the opposite principle: capital allocated through the platform can be withdrawn at any point, because South African businesses often need to react quickly to changing cash positions.
This does not mean returns are guaranteed. It means that flexibility is treated as a design requirement, not an afterthought bolted onto a rigid product.
These answers focus on how the methodology works and what to expect operationally.
Account and transaction data is encrypted in transit and at rest, and access is limited to the systems required to generate allocation recommendations. Zenith Kapivex does not sell or share business financial data with third parties for marketing purposes.
The models are built on historical cash flow patterns and instrument performance data, then tested against out-of-sample periods before being applied live. Model logic is reviewed periodically as market conditions and instrument availability change.
There is no lock-up period, and requests are processed as soon as they are submitted. Processing time can vary slightly depending on which underlying instrument the funds are currently allocated to, but there is no minimum holding term.
Fees are disclosed upfront during onboarding and shown against each allocation in your reporting dashboard, so you can see the net effect on returns rather than a headline figure alone.
Connect your business account to receive a no-cost analysis of your current cash position and a sample allocation recommendation, before you decide whether to proceed.
No obligation to deploy funds. You will see a recommendation before any capital is allocated.