Lunavi Xezaro — portfolio analysis interface for freelancers
Algorithmic management for freelancers

Lunavi Xezaro calibrates your cash allocation according to your own risk threshold

Between two missions, your income fluctuates but your financial strategy does not have to follow the same rhythm. The platform observes your flows, measures the volatility of your activity and adjusts the allocation continuously, without you having to monitor the markets every day.

Analyze my risk profile Consult the methodology
OVERVIEW — PORTFOLIO VIEW T+0
Risk exposureModerate
Income volatility (90 days)12.4%
Asset classes followed6
Last recalibration3 hours ago

Illustration of the interface. The values ​​displayed are indicative and do not constitute guaranteed performance.

The observation

Volatility of freelance income makes manual analysis time-consuming

An independent consultant rarely earns a linear income. Payments arrive in waves, charges are fixed, and the temptation to let the cash lie dormant or invest it without method remains strong. Analyzing your own risk exposure by hand requires skills in predictive modeling that few professionals have the time to develop alongside their activity.

  • Irregular income. Monthly differences complicate any medium-term planning without a dedicated tool.
  • Time-consuming analysis. Comparing investment scenarios manually takes several hours per month.
  • Poorly calibrated risk. Without explicit thresholds, allocation drifts towards too much or too little prudence.
  • Dissociated taxation. Cash flow decisions are often made without any link to the actual tax impact.

Time spent on financial analysis — illustrative comparative model

Monthly manual analysis~6 a.m.
Tracking via Lunavi Xezaro~40 mins

Illustrative comparison based on typical usage. Actual time depends on data volume and user-configured thresholds.

Operation

There are three steps between ingesting your data and adjusting your allocation

01 — INGESTION

Connecting and reading streams

The platform connects to your declared professional accounts and reads the history of your entries and exits. No decision is made at this stage: it is only a matter of establishing a clean and dated database.

02 — MODELING

AI Risk Assessment

A predictive modeling model estimates your revenue volatility and cross-references this result with the risk thresholds you manually set during initial setup.

03 — OPTIMIZATION

Automated and systemic adjustment

The allocation is recalculated according to a frequency you choose. Any modification remains limited by your thresholds: the system never exceeds the limits you have set.

Technical note

The yield optimization engine combines cash flow time series with external market indicators. User-defined risk thresholds act as hard constraints in the model: they are never relaxed automatically, including when the model detects an opportunity for higher returns.

Abilities

Four modules cover forecasting, hedging, diversification and taxation

Forecast

Real-time predictive analytics

The model updates its projections with each new incoming cash flow data, allowing you to anticipate periods of stress before they affect your allocation.

Cover

Dynamic risk hedging

When the measured volatility exceeds the configured threshold, the system automatically reduces the exposure on the positions concerned, within the limits you have defined.

Diversification

Portfolio diversification engine

The distribution between asset classes is recalculated according to explicit rules, taking into account the historical correlation between your income and the instruments monitored.

Taxation

Tax efficiency modeling

Arbitrations take into account the tax regime declared by the user, in order to limit cash flow decisions that would generate a disproportionate tax burden.

Methodology

Model parameters, security and regulatory framework applicable in France

ParameterDescriptionDefault value
Analysis horizonSliding window used to estimate income volatility90 days
Recalibration frequencyInterval between two automatic allocation adjustments24 hours
Initial volatility thresholdTrigger level before exposure reductionConfigurable
Asset classes followedNumber of categories integrated into the diversification engine6
Decision loggingPreserving the history of each algorithmic adjustmentContinue

Security protocols

  • Encryption of data in transit and at rest.
  • Logical isolation of environments by user account.
  • Logging of accesses and threshold modifications.
  • Access to bank accounts limited to reading, with no direct order capability outside the configured scope.

Regulatory framework (France)

  • Design of models aligned with the AMF guidelines relating to information for users of financial decision support tools.
  • Risk thresholds defined exclusively by the user, never by implicit algorithmic default.
  • Documentation of settings accessible at any time from the account.
  • No performance guarantee is made, in accordance with the requirements applicable to assisted management tools.
About the model

A decision-making tool, not an autonomous manager

Lunavi Xezaro does not replace your judgment: it structures the information you already have and applies your rules consistently, including when you are focused on a mission. Each adjustment remains viewable, explained and reversible from your dashboard.

The goal is not to maximize returns at all costs, but to maintain an allocation consistent with your risk tolerance, mission after mission.

Lunavi Xezaro — technical team working on risk models
Technical questions

AI autonomy, threshold control and data privacy

Can the AI act without my explicit permission?
No. The engine recalculates allocation proposals at regular intervals, but any execution remains limited by the thresholds you have configured. No threshold is changed automatically without explicit action on your part.
Where is my revenue data hosted?
Transactional data is encrypted in transit and at rest, and isolated by user account. Access to connected bank accounts is limited to reading the flows necessary for calculating volatility.
How are my initial risk thresholds defined?
During configuration, you enter your risk tolerance limits. The system does not propose an implicit default value: it waits for an explicit declaration before any allocation calculation.
Does the model take my French tax regime into account?
The tax efficiency module integrates the regime declared by the user to avoid arbitrations which would generate a disproportionate tax burden, without replacing personalized tax advice.
Can I stop automatic adjustments at any time?
Yes. The recalibration frequency is configurable and can be paused from the dashboard, without losing the history of decisions already logged.

Technical question not covered here: see the full documentation.

Getting started

Configure your risk thresholds and let the model take care of the daily monitoring

Getting started consists of connecting your reading accounts, declaring your tax regime and defining your thresholds. No fund migration is required to begin analysis.

Configure my risk thresholds Estimated setup time: approximately 15 minutes