Data intelligence for freelancers
Dividuotaje analyzes your irregular income flows and suggests short-term destinations for the capital that remains idle between collections, with military-grade encryption and within the framework of the data protection regulations in force in Argentina.
Argentine regulatory compliance · Military grade AES-256 encryption
Between the closing of a project and the start of the next, weeks can pass without billing, followed by payments that arrive concentrated and remain immobile in a checking account. This irregularity makes it difficult to plan for the future.
Much of the data you generate in your daily activity—collection dates, payment terms, seasonality of work—is not used to make decisions. Dividuotaje takes that same data and turns it into a continuous reading of your financial situation, so the surplus between projects works instead of waiting aimlessly in an account.
The Dividuotaje model combines the history of your collections with market variables to estimate, with an explicit margin of error, how much surplus you can allocate in the short term without compromising your operational liquidity.
Your account and projection information is encrypted with the AES-256 standard, the same level of encryption used in defense systems and much of international banking to protect data both in transit and at rest. This does not replace your own good security practices, but it significantly reduces the risk of exposure of your financial data.
Dividuotaje operates within the framework of the personal data protection regulations in force in Argentina, and limits internal access to information to the processes strictly necessary to generate your recommendations.
The process is the same regardless of the volume of capital you manage, and each step is documented so you can review it whenever you want.
You connect your accounts or upload your movements manually. The system identifies collections, periods of no activity and recurring expenses.
The model cross-references your history with seasonality patterns typical of your industry and calculates a range of surplus available for each time horizon.
You receive short-term alternatives ordered by risk and liquidity level, and the system adjusts the recommendation as your income changes.
If you have a specific query about your case, you can review the complete methodology before registering.
Once your movements are uploaded, the initial analysis is available in minutes. The accuracy of the projections improves as the system accumulates more history of your activity.
Dividuotaje analyzes information and generates recommendations; does not directly hold or manage your funds. Each suggested alternative indicates the corresponding liquidity period before you decide to move forward.
The model adjusts the range of recommendations according to the declared available surplus, so it works both for those who bill sporadically and for those who manage more stable income.
The daily recalculation incorporates the new movements automatically, so the projection is updated without you having to restart the analysis.
The recommendations are presented with the risk level and liquidity term explained in simple language, without assuming prior knowledge of financial products.
Registration takes a few minutes and does not involve moving funds immediately: first you access the analysis of your current situation and evaluate the available alternatives.
Start analysisYou can review each recommendation before confirming it; The system works in the background while you focus on your activity.
