Data intelligence for the self-employed
A learning AI observes market data in real time and automatically adapts your investment strategy to your current risk tolerance - without you having to intervene yourself.
Start for freeFreelance income rarely follows a straight line. A well-booked month can be followed by a quiet phase in which reserves remain untouched in the current account.
Capital that remains unused in a current account or current account is still subject to inflation. There is a second difficulty for freelancers: unlike employees, they cannot invest their liquidity according to a fixed calendar because it is unclear when the next project will begin or when a customer will pay.
Tzuklavoe continuously monitors market data, volatility indices and macroeconomic signals. From this data, the system derives an individual risk profile, which is further refined with each market cycle.
During periods of increased volatility, the AI automatically reduces the weighting of riskier positions to protect your capital. If market stability increases again, the allocation is adjusted accordingly - comprehensibly and without manual intervention.
Illustrative representation of the data signals that are included in the risk assessment.
Market data, liquidity metrics and volatility patterns are continuously recorded and structured instead of being evaluated once a day.
Statistical models estimate the probability of different market scenarios and compare them with your personal risk profile.
Allocation adjustments are made based on predefined rules. This consciously excludes emotional decisions in stressful phases.
Allocation responds to market fluctuations before they result in major losses - based on data, not gut feeling.
You don't have to follow prices or interpret news. The analysis runs in the background while you work on your projects.
The strategy adapts to irregular deposits rather than requiring rigid savings plans like those designed for employees.
Tzuklavoe was designed for freelancers and solo entrepreneurs whose incoming payments do not follow the rhythm of a fixed salary. The platform combines methods of quantitative data analysis with an operation that does not require any financial training.
All adjustments to the investment strategy are based on comprehensible rules and are documented. This means it is always clear why a decision was made.
All personal data is processed on servers within the EU in accordance with the requirements of the GDPR. Capital movements take place exclusively via regulated partner institutions; Tzuklavoe itself does not manage customer funds directly outside of this structure.
Liquidity depends on the investment structure chosen. Short-term shares can usually be paid out within a few business days, while more risk-adjusted positions can take a little longer.
The system combines historical market data with current volatility signals and uses this to calculate a risk rating that is refined over time. Decisions follow fixed rules that can be viewed in your customer account.
Start by setting up your risk profile without obligation. AI takes care of the ongoing adjustment while you focus on your projects.