Features
Built for capital that needs to stay liquid and stay working
Ledger Circle replaces fixed-term placements with a continuously rebalanced allocation layer — so idle business cash keeps earning without giving up access.
Predictive Allocation
Cash is allocated by forecast, not by calendar
Most treasury tools move cash on a fixed schedule — monthly sweeps, quarterly terms, rigid notice periods. Ledger Circle instead models near-term liquidity needs continuously, shifting capital toward the allocations that make sense today and pulling it back the moment access is required.
The result is a system that behaves less like a term deposit and more like a standing instruction: always positioned, always reversible.
Illustrative allocation shifts across a rolling forecast window.
Core Capabilities
Four features that define how capital moves
Each component is designed to remove a single point of friction between holding cash and putting it to work — without asking a business to commit to terms it can't predict.
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01
Continuous liquidity, not notice periods
Access to allocated capital is not gated by a maturity date. Positions are structured to unwind on request, within the bounds disclosed at onboarding.
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02
Forecast-led rebalancing
Allocation decisions draw on short-horizon cash flow modelling rather than static rules, adjusting exposure as conditions and account activity change.
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03
Transparent positioning
Every shift in allocation is visible and reportable, so finance teams can reconcile where capital sits at any point without waiting on a statement cycle.
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04
Defined exposure boundaries
Allocation ranges are set and disclosed up front — the system optimises within those limits rather than expanding risk in pursuit of yield.
How It Works
From idle balance to active allocation in four steps
Account structuring
Business cash is held in a structured account, with liquidity parameters and reporting access agreed before any allocation begins.
Baseline forecasting
Historical cash flow patterns establish an initial model of how much capital can be allocated without constraining day-to-day operations.
Continuous rebalancing
As the forecast updates, allocations shift in small, frequent adjustments rather than large periodic moves — keeping exposure aligned to current conditions.
On-demand release
When funds are needed, the standing liquidity structure allows release without renegotiating terms or waiting on a fixed maturity.
Risk Management
Built around boundaries, not best-case assumptions
Yield-seeking behaviour is the easiest way to erode liquidity. Ledger Circle's allocation logic is constrained by pre-agreed exposure limits, diversification rules, and a bias toward reversibility — so the system never trades access for a marginal return.
Reporting is designed to make this visible: clients can see not just what has been allocated, but the boundaries it was allocated within.
Why This Approach
Liquidity is the feature — yield is the outcome
Most cash management products are built around a rate. Ledger Circle is built around a constraint: capital must remain accessible. Every other feature — forecasting, rebalancing, reporting — exists to make that constraint workable without leaving cash idle in the meantime.
That ordering shapes the product. It's why allocations shift continuously rather than sitting fixed, and why access is never treated as a feature to negotiate away for a better number.
See how the allocation model applies to your balances
A briefing walks through how Ledger Circle structures liquidity boundaries and forecasting for a business with cash flow patterns like yours.