Built to put idle cash to disciplined work
fiar-international was formed around a simple observation: most business cash sits still far longer than it needs to, and most automated tools take on more risk than treasury teams are comfortable with. We set out to close that gap.
From a narrow problem to a focused product
fiar-international started with a question we kept hearing from finance teams: why does short-term cash either sit in a non-interest account or get moved manually, in large batches, on a fixed schedule? Neither approach reflects how cash actually moves through a business day to day.
We built fiar-international to answer that question with a system rather than a spreadsheet — one that watches cash positions continuously, models near-term needs, and allocates only what can responsibly be put to work, within limits the business sets in advance.
The result is a product shaped less like a trading tool and more like an operating discipline: transparent assumptions, defined boundaries, and allocation decisions that can be explained after the fact, not just before.
Make idle cash productive without making it unpredictable
We exist to give businesses a way to earn on short-term cash that doesn't require choosing between returns and control. Every decision we make about the product is weighed against that single standard: does it preserve predictability while improving on doing nothing?
The principles behind how we build
Transparency over black boxes
Every allocation decision is traceable to a stated assumption or rule. We don't ask teams to trust a model they can't inspect.
Defined risk boundaries
Limits are set before capital moves, not adjusted after the fact. Treasury teams define the edges; the system operates inside them.
Liquidity comes first
Near-term operating needs are modelled and protected before any surplus is considered for allocation.
Restraint over speed
We'd rather leave a marginal opportunity on the table than stretch a boundary to capture it.
Explainable outcomes
Every allocation can be reviewed and understood after the fact, not just approved on faith beforehand.
Built for the business, not the market
We design around a company's cash cycle and obligations first, and market conditions second.
A small, focused group
fiar-international is run by a compact team spanning treasury practice, quantitative modelling, and software engineering. We keep the group small by design — it keeps decisions accountable and keeps the product close to the people who use it.
How we work
We treat the modelling behind fiar-international as a living discipline, not a finished product. Assumptions are revisited regularly, and changes to how cash is classified or allocated go through internal review before release.
Who we build for
Our team works directly with the finance and operations staff who rely on fiar-international day to day, so product decisions stay grounded in how businesses actually manage cash — not in abstract market theory.
Want to know how fiar-international would handle your cash profile?
Get in touch and we'll walk through how our approach applies to your specific liquidity needs.