Corporate Treasury is the new economy's backbone
Corporate treasury is essential for liquidity planning, cash flow optimization and the management of financial risks.
With Finyoz you can manage these challenges optimally and achieve significantly higher returns on your free liquidity (up to %p.a.)
than with comparable forms of investment.
Choose the investment period for your available liquidity from 14 to 90 days and receive your investment + aliquot interest at the end of the term.
As a corporate treasury investor, you also benefit from favorable FX conversion rates for 35 currencies and our international payment transactions in 180 countries.
Finyoz offers you
Full flexibility and profitable returns
We can make your idle cash work for you. Our short-term lending options offer above-bank interest rates at the click of a button whilst guaranteeing full flexibility for your liquidity needs.
One account, multiple currencies and real-time FX execution
Your multi-currency account is embedded into a global correspondent banking network allowing you to receive and send funds via SWIFT and local networks, accessing wholesale FX rates and holding any non-restricted currencies in your account.
Smart Payment Solutions
Your corporate account will be your passport to the world's foreign exchange markets to 35+ currencies in over 180 countries. Accessing a local payment network will help you avoid fees associated with international payments whilst eliminating reconciliation errors.
Manging liquidity in a digital world
1. Choose term
The Finyoz model offers freely selectable durations from 14 to 90 days. Choose your preferred duration.
2. Choose amount
Invest as much or as little as you like - depending on your current possibilities. Interest and repayment date are automatically calculated.
3. Confirm investment
Confirm your investment. At the end of the commitment period, you will receive your investment and the pro rata interest.
We like keeping matters simple and straight. That's why all our corporate clients will undergo a remote electronic onboarding process as part of which we retrieve your company records from an electronic database whilst one company representative completes a remote electronic KYC process. Your multicurrency bank account will be created, providing you access to 35+ currencies and currently returning interest rates of up to % p.a. for short term EUR allocations of between 14 to 90 days.
Finyoz at zero cost
Our terms
- No registration fee
- No monthly account maintenance fees
- No custody fee
- No transaction fees for investments
- No deposit fee
For external transfers we charge EUR 2.50 or 0.02% of the payout amount.
If you want to join the Finyoz community, hit the button below to start your account opening procedure.
Your account at a glance
Finyoz offers the full desktop experience you need for your daily business.
Finyoz investment flow
Security first
How Finyoz works:
After a thorough risk and credit assessment of both the issuing company (creditor) and the receiving company (debtor), the creditor uploads invoices for goods or services already delivered to the debtor to our platform. These are confirmed as payable within the defined payment terms (14-90 days) by the debtor. All invoices are confirmed and insured against default with our insurance partner.
The invoices are financed indirectly by investors via electronically issued bearer bonds. Our allocation algorithm ensures well diversified and secured investments and interest payments for investors.
Generating maximum returns
We can offer attractive returns because we remove hurdles and do not require a middleman. Our automated processes reduce costs and maximize returns for investors. We are a Lendtech platform that primarily benefits investors and companies that use our platform and drives economic growth.
We only work with internationally recognized third-party providers, our payment default reinsurance, our KYC/KYB processes, or the credit assessment of companies. All in all, we are convinced that this is what it takes to take corporate finance to the next level!
Get in touch with us via our contact form. We are happy to answer all your questions.
Or find more details of advantages with Finyoz here.
Finyoz compared to other asset classes
Our investment process offers higher returns and full flexibility with lower volatility in comparison to other asset classes.
Investments are highly hedged through diversification and insurance, offering uncorrelated returns and a high Sharpe ratio.
Calculate your return
Enter the investment amount and choose your preferred duration to calculate your return. Compare a single investment to automatic reinvestment with Autoinvest and compound interest.
EUR
Autoinvest
Refund 30 days later
0
EUR
Return 30 days later
0
EUR
0
0
Invest today!
*** Some services will become available in selected countries as of Q2 2025.
Still got questions?
Visit FAQ's: Questions and Answers
Continue reading: Advantages with Finyoz
Finyoz in the media: Media News
Follow us on: Social media
Book your personal online meeting: Book meeting
Questions regarding our service? Contact our support team: Contact
Awards
As a tied agent according to §3(2) WplG, Finyoz Deutschland GmbH is arranging deals in investments under §2(2)(3) WplG and placing financial instruments without a firm commitment §1(1a)(2)(1c) KWG under the name and account of DonauCapital Wertpapier GmbH, Passauer Str. 5, 94161 Ruderting, supervised by the German Financial Authority (“Bundesanstalt für Finanzdienstleistungsaufsicht, BaFin”) which has a publicly accessible register under www.bafin.de listing all supervised companies. Payment services for Finyoz Deutschland GmbH are provided by CurrencyCloud B.V. (https://www.currencycloud.com/legal/terms/) registered in the Netherlands No. 72186178. Registered Office: Nieuwezijds Voorburgwal 296 - 298, Mindspace Nieuwezijds Office 001 Amsterdam. CurrencyCloud B.V. is authorised by the DNB under the Wet op het financieel toezicht to carry out the business of a electronic-money institution (Relation Number: R142701).