Public preview
Idle cash interest review
Could excess operating cash be earning interest without compromising liquidity?
Estimate an illustrative interest opportunity after preserving the stated operating buffer, forecast needs, and decision constraints.
Inputs
- ✓Account balances
- ✓Liquidity policy
- ✓Illustrative yield
Outputs
- ✓Eligible-balance scenarios
- ✓Annualized opportunity
- ✓Liquidity questions
Checks performed
- ✓Observation-date freshness
- ✓Minimum cash buffer
- ✓Yield and concentration limitations
Guided synthetic example
See the check from input to decision
An operating account remained well above the company's stated cash buffer for three months.
This is the operating model we use at Level. The percentages are estimated shares of the work in a typical review. Actual effort varies with data quality, complexity, and the issue found.
Start with the source records
About 15% of work| Measure | Amount | Basis |
|---|---|---|
| Average observed cash | $620,000 | 90 days |
| Required operating buffer | $200,000 | Policy |
| Illustrative eligible balance | $420,000 | Difference |
| Illustrative yield | 4.00% | Assumption |
Run the deterministic check
About 20% of workSubtract the approved liquidity buffer from observed cash and apply a dated illustrative yield without treating the estimate as guaranteed earnings.
Surface the flagged result
About 10% of workNeeds review
The illustrative annual interest opportunity is $16,800 on $420,000, before liquidity, bank-risk, tax, and account constraints.
Use recorded finance judgment to analyze possible reasons
About 25% of workAt Level, we record the review logic, known explanations, and questions our finance professionals use in this situation. AI applies that documented human judgment to organize the most plausible reasons, without pretending it knows which reason is true.
Possible reasons to investigate
The apparent excess may be needed for payroll, taxes, acquisitions, seasonal troughs, debt covenants, or near-term projects.
Make the final human judgment
About 20% of workA Level finance professional validates the source evidence, challenges the AI-assisted analysis, and decides which explanation is supported.
Make the operating decision
About 10% of workValidate the 13-week forecast and treasury constraints before an authorized signer considers any account change.
Use this system
Start with the example, then inspect the structure
- Download the invented input and expected output.
- Replace one field at a time with a safe test value.
- Compare the result with the expected structure.
- Have a finance professional review every exception before acting.
MCP preview
run_synthetic_example {"slug":"idle-cash-interest-review"}Human review is part of the system
This check organizes evidence and surfaces exceptions. A person with finance domain expertise still needs to interpret the result, validate the source records, and discuss the operating decision.
Open source does not mean open client data. We publish reusable finance tools, checks, templates, and playbooks. Client records, workpapers, credentials, communications, and private configurations remain confidential.