Starlight Velocity.
The Corporate Treasury App.
Your new profit centre — built from cash you already hold and a payment cycle you already run.
Dublin Branch
Invesco Euro Liquidity Fund, rated AAA by S&P and Fitch · Future Wealth Limited, trading as Starlight Advisors, is regulated by the Central Bank of Ireland
What is your payment cycle worth?
Your customers pay you. You pay your suppliers. In between, a serious amount of your own money sits in a current account earning almost nothing — while the ECB pays 2.50%.
Three figures from your accounts is all it takes. Nothing is stored, and nothing is sent anywhere.
Your Velocity profit centre
Four quick questions, and get the full indicative analysis:
- What your Velocity profit centre contributes every year
- The calculation, line by line, so your FD can check it
- How it scales at 30, 60 and 90-day terms
- A one-page version by email, and a call if you want one
Velocity is a corporate treasury product for euro-area trading companies. The questions are how we work out whether it is worth your time as much as ours.
Your numbers in full
| The calculation | Amount |
|---|
Every figure is shown as a range. The minimum is the return on your cash at bank alone; the maximum adds the full payment-cycle float. The two are not additive — year-end cash already contains part of the float — so your own position sits between them, and it is the first thing we would pin down with your treasury team. Any interest you already earn on that cash is shown for context and never netted off.
Nothing else changes: no new headcount, no change of bank, no lock-up, no borrowing, and not a euro of new work won.
How it scales with your cash cycle
| Terms | Balance working | Added to profit | Uplift | Equivalent sales, max |
|---|
This works on cash you already hold under the terms you already operate. It is not a case for paying your suppliers more slowly, and we would never present it as one.
Three things change. Nothing else does.
Velocity is a treasury layer that complements your existing banking workflow, systematically monetising your company cashflows every day, 365 days of the year. No change of bank, payment terms or headcount required.
Your cash stops sitting still
The finance team opens the Velocity app next to the bank portal they work in every day. Your own approval hierarchy, your own 2FA, exactly as you run them now. Surplus cashflows are seamlessly transferred from your current account to your own account with The Bank of New York, Dublin, utilising institutional payment rails.
Your payment cycle starts earning
The cashflows between being paid and paying out — the part no current account reaches — add a new profit line each and every day. Held in Invesco’s flagship AAA-rated Euro Liquidity Fund, with interest accrued daily, paid monthly. Your cash and cashflow is always working for you.
One transfer out. Same-day back.
Withdrawals settle back to your current account the same day, at the touch of a button, on the same institutional rails. No notice period, no minimum term, no penalty — a few minutes a day is all it asks of your team.
Security and trust is paramount for your cash holdings
Your cash is held in your own name at The Bank of New York, Dublin Branch, and invested in Invesco’s Euro Liquidity Fund, rated AAA by S&P and Fitch. Starlight never receives, holds or accesses it — if Starlight were to encounter difficulty, your assets remain protected and inaccessible to its creditors. The credit position is stronger than the current or deposit account it replaces: the fund is rated two grades above the Irish State, guarantor of domestic bank deposits, and five grades above the highest-rated Irish bank.
The Bank of New York Mellon is a leading AA-rated global custody bank with nearly US$50 trillion in client assets under custody and administration. Founded in 1784 and operating in the IFSC since 1994, it is one of the oldest banks headquartered in the United States, employs over 50,000 banking professionals globally, and provides custody banking services to nearly all Fortune 100 companies and the top 100 banks globally.
Operating in the IFSC since 1997, Invesco is a leading global investment management firm with c. US$1.85 trillion of assets under management and US$207 billion in client liquidity assets. It has been guiding treasury professionals through the global liquidity markets for more than 40 years, focused on the optimum balance of capital preservation, daily liquidity and yield for short-term cash reserves.
Your questions, answered
What exactly is the “payment cycle float”?
It is the money you are holding between being paid by your customers and paying your suppliers. If you turn over €120m and operate 30-day terms, roughly one month of that turnover — about €10m — is sitting in your account on any given day. It is genuinely yours and genuinely available, and in a current account it earns close to nothing. Velocity monetises it without changing your terms, your suppliers or your bank.
How is this different from a deposit account or a term deposit?
Three ways. A bank deposit account pays you 0.07% to 0.10% on corporate overnight money, a current account pays nothing; the Invesco AAA money market fund tracks institutional rates instead. A term deposit locks your money up; Velocity settles back to your bank current account the same day with no notice period. And no account of either kind monetises the payment cycle — they only pay on the balance you happen to leave behind.
Is this covered by the Deposit Guarantee Scheme?
No. The Deposit Guarantee Scheme covers bank deposits up to €100,000 per institution. Velocity is an investment in an EU-regulated money market fund, not a deposit, so the scheme does not apply.
What you get instead is a materially stronger credit position than the deposit it replaces: the Invesco Euro Liquidity Fund is rated AAA by both S&P and Fitch, two rating grades above the Irish State — which guarantees those deposits — and five grades above the highest-rated Irish bank. Holdings sit across 30 to 50 issuers with close to half the portfolio typically maturing within seven days, significantly limiting term credit risk to any one institution to the shortest time frames. Assets are segregated from Starlight, Invesco and the custodian alike.
What does it cost, and does Starlight take a commission?
The platform fee is 0.50% a year on balances in the app. There is no set-up fee, no exit fee, no minimum term and no charge for moving money in or out. Starlight accepts no commissions from product producers, and never receives, holds or accesses your cash — it moves directly between your bank account and your own fund account at The Bank of New York, Dublin.
How long does it take to get running?
The app is in production and the counterparties are in place, so the work is corporate onboarding rather than building anything: account opening in your company’s name, your approval hierarchy and 2FA configured, and your team walked through the screen. Start with a thirty-minute session with your CFO and treasury team — we will rerun the numbers on whatever figures you consider the right ones, under NDA if you prefer, and set out what account opening involves. No fee and no obligation.
Find out what your payment cycle is worth.
Thirty minutes with your CFO and treasury team. We walk the app, rerun the numbers on your figures, and set out what account opening involves. No fee, no obligation.
Warning: If you invest in this product, you may lose some or all of the money you invest. Warning: The value of your investment may go down as well as up. Warning: The income you get from this investment may go down as well as up. Warning: These figures are estimates only. They are not a reliable guide to the future performance of this investment.
About the figures. Calculations use a net client rate of 1.90% a year, consistent with an ECB deposit facility rate of 2.50% effective 16 September 2026. The rate is linked to ECB policy and moves with it in both directions; it is not promised or guaranteed. Payment-cycle float is calculated as turnover × days ÷ 365 on the terms selected; your actual float depends on how receipts and payments fall through the month. Only euro cashflows sit in the euro fund, so where turnover includes other currencies the capturable balance is smaller than a group figure suggests. Figures are arithmetic on the inputs entered and are illustrative only — not advice, not an offer, and not a forecast.
This page is for information purposes only and does not constitute investment advice or an invitation to invest.