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
The Invesco Euro Liquidity Fund, rated AAA by S&P and Fitch, is managed by Invesco Investment Management Limited in the IFSC, with The Bank of New York Mellon SA/NV, Dublin Branch, acting as custodian and depositary bank.
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 to show how Velocity can instantly impact your profit line.
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
- Input your specific payment terms, or stick with indicative
- A personalised one-page analysis to download
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 change of payment terms and not a euro of new sales required.
The Power of Velocity
| Terms | Balance working | Added to profit | Uplift | Equivalent sales, max |
|---|
Next steps
We will reach out in the next 2 working days to touch base and look to set up a 30-minute conversation with your CFO/FD and finance team: we walk through the desktop app, rerun the numbers on whatever figures you consider the right ones, and set out account opening. No fee, no obligation. If you would then like to move ahead, corporate onboarding should take no longer than one to two weeks once we have all the account opening documents from you.
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 are paramount for your cash holdings
Your cash is held in your own name at The Bank of New York, Dublin, and invested in The Invesco Euro Liquidity Fund, a Central Bank of Ireland authorised and EU regulated short-term money market fund, rated AAA by S&P and Fitch. Starlight never receives, holds or accesses your funds and your assets remain protected and inaccessible to our creditors. The credit position is stronger than the current or deposit account that it receives transfers from: 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, Dublin 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 Investment Management Limited forms part of Invesco Inc, a leading global investment management firm with c. US$2.56 trillion of assets under management and US$269 billion in liquidity assets. It has been guiding treasury professionals through the global liquidity markets for more than 45 years, focused on the optimum balance of capital preservation, daily liquidity and yield for short-term cash reserves. Figures as at 31 August 2026.
Your questions, answered
Can’t find the answers you were looking for?
Reach out to us at StarlightAdvisor@starlightadvisors.ie
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 current 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 Bank of New York, Dublin.
How long does it take to get up and running?
We start with a thirty-minute session with your CFO/FD and finance 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. Following a green light from you, corporate onboarding should take no longer than one to two weeks once we have all the account opening documents from you.
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 the ECB deposit rate and to overnight wholesale interbank deposit rates, and moves with those rates 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. The figures here are calculated on euro cashflows in a euro fund. Non-euro balances would not necessarily reduce the benefit, but would be held in a money market fund of the matching currency. 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.