Frequently Asked Questions

DigiKash provides backtested, AI-assisted allocation strategies designed specifically for UK small and medium businesses holding idle corporate cash reserves. We analyse historical data and current allocation frameworks to help finance teams understand how their reserves could be structured, then present that analysis in a clear, actionable format.

No. DigiKash is an analytical service. We do not hold client funds, and we do not provide personalised financial advice. Our output is intended to support your own internal decision-making process and should be reviewed alongside your accountant, treasury adviser, or other qualified professional before any funds are moved or committed.

We apply a defined allocation methodology against historical market and cash data to see how a given strategy would have behaved over past periods. This gives businesses a data-informed view of potential outcomes and volatility patterns. It's important to note that backtested results are illustrative only — past performance does not guarantee future results.

DigiKash is built for owners, finance directors, and operations leads at small and medium-sized UK businesses who are sitting on cash reserves that aren't currently earning a meaningful return. If you're evaluating how to structure idle working capital more efficiently, our analysis is designed to give you a clearer starting point.

Typically we start with a general picture of your current cash position, your business's liquidity needs, and your time horizon for any reserves you're looking to allocate. The more context you can share, the more tailored our analysis will be — but there's no obligation to disclose sensitive account details upfront.

Once you submit your details through our intake form, our team reviews your situation and prepares an initial assessment. Timeframes can vary depending on the complexity of your reserves and how much information is provided, so we'll always give you a realistic expectation once we understand your specific case.

No. Any strategy involving allocation of capital carries some degree of risk, and backtested figures are not a promise of future performance. We aim to give you a transparent, well-reasoned view of possibilities — the decision on how to proceed always remains with you and your business.

Yes. Any information you share with us as part of the analysis process is treated as confidential and used solely to prepare your assessment. Please see our Privacy Policy for full details on how information is handled.

Our current focus is on UK small and medium businesses, as our methodology and market data are tailored to that context. If your business operates internationally, get in touch and we can discuss whether our approach is still a good fit.

Costs and engagement structure depend on the scope of analysis your business needs. Rather than quote a generic figure here, we'd rather understand your situation first and then talk through what makes sense — reach out via our contact page to start that conversation.

Absolutely. If you'd prefer to ask questions before sharing any business information, you're welcome to contact us directly first. We're happy to explain our process in more depth so you can decide whether it's the right fit for your business.

You'll receive a breakdown of the allocation strategies we've assessed for your situation, along with the backtested context behind them. From there, it's entirely up to you how you proceed — whether that's implementing changes internally, discussing further with your own advisers, or asking us follow-up questions.