Tenerazgo analyzes the market in real time and translates the data into clear recommendations for your savings and investment. Without permanence. No locks. Withdraw your funds when you need them.
◉ Automated rebalancing ◉ One-click withdrawal ◉ Clear language explanations
If you work remotely, your income varies by project, currency and season. You need an affordable mattress and, at the same time, you want your surplus to not lose value.
The problem is twofold: on the one hand, excess financial information that is difficult to interpret. On the other hand, many products require retention periods that leave you no margin if your plans, your residence or your billing change.
Tenerazgo addresses both issues with a different approach: continuous data analysis to make better decisions, and a liquid strategy by design so you never have to choose between potential profitability and peace of mind.
Transparent methodology: you see what data is analyzed, what risk it implies and what you can withdraw at any given time.
You don't need to trust a black box. Tenerazgo shows the complete journey from data to decision: what is analyzed, what scenarios are simulated and what result you can expect. You always have the last word.
We collect macro, market and currency data relevant to Spain and the Eurozone. We cross them with your context: income, fixed expenses and desired cushion.
Predictive models simulate scenarios—market tension, drop in turnover, rising rates—and calculate the exposure of each option in understandable language.
You receive two or three alternatives ordered by risk, liquidity and horizon. Each one indicates the suggested amount, reason and how to withdraw it if you need it.
You retain full control. Tenerazgo proposes, explains and executes only what you approve. You can pause, adjust the risk level or withdraw 100% of your capital at any time, with no lock-in clauses.
For those who live between countries or bill for projects, liquidity is not an extra: it is risk management. That is why automated rebalancing always keeps a portion accessible and avoids positions that require immobilizing your money.
Four capabilities designed for the day-to-day life of those who manage their own capital, without needing to be a financial analyst.
View your level of exposure in volatile markets with a score from 0 to 100 and alerts when you exceed the threshold you defined.
Treasury and portfolio proposals that take into account your quarterly taxes, your cushion and your lowest billing months.
Check what would happen to your capital if your turnover falls by 20% or if rates rise. Results explained step by step, without jargon.
Euro, dollar and pound data and their real impact on your income. Ideal if you invoice clients from different countries and reside in Spain.
Use examples that show the logical path: context, applied analysis and liquidity benefit.
Separate your reserve for the quarterly payment of taxes and detect a stable surplus of 3 months. Tenerazgo proposes a conservative allocation with weekly risk review.
When you advance a payment to the Treasury, you withdraw €1,800 immediately without altering the rest of the strategy or assuming penalties.
Analyze payrolls, subscriptions and collections for 60 days. The model simulates a delay of two clients and adjusts the recommended buffer to 5 months of costs.
Keeps cash available to pay the team even if a client is late, with instant partial withdrawals.
Cross exchange rate exposure with your spending in euros. Receive alerts when EUR/USD volatility affects your real purchasing power.
Rebalance between currencies without blockages and dispose of your capital when changing bases, without lengthy disinvestment procedures.
Everything you need to know about withdrawals, AI models and conditions, explained directly.
From the panel you select the amount and confirm. The system liquidates liquid positions automatically and transfers the funds to your linked account. You will see the status of the settlement at all times and no penalty is applied for departure.
No. Tenerazgo does not apply permanence clauses or blocks to its recommendations. You can partially or totally withdraw your capital whenever you decide. Liquidity is a design principle, not a temporary promotion.
Macroeconomic, market and currency data from public sources and financial aggregators, combined only with the information you provide: income, expenses, horizon and risk tolerance. Your personal data is not shared with third parties for commercial purposes.
Each recommendation includes a risk score, simulated scenarios and the estimated impact on your capital. Additionally, you can set limits—for example, maximum exposure or minimum buffer—and you will be notified if a proposal exceeds them.
Tenerazgo is a decision support tool, not personalized advice or a guarantee of results. All investments carry risk, including possible partial loss. That's why we recommend always keeping your safety mattress accessible.
You access the analytical platform through a subscription, with no commitment to stay. Includes predictive dashboard, tailored recommendations, stress testing, and educational support during onboarding. You can unsubscribe whenever you want and withdraw your funds at any time.
Guided and educational onboarding. Connect your objectives, explore the predictive dashboard and see how your liquidity is maintained in each scenario.
No permanence clauses · No blockages · Transparent terms · Operation available in Spain (ES)
