Robora uses an intelligent system to manage your cash flow effectively by defining lower and upper limits. These limits are calculated based on your financial behavior and help ensure that your funds are optimized for both liquidity and yield. Here's how they work:
Lower Limits: Robora analyzes the history of cash payments and receipts in your linked external bank account to estimate the amount required for your typical weekly expenses or outflows. This estimated amount is referred to as the lower limit.
Upper Limits: Robora adds a small buffer to the lower limit to protect you from potential fluctuations and volatility. Any amount above the upper limit is considered ‘Excess Cash’, which can be optimized to earn a higher yield.