LYQD BY MYTRA · CORPORATE TREASURY
Know your cash. Plan your liquidity. Make better treasury decisions.
See your cash, upcoming commitments and available liquidity in one place.
- How much cash do we have?
- What do we need, and when?
- What can we safely do with the rest?
Built for mid-sized IT, SaaS, consulting, BPO and professional services
4.82 − 1.15 commitments − 1.27 buffer & restricted = ₹2.40 Cr free cash
- Cash position you can review
- Obligations on the payment calendar
- Liquidity decisions with a clear trail
- Investments optional — not the whole product
Why finance teams use LYQD
Three questions every treasury conversation starts with.
Growing service businesses often collect ahead of payroll, vendors and taxes. Without a shared view of cash and commitments, surplus sits idle — or teams scramble before dues.
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How much money does the business actually have?
Company-wise bank accounts and statement balances maintained in LYQD, with balance date and freshness visible to the team.
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How much will it need, and when?
Planned payroll, vendors, taxes and recurring obligations on a horizon you choose — so shortfalls show up before payment day.
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What can it safely do with the remaining money?
Explainable free cash after buffer and restricted cash. Leave it in the bank, tighten the plan, or optionally start a treasury proposal.
Product capabilities
A treasury workspace — not only an investment screen.
Six capability areas finance teams use together. Some steps are assisted by books or ops; nothing here claims full automation where the product still needs human review.
01
Cash Position
- Bank accounts and statement balances on LYQD
- Company-wise cash visibility
- Balance dates and freshness cues
- Eligible accounts under company policy
Balances are entered and saved in LYQD. Remote ERPNext does not auto-pull statement balances into free cash.
02
Cash Commitments
- Vendor payments, payroll, taxes
- Recurring expenses and other planned dues
- Optional suggestions from ERPNext books
- Only accepted Planned items reserve cash
Books discovery is reviewed and accepted by your team. Sync from books is user-triggered.
03
Cash-flow Forecasting
- Forecast horizons (7 / 14 / 30 / 60 days or custom)
- Planned outflows in the selected window
- Shortfall visibility against the horizon
- Books setoffs (e.g. receivables) when accepted
Day-by-day cash-flow ladder is being developed — today’s view is a horizon cutoff, not a daily ladder.
04
Liquidity Planning
- Potential surplus / free cash
- Minimum operating buffer
- Restricted cash
- Explainable Surplus Run waterfall
Free cash = bank cash − Planned commitments − buffer − restricted cash.
05
Treasury Investments
- Invest and Redeem proposals
- Human approval before instructions proceed
- Holdings and transaction history view
- Initial scheme focus: ICICI Liquid Fund
Optional after free cash is clear. Soft-launch: live Mytra submission and live holdings sync are still being connected; demos may show sample portfolio data.
06
Treasury Controls & MIS
- Roles for day-to-day users and managers
- Proposal and instruction approval steps
- Change history on key treasury records
- Cash-position MIS and drift alerts
Built for control in the SPA — not marketed as a full enterprise GRC suite.
How it works
From cash on hand to a treasury decision.
A simple path your finance team stays in control of — visibility first, action second.
- 1 Cash Position Confirm bank balances and freshness for each company.
- 2 Commitments Put planned payments on the horizon — including overdue.
- 3 Forecast See free cash or shortfall for the window you care about.
- 4 Liquidity Decision Leave surplus in the bank, adjust the plan, or prepare a proposal.
- 5 Approval A person reviews and approves before any investment instruction moves forward.
- 6 Treasury Action Optional Invest / Redeem proposal — not required to use cash forecasting.
Mutual fund steps are one treasury action LYQD enables. They do not define the product.
Who it’s for
Built for growing service businesses with recurring cash cycles.
- IT & software Collections ahead of month-end payroll and vendor runs.
- SaaS & consulting Retainers and milestone cash that need a clear commitment plan.
- BPO & staffing Large salary cycles where shortfall visibility matters early.
Primary buyer: CFO, Finance Head or founder. Daily users: controllers and accounts teams.
Control
Your cash. Your decisions. Clear visibility.
LYQD shows the numbers; your business decides. Bank balances stay on your LYQD company records. Investment workflows, when used, sit on Mytra’s mutual fund distribution capability — not as if LYQD were the custodian of your operating accounts.
- Free cash always reflects the Surplus Run waterfall
- Shortfalls visible before payment dates
- ERPNext is optional; books sync is on demand after human acceptance
- Expected receipts do not inflate available cash until confirmed on the plan
- Proposals require human approval — no autonomous trading from LYQD
Optional treasury action
When free cash is clear, some teams consider short-term surplus options.
Leaving money in the current account, a short bank deposit, or a liquid mutual fund are different products. LYQD does not promise higher returns. Liquid funds are market-linked and optional — subject to scheme terms, cut-offs and settlement.
Idle current account
~0% p.a. typical
- Usually earns little or no interest
- Often sits idle between payment dates
Short-term bank FD
~3% p.a. illustrative
- Hypothetical rate for examples only
- Bank deposit — different from a mutual fund
Liquid mutual fund
~5.5% p.a. illustrative only
- Hypothetical stated rate — not a forecast
- Not a bank deposit; plan ahead of dues
- Fits the payment calendar — short windows between known dues, not multi-year investing.
- Plan ahead of dues — subject to scheme cut-offs, business days and settlement.
- What it is not — not a bank deposit, not operating cash, not a fixed-return promise. Proceeds are not bank cash until credited.
Mutual fund investments are subject to market risks. Read all scheme-related documents carefully. Illustrative calculator (secondary to the treasury workflow).
Illustration only
Illustrative interest calculator
Interest = Principal × Annual rate × Days ÷ 365. Arithmetic for stated rates — not a mutual fund return forecast, not tax-adjusted, and not a promise of performance.
Defaults: ₹2 crore · 7 days · 3% ≈ ₹11,507 vs 5.5% ≈ ₹21,096.
Hypothetical interest for stated annual rates only — not forecasts of mutual fund performance. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Liquid funds are not bank deposits and do not guarantee principal, fixed returns, or credit on a specific clock time. Redemption processing and settlement depend on scheme terms, cut-off times, business days and applicable rules.
FAQs
Straight answers for finance leads.
Is LYQD only for companies that invest in mutual funds?
No. LYQD is a corporate treasury workspace: cash position, commitments, forecasts and liquidity planning. Investment proposals are optional after free cash is clear.
Does LYQD require ERPNext?
No. Books are optional — Manual, This Site, or Other Site. Statement balances used for free cash stay local on LYQD Bank Balance. Suggestions from books need review and acceptance; sync is user-triggered.
Does LYQD move money automatically?
No. Free cash is a forecast. Any Invest / Redeem proposal requires human approval. There is no autonomous trading from LYQD Desk or the SPA.
Are investment submissions live today?
Proposal and approval steps exist in the product. Live Mytra transaction submission and live holdings sync are still being connected for soft launch; portfolio views may show sample data in demo scenarios. Treat proposals as workflows — not completed live trades — until ops confirms activation and live connectivity.
Is a liquid fund the same as a bank deposit?
No. Mutual funds are market-linked. They do not guarantee principal or returns, and redemption proceeds are not bank cash until credited to your account.
Built by Mytra
From an understanding of business finance and technology.
Mytra works with growing businesses to improve financial and operational processes through technology. LYQD extends this thinking into corporate treasury—bringing cash visibility, obligation planning and liquidity decisions into one workspace.
For the optional investment workflow, Mytra is a registered Mutual Fund Distributor with an existing BSE mutual fund transaction integration. That supports proposal and instruction pathways — it does not by itself make LYQD a fully automated treasury execution platform. Learn more about Mytra.
SaaS + open source
Run LYQD with Mytra — or on your own bench
SaaS: lyqd.mytra.money for hosted corporate treasury (soft launch).
Open source: MIT-licensed Frappe app on GitHub — ERPNext optional. Cash position, commitments and explainable free cash.
LYQD by Mytra
See LYQD in a treasury walkthrough
See how LYQD can help your finance team understand its cash position, plan upcoming obligations and make informed liquidity decisions.
Mutual fund investments are subject to market risks. Read all scheme-related documents carefully.