Idle capital sitting in commercial bank current accounts can be a depreciating asset while corporate deposits earn minimal yields. Ustawi acts as an independent balance sheet architect, designing and executing treasury optimization strategies for excess liquidity and immediate capital preservation.
Automated liquidity sweeping moves excess cyclical operational cash into high-yielding, low-risk money market funds and unit trusts through authorized partner networks, maximizing yield without lock-in penalties.
Direct sovereign fixed-income access routes large-ticket institutional allocations into secondary market government bonds through specialized execution partners, seeking institutional pricing and optimized coupon yields for SACCOs and investment clubs.
Independent fiduciary allocation keeps asset allocation recommendations unaligned with any single commercial banking group and focused on corporate bottom-line and working-capital objectives.