Every capability built around one goal: fewer surprises in your cash position
Luno Xyrem combines forecasting, monitoring, and compliance-aligned infrastructure into a single workspace for independent professionals managing their own capital.
A forward-looking view of your capital, not just a ledger of what already happened
Luno Xyrem continuously reads your transaction history and upcoming obligations to project cash position weeks ahead, flagging pressure points before they become decisions made in a hurry.
Instead of static reports, the system maintains a live model of your finances. As invoices, recurring costs, and irregular income move through your accounts, the forecast updates — giving you a realistic picture of what's ahead rather than a snapshot of what's behind.
This is particularly suited to independent professionals whose income doesn't arrive on a predictable schedule: the model accounts for variability instead of assuming it away.
- Rolling Forecast Updated continuously as new data arrives, not on a fixed monthly cycle.
- Variance Alerts Notifications when actual cash flow diverges meaningfully from projection.
- Scenario View Model the effect of a delayed payment or a new recurring cost before it happens.
- Obligation Tracking Upcoming tax, subscription, and contract commitments folded into the same view.
Designed around how independent professionals actually work
Not a scaled-down enterprise tool — a workspace built from the ground up for a single practitioner managing their own capital across irregular income and shifting obligations.
One view of everything, with nothing built for a finance team you don't have
Every screen is designed for a single decision-maker. There's no approval chain, no multi-seat permissions to configure — just the numbers that matter to you, organized so the next decision is obvious.
Built for income that doesn't arrive on a schedule
Freelance retainers, project fees, seasonal contracts — the forecasting model treats variability as the norm, smoothing projections instead of assuming a steady monthly paycheck that doesn't exist.
Financial data treated as sensitive by default, not as an afterthought
Because Luno Xyrem touches transaction-level detail, the underlying infrastructure is built with encryption and access control as baseline requirements rather than optional add-ons.
Infrastructure built with sensitive financial data in mind
These are the foundational commitments behind every account — the baseline, not a premium tier.
Encryption at Rest
Stored data is encrypted so that raw account information isn't exposed even in the underlying storage layer.
Encryption in Transit
Every connection between your device and Luno Xyrem is encrypted end to end during transmission.
Single-User Access
Accounts are scoped to one authenticated owner, reducing the surface area for unintended access.
Regulation-Aligned Handling
Data practices are structured with applicable financial and privacy regulation as a guiding baseline.
From connected accounts to a working forecast
The setup is intentionally short — most of the work happens automatically once your data is connected.
Connect Accounts
Link the accounts and income sources relevant to your practice.
Data Is Categorized
Transactions are sorted into income, fixed costs, and variable obligations automatically.
Forecast Builds
A rolling projection of your cash position begins updating as patterns emerge.
Alerts Activate
You're notified when actual results diverge meaningfully from the forecast.
See how Luno Xyrem fits your practice
Walk through the forecasting engine and data handling model with a short guided demo.
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