Six connected modules. One verified farmer record.
Every module reads and writes to the same Farmer Digital Identity — so a credit decision, a traceability event and an advisory message are all working from the same ground truth.
Farmer & Farm Digitization
The Farmer Digital Identity (FDI) Registry is the foundation of the platform — a single, verifiable record of who a farmer is, what land they farm, and what they grow.
Digital identity capture
Onboarding via USSD, field agent app or self-registration — linked to national ID where available, with biometric or photo verification.
Geotagged farm mapping
Plot boundaries, land tenure status and crop mix captured against satellite basemaps, down to sub-hectare precision.
Household & production history
Season-by-season yield, input use and income data accumulates into a longitudinal farmer profile that gets more valuable over time.
In the field: FarmMate
FarmMate's out-grower onboarding runs a 10-point eligibility protocol — land tenure, farming experience, irrigation access, training commitment — captured at intake instead of paper checklists. That's the exact workflow the FDI Registry is built to digitize.
In the field: FarmMate
FarmMate applies standardized Grade A/B/C specifications — weight, size, defect tolerance — for every crop at every collection point. Traceability is built to turn that kind of field-level grading into a digital, verifiable record from plot to sale.
Traceability
Blockchain-backed QR codes follow produce from plot to point of sale, giving buyers, regulators and certifiers a verifiable chain of custody.
Pre-harvest tracking
Input use, protocol adherence and field activity logged against each plot from planting through to harvest.
Post-harvest chain of custody
Aggregation, grading, storage and transport events recorded at every handoff, with QR verification at each step.
Compliance reporting
EU Deforestation Regulation (EUDR), Ecodesign for Sustainable Products (ESPR) and digital MRV (DMRV) reports generated directly from field data — no separate audit process required.
Agri-Financing
Field and yield data from the FDI Registry feed directly into an AI credit engine — turning informal farming histories into bankable risk profiles.
AI credit engine
A 0–850 AI-driven credit score built from farm size, crop history, yield performance and repayment behavior — usable by any partnered lender.
Input BNPL & asset lease-to-own
Buy-now-pay-later financing for seed, fertilizer and agrochemicals, plus lease-to-own structures for equipment like solar irrigation pumps.
Insurance & micro-pensions
Area-yield index insurance (AYII) and micro-pension products underwritten against the same verified farmer record.
Automated repayment waterfall
Loan, premium and input-credit repayments settle automatically from offtake sales before farmer payout — cutting default risk at the source.
In the field: FarmMate
FarmMate bundles input credit and multi-peril crop insurance directly into its per-acre input packages — a standard tomato package totals GHS 14,664, including a GHS 2,341 credit facility charge and a GHS 1,222 insurance premium, repaid against harvest proceeds. Agri-Financing is built to score, price and settle exactly this kind of structure automatically.
In the field: FarmMate
FarmMate requires every out-grower to complete enhancement training on approved protocols and work under the direct guidance of field supervisors — consulting FarmMate before deviating from a recommended practice. Advisory Services is built to extend that same guidance digitally, at scale, over IVR and USSD.
Advisory Services
Extension that reaches farmers where they already are — no smartphone or data plan required.
IVR & USSD delivery
Voice and text-based menus deliver advisory content on any feature phone, in local languages.
Package-of-practice guidance
Crop-specific agronomic guidance timed to the season — sowing, fertilization, pest management, harvest.
Weather & market signals
Localized weather alerts and real-time market prices, so farmers can time input purchases and sales decisions.
Payments
Every transaction in the chain — input purchase, offtake sale, loan repayment, farmer payout — settles through the same digital rails.
Mobile money settlement
Direct integration with telco mobile money rails for instant, traceable disbursement to farmers and agents.
Digital input vouchers
QR-verified, anti-counterfeit vouchers redeemable at agro-dealer networks, tied to each farmer's BNPL limit.
SIM-based pay-to-operate
IoT-enabled equipment (e.g. solar irrigation pumps) unlocked through SIM-linked micro-payments, tied to smart-meter usage.
Why it matters
Out-grower programs typically bundle input credit, insurance premiums and loan interest into a single per-acre repayment amount, settled once the harvest is sold. Payments is built to automate that settlement end-to-end — no manual reconciliation required.
Open API & data exchange
Every module is available through a single open API — real-time IoT telemetry, USSD/mobile money integration and a shared data exchange hub for every partner that plugs in.
Real-time IoT telemetry
Smart meters and field sensors (e.g. solar irrigation, weather stations) stream directly into the platform for usage-based billing and agronomic insight.
USSD & mobile money integration
Native integration with telco USSD gateways and mobile money rails means no app download is required for farmers to participate.
Partner data exchange
Lenders, off-takers, insurers, government agencies and DFIs connect through role-scoped APIs into the same underlying farmer and farm record.
See the platform on your data
Bring your farmer list, coverage area or program design — we'll walk through how ValueChainOS maps onto it.