Powered by the Digital Commodities Fund · AgrOS

The settlement rail for agriculture.

One engine for settlements, digital agro-credit and agro-insurance distribution, automated customer origination and aggregated carbon credit disbursement.

Capabilities

Every flow on one infrastructure.

01
Settlements

Payments and payouts between producers, aggregators, buyers and financiers over mobile money and bank rails.

02
Agro-credit distribution

Digital loan products from regulated lenders, delivered through cooperatives and value chain actors.

03
Agro-insurance distribution

Crop and livestock cover offered at the point of transaction, with automated premium collection.

04
Automated origination

Customer onboarding and profiling from AgrOS data, ready for lenders and insurers to underwrite.

05
Carbon credit disbursement

Aggregated carbon revenue split and paid to the smallholders who generate it.

06
And more

Any service that moves money or data through a commodity chain can plug into the rail.

The rail

From field data to final payout.

Stage 1

Originate

AgrOS records identify and profile farmers and their commodity activity.

Stage 2

Assess

Credit bureau checks and partner underwriting set eligibility and pricing.

Stage 3

Settle

Funds, premiums and repayments move once, signed and recorded in a tamper-evident ledger.

Stage 4

Disburse

Payouts, including carbon credit revenue, reach each farmer and cooperative, reconciled daily.

Impact on the AgrOS network
40,000
Farmers onboarded
AgrOS registered farmers
250
Cooperatives
On the AgrOS network
1M+
Production records
Behind credit and insurance scoring
UGX 6.5B
Settlements processed in the test third-party aggregator - Kite gateway
1,165 coffee farmers
Partners

Built with the ecosystem.

Pride Bank

Banking partner for lending and account services.

Armada Credit Reference Bureau

Credit data for farmer underwriting.

MTN MoMo

Mobile money collections and payouts to farmer wallets.

Britam Insurance

Underwriting partner for agro-insurance products.

Solidaridad

Sustainable supply chain programmes and farmer support.

Makerere AI Research

Applied AI research behind risk and advisory models.

M-Vet (AI 4 Livestock)

AI-driven livestock health data for insurance and credit.

CHAIN-Ug

Network connecting value chain actors in Uganda.

AFCA (Coffee Association)

Coffee association representing producers and exporters.

Plug into the new engine.

Partner reviewOperator sign-inFor lenders, insurers, cooperatives, integrators and donors.