AI That Turns Farm Activity Into Bankable Credit
Agrostil helps African smallholder farmers build a verified credit profile from real farm activity — so banks, microfinance institutions, and agribusinesses can finally lend to the farmers who need it most.
500+ farmers in beta
Verified farm data
Farm Profile
Ayokunle's Farm - Ibadan
Credit Score
Excellent - Loan Ready
12
Activities
4.2T
Est. Yield
92%
Health
Recent Activity
Planted 2 acres of maize
2 days ago
Applied irrigation
5 days ago
Uploaded farm photos
1 week ago
Loan Eligibility: Approved
Eligible for ₦150,000 input credit at 18% APR
Farm Profile
Ayokunle's Farm - Ibadan
Credit Score
Excellent - Loan Ready
12
Activities
4.2T
Est. Yield
92%
Health
Recent Activity
Planted 2 acres of maize
2 days ago
Applied irrigation
5 days ago
Uploaded farm photos
1 week ago
Loan Eligibility: Approved
Eligible for ₦150,000 input credit at 18% APR
Smallholder Farmers Are Financially Invisible
This isn't a lack of demand for capital — it's a lack of verifiable trust.
80%+ of smallholder farmers have no formal credit history
Financially Invisible
Over 80% of smallholder farmers across Sub-Saharan Africa have no formal credit history.
No Verifiable Trust
Lenders avoid agricultural lending because there is no reliable way to verify farm activity or risk profile.
Trapped in Cycles
Farmers resort to informal lenders at high interest, or skip inputs entirely — reducing yield.
80%+
Farmers without formal credit history
₦1.2T
Annual agricultural credit gap in West Africa
25-40%
Informal lending interest rates
We Turn Everyday Farm Activity Into a Verified Credit Profile
From WhatsApp voice notes to bankable trust — in real time.
Voice-First Entry
Farmers log activity via WhatsApp/USSD — voice notes in local languages, photos, harvest reports. No literacy required.
Multi-language support for Yoruba, Hausa, Igbo, English
AI Transforms Data
Agrostil AI structures raw, messy input into a standardized farm behavior profile with planting discipline, input patterns, and yield consistency.
Real-time processing with natural language understanding
Generate Score & Share
Dynamic Farm Credit Score updates with every activity. Lenders, insurers, and agribusinesses query this score via API.
Explainable scoring with transparent risk factors
The Value Exchange
Farmers get free access to AI-powered agronomy advice in exchange for contributing farm data. This isn't extraction — it's a partnership.
The AI Engine Behind the Farm Credit Score
Enterprise-grade machine learning, built for smallholder agriculture.
Data We Process
AI Models & Techniques
Natural Language & Speech
Multi-language transcription and NLP for local-language voice processing (Yoruba, Hausa, Igbo, English)
Computer Vision
Crop health detection, disease classification, and soil condition analysis from farm photos
Time-Series Modeling
Gradient-boosted and sequence models for yield prediction and behavioral pattern scoring
Anomaly Detection
Real-time fraud detection and unusual activity flagging for risk mitigation
Why GPU & Cloud Infrastructure Are Critical
Real-Time Processing
Thousands of concurrent farmer sessions require low-latency voice transcription and image inference — impossible on CPU alone.
Model Training at Scale
Periodic retraining on seasonal data requires distributed GPU compute to keep scoring models accurate across regions and crops.
Built for Farmers & Lenders
Six core features that power the entire credit ecosystem.
Farm Credit Score
Dynamic, explainable score updated with every activity log. Risk tiers mapped to lending terms.
Voice-First AI Agronomist
WhatsApp/USSD conversational advice in local languages, powered by fine-tuned LLMs with agronomic knowledge.
Lender API
Real-time credit and risk queries for banks, MFIs, and agribusinesses. JSON response with score breakdown.
Photo-Based Crop Insights
Computer-vision health flags, disease detection, and soil condition analysis from farm photos.
Market & Weather Intelligence
Real-time price trends, weather forecasts, and sell/hold recommendations for optimal market timing.
Farmer Dashboard
Activity history, score trends, AI advice log, and incoming loan/input/insurance offers.
Five Steps From Farm Activity to Bankable Credit
Each log moves a farmer one step closer to a verified offer.
Farmer Logs Activity
Voice note, photo, or harvest report via WhatsApp
AI Transcribes & Structures
Converts raw input into standardized farm behavior data
Credit Score Updates
Dynamic score recalculated in real time
Lenders Query API
Banks/MFIs pull credit score and risk tier
Offer Delivered
Farmer receives loan, input credit, or insurance offer
End-to-end timeline: Activity logged → Score updated → Offer delivered in under 5 minutes
All processing happens in the cloud with enterprise security standards.
Built on Enterprise-Grade Cloud Infrastructure
Scaling AI workloads with AWS, NVIDIA, and OpenAI — not just name-dropping.
How We Use AWS
Agrostil uses AWS to host backend APIs, store farmer and transaction data securely, run AI inference workloads, manage authentication, deploy scalable databases, and monitor system performance. We leverage Amazon Bedrock for managed foundation models and Transcribe/Comprehend for local-language processing.
Key Capabilities
+4 more- ECS/Lambda for scalable APIs
- Amazon S3 for data storage
- RDS for relational databases
- CloudFront for global CDN
How We Use NVIDIA
We use NVIDIA GPU infrastructure to accelerate training of crop-image and yield-prediction models, optimize real-time inference during peak planting seasons, and support future computer vision development across satellite and drone imagery.
Key Capabilities
+1 more- GPU acceleration for model training
- Real-time voice/image inference
- Peak season scaling
- Computer vision optimization
How We Use OpenAI
Our conversational AI agronomist is built on OpenAI language models, fine-tuned with local agronomic knowledge to deliver accurate farming advice across WhatsApp and USSD in natural, context-aware conversations.
Key Capabilities
+1 more- Fine-tuned language models
- Local-language conversational AI
- Context-aware farming advice
- Multi-language support
System Architecture
Farmer Input
WhatsApp/USSD
Agrostil API
Processing
AI & Data Layer
Models & Storage
Lender API
Credit Queries
Banks/MFIs/Insurers
Partner Network
Farmer Input
WhatsApp/USSD
Agrostil API
Processing
AI & Data Layer
Models & Storage
Lender API
Credit Queries
Banks/MFIs/Insurers
Partner Network
End-to-end secure pipeline: Farmer voice/photo input → transcribed and processed by AI models → credit score generated and stored → queried by partner institutions → verified lending decisions. All data encrypted, isolated per tenant, auditable.
Security & Compliance
Enterprise-grade encryption in transit and at rest. Multi-tenant data isolation. Role-based access controls. Designed for financial services compliance (CBN, SEC ready).
Scalability & Performance
Elastic compute for planting season spikes. Managed model hosting eliminates GPU cluster overhead. Sub-100ms API latency for credit queries. 99.99% uptime target.
Market Opportunity
Africa's agricultural credit gap is estimated at over ₦1.2 trillion. We're building the trust layer that enables it.
Smallholder Farmers
Primary users (free tier)
Microfinance Banks
API subscription + per-query fees
Agribusinesses
Input credit decisioning
Crop Insurers
Risk scoring for premiums
Launch Strategy
- 1Partner with agricultural cooperatives in Oyo/Ibadan region
- 2Integrate with 2-3 leading MFIs in Nigeria
- 3Onboard 500+ farmers in pilot phase (target: 6 months)
- 4Expand to Ghana, Kenya, Rwanda by end of Year 2
Revenue Model
- B2B2C: Free for farmers, subscription for lenders
- API usage fees: ₦50–200 per credit query
- Input credit facilitation: 1–2% transaction fee
- Insurance premium optimization: Partner revenue share
Traction & MVP Status
We're being honest about where we are and where we're headed.
MVP Status
In Development
Farmers Engaged
500+ (Target)
Lender Partners
2 (Target)
Pilot Timeline
6 Months
MVP in development: WhatsApp-based data collection and scoring engine currently in build. Early conversations underway with agricultural cooperatives in the Ibadan region for pilot onboarding. Beta goal: onboard 500 farmers and 2 lending partners within 6 months of launch.
Quarterly Roadmap
Phase 1: MVP
ActiveNow
- WhatsApp data collection interface
- AI transcription & scoring pipeline
- Farmer dashboard (beta)
- Baseline credit scoring model
Phase 2: Pilot
Q3-Q4 2026
- Cooperatives in Oyo State onboarding
- First lender API integration
- WhatsApp bot refinement
- Initial model retraining
Phase 3: Expand
Q1-Q2 2027
- Computer vision crop health module
- Expansion to Lagos, Ondo states
- Satellite data integration
- 2+ additional lender integrations
Phase 4: Regional
Q3 2027+
- Ghana & Kenya market entry
- Insurance partner integrations
- Market price intelligence layer
- Native mobile app launch
Our Team
Building a credible technical team to solve one of Africa's biggest financial problems.
Tope Fasasi
Founder & Head of Business
Multi-venture founder with 10+ years building AI products in agri, health-tech, and legal services across Africa. Previous co-founder of AgriInnovate, which reached 50K+ smallholder farmers.
LinkedIn
Chikamsi Fortune
Technical Lead (AI/Backend)
Senior ML and backend engineer with production experience building AI and voice-driven systems. Leads the technical architecture behind Agrostil's credit scoring engine, with a focus on financial inclusion in emerging markets.
Matthew Chinda
Product/Operations Lead
Product and operations leader with a track record scaling pilot programs and partnerships across agriculture and fintech. Focused on turning cooperative and MFI relationships into repeatable, on-the-ground operations for Agrostil.
We're hiring founding team members across AI, product, and partnerships.
Join Our TeamReady to Transform Agricultural Finance?
Request a demo, join the waitlist, or reach out to discuss partnerships.
khalid.rasheed@agrostil.site
+234 (080) 6140-3782
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