Geospatial intelligence for agricultural credit
Wakama combines satellite imagery, field-surveyed plot geometry and cooperative history to produce credit files that are explainable, verified and monitored over time, for MFIs, banks, insurers and agricultural programs.
02 /The invisible problem
The challenge is not only access to agricultural finance. It is also having information reliable enough to assess the risks and follow the operations.
Farmer
Plot geometry
Boundary missing
Application form
Declared area
To be confirmed
Imagery
Vegetation series
No history
Cooperative
Cooperative statement
Not corroborated
Field agent
Field observation
Isolated, no location
Unified file
D-2026-0418 · P-021 · Maize
Plot geometry
Waiting to be reconciled
Declared area
Waiting to be reconciled
Vegetation series
Waiting to be reconciled
Cooperative statement
Waiting to be reconciled
Field observation
Waiting to be reconciled
1 point to confirm: declared yield
03 /Method
Every file follows the same path: observe, verify, analyse, then document and follow. Each step stays visible, from the first satellite image to the file handed to the institution.
Reading the data
0/7signals examined
Observe
01Observe
Satellite imagery, a boundary surveyed on site and the available sources are attached to the same plot.
02Verify
Each declaration is checked against the available evidence. Gaps and missing evidence stay visible.
03Analyse
Positive and negative factors add up in front of the analyst. Uncertain points are flagged for human review.
04Document
The institutional file is generated with its audit trail, then the plot joins portfolio monitoring.
04 /Wakama Score
The engine gathers a farmer’s data, checks it for internal consistency, then computes a score where every contribution is readable, sourced and open to challenge by a credit analyst.
File D-2026-0418 handed to the engine
Reading the data
7/7signals examined
Wakama Score
Synthetic file. The score only moves with the factors applied, not with scrolling.
DemoIdentity and KYC
Cooperative
Plot geometry
Field GPS survey
NDVI over 3 seasons
Satellite imagery
Rainfall
IoT station
Declared yield
Farmer
Repayment history
Cooperative
Geotagged photos
Field agent
Declared area vs measured geometry
4% gap · 10% tolerance
Declared crop vs NDVI signature
Consistent maize profile
Declared vs estimated yield
+18% · to confirm in the field
Photos inside the plot
6 of 6 geotagged
Duplicate plot
None in the portfolio
0 passed0 to confirm
Wakama Score
0/ 100
Decision support. Final decision: your committee.
File ready for committee
PDF + audit trail
Contribution balance
Favourable factors push the score right of the base, watch points pull it left. Select a factor to see its detail.
Watch points
0
Base
50
Favourable factors
0
50 +0 −0 =
50/100
Partial score
No factor selected.
Synthetic file. The illustrative score of 72/100 is an analysis aid: it is neither a default probability nor a credit decision.
Farmer, values and weightings are fictitious and shown for illustration. The actual methodology is documented and shared during the pilot.
Offers
Wakama Score is at the heart of the offer. Services / Verify provides the evidence, Monitor follows plots over time, and the insurance vertical observes the exposure of an area.
Wakama Score
Core offerA sourced score, consistency checks and the points to confirm, brought together in a file your committee can discuss.
Services / Verify
Collection, checks and corroboration, with an honest status for every item.
Monitor
Gaps to history and watches, after human review.
Insurance
As it maturesObservations and targeted checks for insurers, without doing their job.
No public pricing: each engagement is scoped to your perimeter after a first conversation.
05 /From satellite to field
The same plot is read through several sources. Each brings its own evidence, with its frequency and its limits, and all of them feed the same register.
Evidence register
D-2026-0418 · P-021
Collecting
Illustration on fictitious data. IoT sensors and drones are complementary sources, used depending on the mission: they are not deployed on every plot. The vegetation layer is simulated from the visible image.
06 /Wakama Monitor
After disbursement, Wakama follows every plot in the portfolio: vegetation compared with its historical median, qualified alerts and targeted checks, so the institution can act early.
From plot to portfolio
The checks applied to P-021 extend to the 8 plots of the demo portfolio, 30.4 ha in total.
Field-surveyed geometry
Current season
Latest pass
0 alert · 1 watch
Plots8
Current-season NDVI · P-027
Alerts1 open
Portfolio, series and alerts are fictitious, shown for demonstration purposes.
07 /For institutions
Wakama Score remains the core of the offer. Around it, each institution receives the views and deliverables suited to its decision.
Documented files for the committee, with an explainable score and points to confirm clearly flagged.
Views and deliverables
Committee note
DemoCommittee note · demo
D-2026-0418 · P-021 · Maize · 4.8 ha
72
Grade B
1 point to confirm: declared yield
Decision: the institution’s credit committee. Wakama does not lend and does not decide.
08 /Command Center
Acquisition, field observations, vegetation, checks, score, file and monitoring: the full sequence replays here on a demo portfolio. Every element can be explored.
Wakama · Agricultural Intelligence Command Center
Season 2026 A · demo cooperative · 8 plots
Vegetation · P-021
Fictitious portfolio, events, scores and series, consistent with the other demos on this page. Vegetation layer simulated from visible bands. No client data.
09 /Ways to use it
An institution can start with a limited scope, then widen use at its own pace. Each step produces deliverables that are useful without waiting for the next one.
What you receive · 01
An institutional file: explainable score, checks, sourced evidence, points to confirm.
What it takes on your side · 01
The farmer’s information and access to the plots concerned.
To get started · 01
A first file, to judge the quality on real material.
How Wakama connects with your tools (exports, connections, interfaces) is scoped with your teams, according to your needs and technical availability. No integration is required to start.
10 /Trust and methodology
Every piece of information keeps its origin, status and date. Limits are flagged rather than hidden, and the decision stays human.
Evidence file
D-2026-0418 · P-021 · timeline
Fictitious timeline. The evidence identifiers illustrate the traceability principle.
11 /FAQ
Short answers. To go further, our team walks you through the method on your own cases.
No. Wakama does not lend and does not decide. We provide analyses, an explainable score and documented files. The credit, insurance or funding decision always belongs to the institution.
Next step
Show us a portfolio, a value chain or a typical file. We will show you what Wakama can document, verify and follow.
No commitment
