AGRICULTURAL CREDIT INFRASTRUCTURE
The AI infrastructure that makes African agriculture financeable.
Wakama helps MFIs / SFDs, banks, insurers and agricultural programs turn farmers, plots and field signals into readable, scored, monitored and auditable files.
Wakama workflow
From field data to a committee-ready file
Onboard
Score
Monitor
Report
Proof
Verified KYC
Plot
Geolocated plot
Output
Committee sheet generated
Agricultural credit does not only lack capital. It lacks evidence.
Institutions want to serve agriculture at scale, but every file requires field work, documents, verification, monitoring and risk interpretation that few teams can industrialize alone.
01
Field work is expensive
Identifying, visiting, verifying and monitoring dispersed farmers requires time, teams and travel.
02
Data remains fragmented
KYC, plots, cooperatives, weather, documents and farmer history rarely arrive in a usable format.
03
The committee lacks evidence
A credit committee needs a clear, comparable and reviewable file, not only field intuition.
From field reality to credit committee, Wakama builds the evidence.
We collect, verify, score, monitor and document agricultural files. Your institution keeps the credit policy, committee and final decision.
Governance retained
Wakama prepares the file. The institution keeps the decision.
Onboard
KYC, documents, cooperatives and verified GPS plots.
Score
Explainable, AI-assisted and non-decision agricultural score.
Monitor
NDVI, weather, IoT, alerts and campaign monitoring.
Report
Committee files, institutional dashboards, API and audit trail.
Institution dashboard
An agricultural file ready for committee.
Field signals become a readable file: identity, plot, score, evidence, alerts and justification.
Wakama Score
Consolidated reading of field signals and available evidence.
Final decision remains with the institution.
90-DAY PILOT
Start small. Prove fast. Decide what comes next.
A Wakama pilot lets your teams test data quality, file completeness, processing cost and the ability to operate a structured agricultural portfolio.
90 days
Controlled pilot cycle
100–300
Limited agricultural portfolio
6 deliverables
Data, score, file, dashboard, reporting
Final decision
Always retained by the institution
90-day pilot
Low friction, fast proof and a clear decision point on whether broader deployment is justified.
Plan a pilotNot ready for a pilot yet? Start with an AgriCredit diagnostic.One infrastructure. Three ways to create value.
Wakama Services is the entry point: field execution, verified data and usable files. Wakama Score and Wakama Insurance extend that value into risk, APIs and agricultural insurance.
Core offer
Reduce field costs
Onboarding, KYC, plot verification, scoring, documentation and monitoring to make agricultural portfolios usable.
See the pilotScoring layer
Make risk readable
An explainable agricultural score powered by field signals, documents, plots and campaign data.
Insurance layer
Prepare agricultural insurance
A data layer for plots, weather, NDVI, claims and campaign risk monitoring.
Sensitive infrastructure requires more than software.
Wakama combines information security, data integrity and technology partners to build a credible foundation for regulated institutions.
Information security
ISO/IEC 27001 program engaged with AQC. ISO/IEC 27001 certification in preparation.
Data integrity
Solana integrity layer reinforces traceability, auditability and integrity proof.
Infrastructure partners
UP42, Airbus, Solana Foundation and AQC strengthen the data, satellite, security and audit chain.
Trust layer
Different references, one requirement: make agricultural data usable and verifiable.
EMBEDDED AI
Idjor turns field signals into explainable risk insight.
Idjor is not a separate chatbot. It is Wakama’s embedded AI agent that summarizes files, detects risk signals, extracts useful evidence and prepares a clear reading for credit teams.
File reading
EMBEDDED AI AGENT
Farmer file summary
Farmer profile
Cocoa farmer, 3.2 ha geolocated, active cooperative, complete KYC.
Risk signals
Production outlook is consistent, weather exposure is moderate, plot evidence needs review.
Point proposed for review
Review plot evidence, then prepare the file for committee with Wakama Score. The score informs the institution’s review; it never replaces the final decision.
Compliance notes
Final decision remains reserved to the institution. Documentary trail consolidated.
What if your next agricultural files arrived already structured?
Frame a limited Wakama pilot and measure, in real conditions, data quality, score readability and your team’s ability to operate a documented agricultural portfolio.