- L1 Access
- L2 Productivity
- L3 Finance
- L4 Market
Insurance, credit, market access and AI advisory — on the only phone a farmer owns. Dial *384# from any GSM handset, no data plan required.
Built through Climax Green Limited · Serving cooperative farming communities across Africa
AgroFuxion
Welcome back.
1. Insurance
2. My wallet
3. Apply for a loan
4. Marketplace
5. AI advisory
>_
English · Hausa · Yorùbá · Igbo · Nigerian Pidgin
10
integrated products
4
layers, one identity
5
languages on USSD
Any
GSM phone — no data plan
- USSDWorks on any handset
- NDPA 2023Consent, export and erasure
- Double-entryEvery movement balanced
- Hash-chainedTamper-evident records
- EUDRDeforestation declarations
- NairaSettled in local currency
One system. Four layers. Every farmer covered.
Each layer builds on the one below: access first, then productivity, then finance, with the market on top. The same identity, wallet and cooperative relationship everywhere.
- L1
Access
USSD · Agent network · Custodial wallet
The farmer reaches the system on any GSM phone. Super Agents handle cash and identity in person. Every transaction settles to the ledger in seconds.
- L2
Productivity
Farm management · Land register · AI advisory
GPS polygons, crop calendars, input logs and yield records make the invisible farm visible. Grid weather tracks soil moisture and rainfall at the farm itself.
- L3
Finance
Parametric insurance · Lending · Group savings
Policies pay automatically from measured weather triggers. Loans are underwritten from farm data and de-risked by the insurance beneath them.
- L4
Market
Marketplace · Supply-chain traceability
Ledger-backed escrow connects cooperatives to processors and exporters. Provenance records satisfy EUDR, and premia flow back to the farmer.
Access enables productivity informs finance de-risks the market pays better
10 integrated products. One cooperative record.
A farmer who uses them across a season builds a verified history that makes each following season cheaper, safer and more profitable.
- L1 · Access
USSD interface
Dial *384# on any GSM phone — no smartphone, no data plan. Menus for insurance, loans, the marketplace and the wallet, in English, Hausa, Yorùbá, Igbo and Nigerian Pidgin.
- L1 · Access
Agent network
Trained Super Agents inside each cooperative handle cash-in, cash-out, registration and in-person identity checks — the human layer that makes digital money real.
- L1 · Access
Custodial wallet
A Naira wallet tied to the farmer’s phone number and PIN. No seed phrases, no app. Every movement is a double-entry ledger posting, reconciled against the balance.
- L2 · Productivity
Farm management
GPS boundary capture, crop calendars, input logs and yield records — the verified farm history underwriters, lenders and buyers can rely on.
- L2 · Productivity
Land register
Cooperative-attested land records on a tamper-evident, hash-chained register — soft collateral, an insurance trigger location and EUDR evidence without formal title.
- L2 · Productivity
AgroFuxion AI
Weather read at each farm’s own coordinates — soil moisture, rainfall and evapotranspiration on a fine grid — turned into plain advice on when to plant, fertilise, weed and harvest.
- L3 · Finance
Parametric insurance
Weather-indexed cover evaluated automatically against measured rainfall and drought indices. No loss adjuster, no claim form — the data decides the payout.
- L3 · Finance
Lending
Input, working-capital and harvest finance underwritten from farm data, repaid automatically from marketplace proceeds at harvest.
- L4 · Market
Marketplace
Cooperative-to-buyer trading with payment held in escrow, delivery confirmation and dispute resolution — every state change recorded in the ledger.
- L4 · Market
Supply-chain traceability
Provenance from farm polygon to end buyer, EUDR-ready export data, and sustainability premia that reach the farmer whose data carries the proof.
Built around how smallholders actually farm
The cooperative is the unit
Identity, cash and joint liability, delivered through people farmers already trust.
Advice from measured soil and weather
Aggregation buyers can verify
How a season works, end to end
A worked example: one smallholder, one hectare, one season, and how each part of the platform carries the next.
Step 1, March
Onboarding
A Super Agent walks the farm boundary, captures the GPS polygon and photographs the NIN slip. The custodial wallet is created.
Step 2, April
Insurance & inputs
A parametric drought policy is issued. An input-finance loan is paid directly to the agro-dealer. The AI sends a planting reminder.
Step 3, May – Aug
Cultivation
Weekly USSD prompts log activity. Measured rainfall and drought indices feed the insurance policy.
Step 4, Late Aug
Insurance trigger
The drought index is breached and the policy pays ₦50,000 automatically. The Super Agent provides cash-out within 48 hours.
Step 5, October
Harvest & sale
The cooperative lists 8 tonnes on the marketplace. A verified processor accepts; the loan is repaid from the proceeds and the rest reaches the farmer’s wallet.
Step 6, November
Data flywheel
A credit record, yield record and paid-claim history, all verifiable. Next season: a higher loan limit, a lower premium and better advice.
The flywheel: by the end of the season a farmer has a credit record, a yield record, a claim history and a supply-chain trace, each independently verifiable. Next season’s loan limit is higher, the premium lower and the advice more accurate. Every cycle, the platform knows the farm better.
The cooperative is the unit of delivery
AgroFuxion is built for farming cooperatives, not individual farmers. The cooperative provides identity, cash infrastructure, joint liability for loans and the aggregated volume that makes marketplace trading viable.
- Onboard every member in one registration drive with your Super Agent
- Aggregate produce into listings large enough for industrial buyers
- Co-sign loans as a group — lowering individual risk and the cost of capital
- Run group savings circles with automatic contribution and distribution
- Export EUDR-ready provenance records for the whole cooperative
- Track agents, float, commissions and disputes from one dashboard
Your cooperative dashboard tracks
Members onboarded
Registration and identity status for every member
Policies in force
Cover, triggers and payouts per member
Loan book
Disbursed, repaid and overdue, by member
Produce aggregated
Tonnage pooled per crop and season
Agent float
Cash position and commissions per Super Agent
Trades & deliveries
Escrow, delivery confirmation and disputes
Buyer portal · sample trade
- Produce
- Cassava · Premium grade
- Volume
- 8 tonnes · Awgu Cooperative
- Provenance
- EUDR declaration attached
- Settlement
- Ledger-backed escrow
- Disputes
- Auditable arbitration
Verified produce. Payment held. Provenance proven.
Trade with cooperatives you have never visited. Your payment is held in escrow from agreement and released only on confirmed delivery, and every batch carries a provenance trail for EUDR and sustainability requirements.
- Find verified cooperative listings by crop, volume and location
- Payment held in escrow until delivery is confirmed
- EUDR-ready provenance export for each batch
- Forward contracts with deposit escrow for planting-season price certainty
Built on
Double-entry ledger
Every movement balanced · Reconciled against the ledger
Hash-chained audit log
Tamper-evident · Independently verifiable
Open-Meteo grid
Soil moisture · Rainfall · FAO-56 ET₀
National ID + SIM
Identity anchored per country
USSD over GSM
Any phone · No data needed
Ready to bring AgroFuxion to your cooperative?
Every cooperative starts with one Super Agent. We provide the training, the float, the onboarding kit and ongoing support. You bring the farmers.