UbuntuScore
A farmer-centric digital trust infrastructure: credit scoring, marketplace, escrow, and loan management built for smallholder farmers and the institutions that serve them.
“The farmer is not a debtor. They are a supplier with a harvest-backed trust identity.”
Platform features
A complete digital infrastructure replacing informal credit with data-driven trust for millions of smallholder farmers.
Credit Scoring
Data-driven 300-850 credit scores for smallholder farmers with no traditional credit history. 8-layer scoring model with AI-assisted analysis.
Escrow Marketplace
Secure buyer-seller transactions with platform-managed escrow. From listing to delivery with full state-machine tracking.
Loan Token System
QR/token-based loan disbursement through partner banks and cooperatives. Admin-approved, harvest-backed lending.
USSD & Voice Access
Reach every farmer through USSD menus and IVR voice calls. Multi-language support in English, Hausa, Igbo, and Yoruba.
Cooperative Management
Warehouse receipts, agent workflows, cooperative loan pools, and off-taker contract management at scale.
Reporting & dashboards
PDF score reports, transaction histories, and admin dashboards for lenders, cooperatives, and oversight bodies.