Micro-insurance, cooperative lending, and climate-smart crop finance — purpose-built for smallholder farmers, rural cooperatives, and agri-finance institutions across East Africa and the Global South.
CAFF™ bridges the critical gap between informal smallholder agriculture and formal financial services. By combining cooperative savings groups, weather-indexed micro-insurance, and digital crop-credit scoring, CAFF™ makes agricultural finance accessible without a bank account or smartphone.
Fully integrated with AgriNexus™ for farm-to-market data flows, and KaziNexus™ for labour and seasonal hiring finance — CAFF™ sits at the heart of the Atine Labs™ rural ecosystem.
Each module works independently or as part of the full CAFF™ stack — deployable by cooperatives, MFIs, government agencies, or NGOs.
Weather-indexed, parametric insurance policies triggered automatically by satellite rainfall and temperature data — no claim forms, instant payouts.
Alternative credit scoring using farm size, yield history, cooperative standing, and seasonal calendar — not bank statements.
Digitalise SACCO and cooperative savings groups — member contributions, loan books, dividends, and governance records on a single auditable platform.
Farmers apply for input credit, emergency loans, and insurance cover via USSD on any feature phone — no internet, no app required.
Real-time climate risk indicators, seasonal forecasts, and drought/flood alerts integrated directly into lending and insurance underwriting workflows.
Loan disbursements and insurance payouts routed directly to farmer mobile-money wallets via MTN, Airtel, and M-Pesa integrations.
Real-time dashboards for lenders and DFIs — arrears tracking, repayment heatmaps, crop performance overlays, and impact reporting by region.
Link farmers directly to certified agro-input suppliers — seed, fertiliser, and tools financed at point of purchase and repaid at harvest.
Record standing crops, livestock, and warehouse receipts as collateral — legalised, searchable, and linked to national land registries where available.
Track and tokenise carbon sequestration, soil health improvements, and biodiversity actions — enabling smallholders to access voluntary carbon markets.
Lightweight KYC for rural contexts — national ID, cooperative membership card, or biometric fallback — meeting MFI and DFI regulatory requirements.
Field agents and cooperative officers can onboard farmers, process applications, and record repayments offline — data syncs automatically when connectivity resumes.
From cooperative enrolment to harvest-time repayment — the full CAFF™ journey.
Farmer or cooperative joins via USSD, mobile app, or field agent
Alternative credit score generated from farm and cooperative data
Lender or DFI approves credit and micro-insurance bundle in minutes
Funds reach farmer mobile wallet or input supplier within hours
Harvest-linked repayment schedule; insurance auto-triggers on crop loss
CAFF™ is designed for the realities of rural East Africa — where smartphone penetration is low but mobile-money adoption is high. Our USSD gateway provides full access to loan applications, insurance registration, and repayment on any basic handset.
Sample USSD session — actual codes assigned per operator/region
CAFF™ does not operate in isolation — it shares data, identity, and workflows with every major platform in the Atine Labs™ rural and development stack.
Farm registry, crop yield data, and market price feeds flow directly into CAFF™ credit scoring and insurance triggers.
Seasonal labour finance — harvest workers access wage advances, and employers access payroll-linked crop credit through CAFF™.
Market linkages from FoodBridge™ inform CAFF™ harvest-price forecasts, reducing lending risk and improving repayment rates.
CAFF™ finance outcomes feed directly into AtineImpact™ M&E dashboards for donor reporting, SDG alignment, and portfolio impact scoring.
Cooperative digital ledgers from CAFF™ sync with AtineCoop™ governance and membership management tools for full-stack cooperative management.
Farmer identity, collateral registry, and transaction audit trails are anchored in AtineTrust™ for tamper-evident, verifiable financial records.
Access crop credit and insurance on a basic phone — no bank account or collateral required.
Digitalise savings groups, manage loan books, and access wholesale finance facilities through a single platform.
Deploy a white-label CAFF™ stack to digitise your rural lending portfolio, reduce default rates, and automate compliance.
Reach last-mile beneficiaries with verified disbursement, real-time portfolio monitoring, and donor-grade impact reporting.
Whether you are a cooperative, an MFI, a development finance institution, or a government agency — CAFF™ can be deployed and customised for your context.