Antugrow

Antugrow is a Kenyan agricultural fintech that builds credit records for smallholders from satellite imagery and on-chain credentials, serving cooperatives, microfinance lenders and funders willing to buy farm receivables. Smallholders keep no formal books, so banks see only risk and price accordingly, while yield data sits in collection records and recollection and cannot support underwriting. Antugrow aggregates cooperatives' daily collection records under anonymised identifiers and cross-checks plot size, crop vigour and farm activity against satellite passes roughly every five days, producing verifiable credentials and an agricultural score that lenders use to advance funds recovered at harvest.

The front end runs in three stages: SmartShamba advises on varieties, input costs and pest risk, the Diary logs farm work and spending, and Shambani shows the score and a pre-qualified limit. Identity and credentials sit on NEAR and Base respectively, and scores are matched to liquidity through UTU pools. Operations centre on Kenya, and credit quality depends on how complete cooperative records are and how often satellites pass overhead.