Upfront capital
Precision technology and better inputs pay off over seasons, but farmers are asked to pay for them before the first one.
Resilient Agriculture as a Service
Better farming, paid for by the harvest it creates.
RAaaS lets farmers adopt modern agricultural technology without upfront capital. Partners pre-finance a complete production package; the farmer contributes land and labour; repayment and the extra profit are shared after the harvest is sold.
Providers are paid only when the work is done in the field. We call it pay as you grow.
1Compare & choose
2Pay & plant
3Harvest & settle
01Why it is needed
The technology exists. Paying for it up front is the problem.
Volatile input costs
When fertiliser and fuel prices rise, farms cut inputs or planted area, and output falls with them.
Static lending
Credit still rests on historical yields and hard collateral, not on verified data about how a farm is actually performing.
02Before the first click
Join by invitation, bring the farm's history along.
Farmers join through a waiting list and invitations. Once checked, an AI assistant of their choice, with no exclusivity, imports the records they already keep in spreadsheets or shared drives, so nobody re-types their history.
03RAaaS for Farmers
Three clicks to a financed season.
One platform, like a ride app for farming. The farmer picks a track the way you pick a standard, electric or premium ride, compares and chooses inputs, technology and finance, pays now or after the harvest, and settles against the future crop. The platform is global; the rules, currencies and instruments stay local.
Pay as you grow.
A ride app commits the rider's money at booking and pays the driver after the trip. RAaaS does the same with every input and service: the money is committed when the farmer orders, and released only when the work is confirmed.
04On call
Providers on call, finance that fits the country.
Input suppliers, technology companies and service providers register to be on call for farmers. Some own what they deliver and some distribute it, just as some ride drivers own their car and some do not.
Large providers
Packages per track, per hectare
Seed, crop-protection and fertiliser companies offering complete packages for each farming track.
Small providers
One tractor is enough
Local contractors and equipment-sharing services. In Africa, Hello Tractor has proven tractor-on-demand: a sharing platform that has worked with IFC, whose founder, Jehiel Oliver, is a finalist for the 2027 Schwab Foundation Awards for Social Entrepreneurs.
Three ways to finance the season.
The farmer only sees the routes that are legal where they farm. All three are secured by the future crop.
1
Agrarian Notes and CPRs
Where the law provides them, such as Agrarian Notes in Ukraine or the CPR in Brazil, the farmer issues a registered note against the future crop. Warehouse receipts can play the same role after harvest.
2
Harvest tokens
Where digital securities are permitted, the farmer issues security tokens on the future harvest, valued in a Swiss-franc stablecoin. Providers that accept them are paid in them.
3
Pay at harvest
Where neither exists, a fintech partner checks creditworthiness and pre-finances inputs, like buy-now-pay-later at checkout. The term is one harvest, not one month, stated clearly up front.
Risk cover, built into the season.
Insurance and guarantees protect the farmer, the providers and the financier against the risks a single season carries.
1
Parametric cover
Pays out automatically when measured rainfall or temperature crosses an agreed threshold. No loss adjuster in the field, so the money arrives quickly.
2
Input-linked cover
Bundled with the seed or crop-protection purchase. In Ukraine, Syngenta and the insurer INGO run WeatherProtection, which paid UAH 245.9 million to 739 farms after the 2025 season's drought and heat.
3
Credit guarantees
A guarantee fund covers part of the lender's loss. Ukraine's Partial Credit Guarantee Fund in Agriculture, backed by the EU and the World Bank Group, guarantees 50% of loans to farms of up to 500 ha.
Paid through rails people already use, for example
PIX · BrazilTWINT · SwitzerlandMobilePay · DenmarkApple PayPayPalPay-later fintechsBank transfer
05Behind the three clicks
A closed loop, each season building on the last.
A country pool funds the season, providers deliver on call, field data verifies each job, and the harvest settles the claim. Farmers, providers and financiers all pay and get paid inside the same system. Hover or tap a step, or let the cycle run.
06The model
Who pays, and when.
The same season, financed two ways. Flip between them.
A worked example.
The season is funded the way some restaurant financiers work: capital now, repaid in credit worth more than the capital. Here the credit is a claim on the harvest, and the margin above the funding protects the financier.
07Local rails
One platform, local rails.
RAaaS does not invent new money or new law. In each country it plugs into the payment rails and harvest instruments that already exist, and adds planning, monitoring and verification around them.
| Country | Instant payment | Escrow held by | Settlement against the harvest | Status |
|---|---|---|---|---|
| Ukraine | Bank transfer through a partner bank, in UAH | Partner bank or trusted partner | Agrarian Notes, registered with the National Depository of Ukraine | Pilot in preparation |
| Brazil | PIX, in BRL | Bank or licensed payment institution | CPR (Cédula de Produto Rural), Brazil's established harvest-backed note | Partner interest |
| Switzerland | TWINT or bank transfer, in CHF | Swiss bank or licensed custodian | Security token on the future harvest, valued in a CHF stablecoin, under Swiss DLT law | Proof of concept, platform home |
| Serbia and one EU country | Local instant rail | Partner bank | To be assessed: warehouse receipts, tokens or pay-at-harvest credit | Candidate pilots, subject to funding |
| Other markets | Local instant rail or a regulated stablecoin | Licensed custodian, or smart-contract escrow where permitted | A token representing a claim on the future harvest, where local law allows | Assessed per country |
Already exists
Tokenised stored grain
Grain delivered to storage becomes a token the farmer can spend or borrow against. It helps after the harvest, but not with paying for the season that grows it.
Starts after harvestWhat is new
RAaaS for Farmers
The future harvest finances the season that grows it: choice of inputs, technology and finance, escrowed payment, and settlement against a registered harvest claim, in one place and across countries.
Starts before plantingBuilt on existing infrastructure
In Ukraine, RAaaS financing runs on Agrarian Notes: registered, enforceable claims on a future harvest, administered by the National Depository of Ukraine. RAaaS adds production planning, monitoring and verification around them, without a new financial instrument and without changes in law.
08Capital is already moving
Investors are funding this transition. It needs a way onto the farm.
In April 2026 Banco do Brasil, Latin America's largest agribusiness lender, issued its first nature bond. The proceeds go to nature-positive agriculture: recovering degraded land and pastures, soil restoration, low-carbon farming and sustainable irrigation.
US$500Mraised
5xoversubscribed, US$2.5B in orders
5.625%coupon
2031maturity
Capital like this needs proof on the ground. RAaaS can be the origination, onboarding and monitoring layer that puts it to work on individual farms: baseline analysis, per-farm roadmaps, field-level traceability and guaranteed offtake, the evidence bond investors ask for.
Each country operator draws on a pool of funds to pre-finance seasons, ideally backed by existing green, nature-linked or regenerative-agriculture finance from banks and development institutions.
Source: Banco do Brasil market notice, April 2026. Shown as market context; not a RAaaS transaction.
300Mfarmers by 2030
World Bank Group · AgriConnect
Every farmer on RAaaS counts toward the 300 million.
AgriConnect aims to help 300 million smallholder and family farmers move from subsistence to surplus by 2030, with better access to finance, markets and digital tools. That is what RAaaS delivers on each farm, so every farmer who uses RAaaS is one more farmer toward the goal.
Source: World Bank Group, AgriConnect Implementation Plan FY26-31.
09Principles
Three A's.
AI-driven
Farm and field data inform decisions on inputs, technologies, practices, financing and risk, with less paperwork for the farmer.
Affordable
No significant upfront capital. Repayment is matched to the farm's own cash flow, after harvest.
Agro-restoration
Every transaction should leave the farm's natural capital better: soil, water, biodiversity and long-term resilience.
10Who it's for
Aligned incentives along the whole chain.
Every side gets a reason to join, and the farmer stays free to choose. No provider gets exclusivity.
Farmers
A financed season without upfront capital, chosen in three clicks on the phone they already use, with repayment matched to harvest cash flow. The farmer stays the principal beneficiary.
Input and technology providers
New customers who could not pay up front, with payment guaranteed through escrow once the work is confirmed in the field.
Banks and investors
Exposure backed by a registered claim on the harvest and by verified in-season data, rather than static assumptions.
Food companies
More reliable supply, with traceability of primary products back to the field they came from.
11From field to shelf
Knowing not just where food came from, but how it was grown.
Field data, the inputs and technologies used, and the outcomes achieved travel with the product.
12The path
Born in Ukraine, raised in Switzerland, made global.
Ride-hailing and home-sharing each started in one city before going global. RAaaS starts with a small set of pilots, and stays open: no exclusivity for any provider, financier or technology partner.