A modular service mesh delivering payments, insurance, credit, logistics, warehousing, and compliance. Not six vendors. One system where every service makes every other service better. Payments first, everything else loads on demand.
Each agent handles a critical operational service. They communicate through an A2A protocol — when one acts, the others respond automatically.
Instant mobile money settlement across 15+ currencies
M-Pesa, MTN, Airtel, Orange, and bank transfers across 15+ currencies. Instant settlement to farmer's mobile money.
Parametric coverage with automatic payouts
Parametric coverage triggered by satellite data — drought, flood, pest, temperature. Automatic payouts before loss materializes.
Farm performance-based credit, not collateral
Builds creditworthiness from farm performance, not collateral. Progressive credit limits and input financing via WhatsApp.
GPS-tracked transport with route optimization
GPS-tracked transport with temperature and humidity monitoring. Optimized routes and automated carrier matching.
Auto-generated export and regulatory documentation
Auto-generates export permits, phytosanitary certificates, and KYC/AML documentation for 12+ markets.
Member accounts, dividends, and group savings
Manages member accounts, dividend distribution, and group savings (Chama/SACCO). Transparent financial reporting.
Electronic warehouse receipts as tradeable collateral
Tracks inventory, monitors storage conditions, and generates electronic warehouse receipts that serve as tradeable collateral.
Auto-enforced contracts with dispute resolution
Generates and executes contracts with auto-enforcement. Built-in dispute resolution for both parties.
Discover and auto-apply for grants and subsidies
Discovers and auto-applies for government subsidies, NGO grants, and carbon credits. Matches farm profile, crop type, location, and compliance data against grant databases. Pre-fills applications and tracks status. Farmer confirms before submission.
Land tenure, contract review, dispute arbitration
Verifies land tenure status, reviews contracts, handles dispute arbitration, and ensures regulatory compliance across jurisdictions. Connects to national land registries and legal databases.
"When the drought hit, the money was in my M-Pesa before I even filed a claim."— Peter O., Nakuru
Start with payments. Add services over time. Each one makes the others better.
Farmers use WhatsApp. Managers use a progressive web app. Partners connect via API. Everyone gets exactly what they need.
Payment confirmations, insurance alerts, credit offers, pickup confirmations. All in your language with simple reply actions.
Member accounts, collective revenue, savings group dashboard, warehouse inventory, compliance status, dividend tools.
Payment tracking, logistics monitoring, settlement history, compliance documentation.
Portfolio-level risk data, payout triggers, claim-free monitoring, satellite verification feeds.
Credit scoring data, repayment tracking, portfolio analytics, default prediction models.
Available shipments, route assignments, delivery confirmations, cold chain monitoring.
"The grant agent found me a government subsidy I had no idea existed. It covered half my sensor costs."— Anne W., Trans Nzoia
Ecosystem generates and consumes data across four major streams, all compounding into better services.
Payment flows, settlement times, volumes across all services.
Rainfall, flood, drought, and temperature triggers for parametric insurance.
Yield data, quality scores, input usage flowing in from Brain.
GPS position, temperature, humidity during transport via IoT on vehicles.
Ecosystem enables every trade, every payment, every insurance claim across the entire platform.
Credit enables farmers to invest in better inputs. Insurance data improves risk models. Brain's data powers credit scoring and insurance triggers.
Payment infrastructure enables instant trade settlement. Warehouse receipts create tradeable inventory. Every Market transaction flows through Ecosystem.
Financial, logistics, and insurance data reveals economic patterns for research. Labs returns better risk scores and credit models.
We handle everything: mobile money integration, insurance enrollment, credit activation, and compliance setup. Start with payments on day one — add services as you grow.
Apply for the Watoko Grant Program — subsidized hardware, free onboarding, pay-as-you-grow pricing for smallholder farmers.
Ecosystem supports 15+ payment methods including MTN MoMo, Airtel Money, Orange Money, and traditional bank transfers. We work with the payment infrastructure available in your region. If you have any mobile money account, you can receive payments.
Traditional insurance requires you to file a claim, provide evidence, and wait for assessment. Parametric insurance uses satellite and sensor data to detect events (drought, flood, extreme temperature) automatically. When conditions trigger the policy parameters, payouts are sent to your mobile money — often before you even notice the damage. No paperwork, no adjusters, no delays.
Credit limits start conservatively and grow with your track record. Initial limits cover basic input financing (seeds, fertilizer). As Brain captures more farm performance data and you build trade history on Market, limits increase progressively. Most farmers see significant limit increases within 2-3 seasons.
Your financial data is encrypted and never shared without your explicit consent. Credit scoring uses anonymized farm performance data, not personal financial details. You control exactly what data is visible to lenders, insurers, and other parties. See our Security section for details.
Yes. Cooperative Finance Agent manages group accounts at the cooperative level. Individual members benefit from aggregated trades and group insurance without needing individual accounts. However, individual sign-up unlocks personal credit scoring and direct mobile money payments.
End-to-end encryption for all data. AES-256 at rest, TLS 1.3 in transit. Your farm data is never exposed.
Farmers own their data. Export or delete anytime. No lock-in, no hidden data monetization.
Anonymization before any research use. GDPR-compliant processing. Consent-first approach to all data sharing.
Annual audits, strict access controls, documented incident response. Enterprise-grade security for every farmer.
Data stored in-region on AWS Africa (Cape Town) and Nairobi. Your data stays close to home.
Every AI decision is logged, traceable, and explainable. Full transparency on what the agents do and why.
Payments, insurance, credit, logistics, warehousing, compliance — all connected through one intelligent agent mesh. Stop managing six vendors. Start running one system.
See a demo →Book a personalized demo and discover how Watoko can transform your agricultural operations.
"Watoko replaced five different tools we were using. Now everything — field data, trading, payments — lives in one place."— Agricultural Operations Manager
We'll be in touch within 24 hours to schedule your demo.