Every service a farm, cooperative, or agribusiness needs — payments, insurance, credit, logistics, warehousing, accounting, legal, HR — delivered through one engine. Each agent sits on top of a partner service. Partners bring the licenses and the balance sheets. We make them AI-native, farmer-accessible, and connected to every other service on the platform. Insurance grounded in field data. Credit scored on farm health. Every service grounded in real biology — not estimates, not collateral.
Each agent sits on top of a partner service — a bank, an insurer, a logistics provider, an accounting firm. The partner brings the specialized capability. The agent makes it AI-native: agentic, farmer-accessible, and A2A-connected to every other service on the platform. When one agent acts, the others respond automatically through a shared protocol.
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 biological data and satellite imagery — soil biology shifts, canopy stress, pest pressure, drought, flood, temperature. Automatic payouts before loss materializes.
Farm performance-based credit, not collateral
Builds creditworthiness from biological health indicators — soil condition, canopy vigor, yield trajectory — not collateral. Progressive credit limits and input financing via WhatsApp.
GPS-tracked transport with condition monitoring
GPS-tracked transport with temperature and humidity monitoring — preserving biological integrity from field to port. Cold chain for bioactive material, not just perishables. 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.
Books, ledgers, and tax filings — run through accredited accounting firms
Every transaction a cooperative makes — sale, purchase, payroll, loan, grant — flows directly into a proper double-entry ledger. Monthly reports, tax filings, audit trails, and statutory compliance generated automatically. Backed by accredited accounting firms on the Watoko network who take on edge cases and sign off on audited statements. A real finance function for a cooperative that never could have afforded one.
Worker onboarding, payroll, benefits, and labor compliance
Onboards permanent staff and seasonal workers. Runs payroll in local currency to mobile money on payday. Tracks hours worked, crops picked, and performance. Handles labor-law compliance, statutory deductions, and benefits enrollment in partnership with accredited HR firms. Gives farm workers — often invisible in the formal economy — a verifiable employment record for credit, insurance, and pension.
Continuous quality control across every partner in the network
Every partner — bank, insurer, logistics provider, accounting firm, HR firm, legal firm — is qualified on entry and monitored continuously. Tracks SLA performance, farmer satisfaction, dispute frequency, payout speed, and regulatory standing. Flags partners that drift out of standard. Rewards partners that compound the network. The reason a smallholder farmer can trust every service that reaches her through Watoko — because we've already stress-tested the firms behind them.
"The drought hit on a Tuesday. By Wednesday morning the payout was in my M-Pesa. I never filed a claim. I never called anyone. The system saw the same satellite data the insurer saw, and it paid — automatically, before the loss even materialized."— Peter O., Maize farmer · Nakuru, Kenya
Specialist partners bring the capability. Watoko brings the intelligence layer, the farmer relationships, and the distribution. Together we build the operating system neither side could build alone.
Most software companies sell partners AI. Watoko becomes their distribution. Any qualified partner — a bank, an insurer, a logistics provider, an accounting firm, a legal firm — plugs into a five-layer infrastructure that turns a legacy service into an autonomous agent, farmer-facing, language-native, A2A-connected, and compounding with every other service on the platform.
Every partner service is wrapped as an autonomous agent with its own tools, memory, and policies. The partner keeps their core system. We turn it into something a farmer can talk to in Swahili over WhatsApp — or something another agent can call programmatically.
Every agent reads from and writes to the same living dataset — farmer identity, farm telemetry, transaction history, biological observations. The insurance agent sees what the credit agent saw. The accounting agent sees what the logistics agent saw. Context stops being a per-vendor privilege.
Agent-to-agent messaging is the default, not the exception. When a trade settles on Market, the Payments Agent calls the Accounting Agent calls the Credit Agent calls the Insurance Agent — autonomously, in milliseconds, without a human orchestrator. Partners arrive as islands. They leave as a mesh.
Watoko brings the relationship. A farmer who already trusts Brain for planting advice meets their new insurer through the same interface, in the same language, on the same phone. Partners reach smallholders and cooperatives they would never have reached alone, through a channel they wouldn't have known how to build.
Every partner shares in the upside they help create — not as a license fee, but as a percentage of activity they caused. The Partner Quality Agent monitors SLA, fee drift, default rates, and farmer outcomes continuously. Partners who raise the quality of the network keep more of the upside. Partners who don't get flagged, re-scoped, or replaced.
A bank that integrates with Ecosystem doesn't just get access to new customers — it inherits the entire intelligence stack. Its credit decisions are sharper because Brain's biological telemetry feeds them. Its default rates drop because Labs' climate models de-risk them. Its growth is priced in farmer outcomes, not origination volume. The partner and the platform get better together, on every cycle.
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, biological and satellite verification feeds.
Biological credit scoring data, repayment tracking, portfolio analytics, default prediction models.
Available shipments, route assignments, delivery confirmations, cold chain and condition monitoring.
"The grant agent found a government subsidy I had no idea existed. It covered half our sensor costs. Then the accounting agent filed the paperwork to claim it — something that would have taken us a month to figure out. Two agents, five minutes, half our hardware covered."— Anne W., Cooperative treasurer · Trans Nzoia, Kenya
Ecosystem generates and consumes data across four major streams, all compounding into better services.
Payment flows, settlement times, volumes across all services.
Satellite imagery cross-referenced with biological ground-truth — rainfall, flood, drought, temperature, and canopy stress triggers for parametric insurance.
Biological health data — yield, soil biology, canopy condition, quality scores, input usage — flowing in from Brain.
GPS position, temperature, humidity, and condition metrics 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 biological 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 — on Earth and beyond. Labs returns climate-adjusted risk models, breeding priorities, and protocols refined across the Earth-and-space science stack.
We handle the integrations, the partner onboarding, and the compliance setup. You get a live operations engine on day one — payments, credit, insurance, accounting, legal, HR — accessed the way your farmers already operate, without learning a single new tool.
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.
Mobile money and banking rails across Africa.
Earth observation imagery providers.
Reach farmers wherever they are.
Long-range sensor connectivity.
Authoritative data and compliance.
Insurance, finance, and field operations.
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 biological data, satellite imagery, and sensor readings to detect events (drought, flood, extreme temperature, canopy stress) 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 biological health data — soil condition, canopy vigor, yield trajectory — 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 adds personal credit scoring and direct mobile money payments.
Get started with minimal setup and hands-on support. See what Watoko Ecosystem can do for cooperatives, NGOs, and government partners.
No platform fee for end users. Revenue share with banks (15–25% of interest income), insurers (20–30% of premium), logistics (10–15% of bookings), and payments ($0.05–0.15/transaction).
Hardware, onboarding, and your first season — covered. Because access to intelligence shouldn't depend on what you can afford today.
Payments, insurance, credit, logistics, warehousing, compliance — all connected through one intelligent agent mesh. Stop managing 6 vendors. Start running 1 system.
See a demo →Book a demo. See Watoko running on your farm, cooperative, or supply chain.
"We went from managing five disconnected systems to one platform that talks to itself. The field data feeds the trading, the trading triggers the payments. It just runs."— Agricultural Operations Manager
We'll be in touch within 24 hours to schedule your demo.