Cooperative Lending & Wallet
Single-Digit Seasonal Microloans, Digital Cooperative Wallets & Escrow Protection
AgriTrust proprietary agricultural fintech backbone providing farmers with transparent digital cooperative wallets, flexible seasonal micro-credit, and guaranteed escrow protection on all product trade.
Commercial banks routinely charge upwards of 28% to 35% interest on loans, completely misaligned with farming timelines. AgriTrust Cooperative Lending solves this with single-digit micro-loans calibrated specifically to biological crop cycles: farmers borrow for inputs, cultivate, harvest, and repay only after crop sales.
Every farmer receives a verified AgriTrust Multi-Asset Digital Wallet supporting dedicated Sterling & Wema virtual accounts, multi-chain Tether (USDT) crypto settlements (TRON TRC-20, Polygon & BSC) with instant conversion to liquid Naira, zero-fee peer-to-peer transfers, and instant commercial bank withdrawals. In the marketplace, our Escrow system locks buyer funds safely until goods are delivered and inspected, eradicating non-payment fraud.
Key Program Deliverables & Benefits:
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Multi-asset digital cooperative wallet with Naira virtual accounts and multi-chain Tether USDT (TRC-20 & Polygon)
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Instant 0-delay USDT to Naira currency conversion at real-time market rates with transparent 0.75% platform spread
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Single-digit seasonal micro-credit for seeds, fertilizers, and equipment with harvest-linked repayment
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100% Escrow buyer-seller protection ensuring guaranteed payment release only upon delivery inspection
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Automated group thrift savings (Ajo/Esusu) and dividend distribution for registered cooperative unions
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Cryptographically signed blockchain transaction ledgers and on-chain verification for transparent accounting
Eligible Cohorts:
All registered non-admin farmers, agricultural cooperatives, commodity buyers, and input dealers.
Technical Support:
Dedicated cooperative credit officers, Flutterwave gateway support, instant dispute resolution.
Subsidies & Financing:
Single-digit seasonal interest rates with zero hidden banking deductions.