An AI Technology Operating as Agriculture’s Sustainability and Risk Department
Agrio is an AI-powered platform that provides sustainability, traceability, and risk-scoring infrastructure across agricultural and food value chains. Through real-time data collection, verification, and financial integration, we make access to sustainable finance in agriculture both possible and secure.
Although agriculture accounts for more than 25% of global greenhouse gas emissions, it receives only 4% of total climate finance.
This massive gap is not caused by a lack of capital, but by the absence of data-driven, traceable, and agriculture-specific financing models.
As long as financial institutions cannot reliably track and report sustainability impact, they are unable to develop new financial products. As a result, farmers and agribusinesses remain excluded from green finance.
Agrio closes this gap with its AI-driven monitoring and data-verification infrastructure:
By enabling real-time, multi-stakeholder, and auditable data, Agrio strengthens pre-lending credit decisions and, through post-lending monitoring, makes sustainable finance scalable and actionable.
Our Three Core Strengths
#1
Data from satellite imagery, IoT devices, ERP systems, mobile applications, and field agents is cross-verified within a single system.
In Agrio's approach, data is not collected, but is contextualized, validated, and made audit-ready within line of international guidelines.
#2
Unlike conventional IT systems that focus solely on record-keeping, Agrio actively analyzes data in real time.
Based on generated insights, it dynamically recalibrates credit terms and support conditions, while automatically triggering action when risks or deviations are detected.
#3
Agrio continuously collects production data after financing is deployed, verifying whether sustainability commitments are actually implemented.
This ensures that financing goes beyond disbursement — impact is monitored, transparently reported, and adaptive improvement is actively encouraged.
Since its founding, Agrio has been supported by impact-oriented investors, strategic banking partners, and global accelerator programs.
The financial and societal potential of our technology has been recognized by leading institutions across the ecosystem:
- idacapital – Equity investment from an impact-focused investment fund
- Angel Investors – Senior leaders from banking, agriculture, textiles, and energy
- TTGV & HIT Program – Participation in investment and sector-aligned technology programs
- TEB (BNP Paribas) – Strategic retail banking partnership in agriculture and nationwide field access
- Bayer G4A – Participation in a global accelerator for agriculture and health
- Visa Innovation Program Europe – Selected fintech focused on payments and financial infrastructure
- Emerge Estonia – Accepted into a global startup acceleration and investment program
- KPMG FINTR Awards – Innovative Fintech of the Year, 2023
Who Builds Agrio?
Agrio was founded by experts in financial technology, sustainable agriculture, and AI systems. Our team brings together:
- 🤖 PhD-level expertise in Artificial Intelligence and Machine Learning, with proven experience building advanced AI systems
- 💳 Senior software and product leaders with extensive experience in finance and banking technologies
- 🎓 Doctorate-level expertise in Agricultural Economics and Finance
- 🧭 Entrepreneurs and strategists with deep experience scaling businesses at the intersection of agriculture and finance