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
AUTHORIZED INSTITUTION UNDER LAW NO. 6493
QPAY ELEKTRONİK PARA VE ÖDEME HİZMETLERİ A.Ş. | Representative Code: 100 340 11 24
In accordance with the representation agreement signed on May 13, 2025, between AGRİO FİNANSAL TEKNOLOJİLER VE TARIM TİCARET A.Ş. and QPAY ELEKTRONİK PARA VE ÖDEME HİZMETLERİ A.Ş., Agrio Finance operates as an authorized representative of QPAY ELEKTRONİK PARA VE ÖDEME HİZMETLERİ A.Ş.—an electronic money and payment institution—within the scope of Law No. 6493 on Payment and Securities Settlement Systems, Payment Services and Electronic Money Institutions.
(*) Law No. 6493 on Payment and Securities Settlement Systems, Payment Services and Electronic Money Institutions.
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