Planned business line · Regulated services through licensed partners
Turning records into credit.
A farmer who delivers and repays leaves a useful record. We plan to connect that record to payments, credit and equipment finance through licensed providers, starting with the agricultural delivery cycle.
GSMA reports USD 806bn in East African mobile-money transactions in 2025. Transaction volume demonstrates use of the payment channel; it does not tell us whether a borrower can afford a loan. Credit assessment still needs income, costs and repayment evidence.92
The cited Agricultural Credit Facility report put approvals at 57% of 7,726 applications. AVERON’s proposed contribution is a clearer crop-delivery and repayment record, with a lender retaining responsibility for its credit decision and the customer’s terms.70,76
Remittance reporting describes Shs 9.6trn in annual inflows, with 61% arriving through mobile money. Farm income is seasonal. A finance product for seed or a pump would need a repayment schedule matched to the customer’s actual income.86
Payment services, lending and other regulated products have distinct rules. We plan to identify the appropriate licensed provider for each service, agree responsibilities for customer checks and complaints, and confirm permissions before offering it.84,85
Stages describe the proposed sequence. Progress depends on the decision gate for each stage; no commissioning date is promised.
Develop the input-credit model around cooperative records and recovery at crop delivery; record what was advanced, delivered, deducted and paid.76
Decision gateClear customer terms and a reconciled delivery and deduction record.
Arrange digital payments through licensed providers and consent-based sharing of suitable repayment records.
Decision gateA confirmed provider, lawful sharing and a customer complaints process.
Explore pay-as-you-go and lease-to-own for solar, pumps, tractors and electric motorcycles, plus savings and insurance links with licensed providers.
Decision gateAffordability assessment, product approval and verified servicing capacity.
These are proposed arrangements. Contracts, pricing, operating costs and any regulatory permissions would be confirmed for each activity.
No credit product, rate, return or approval is promised. A payment history is evidence for assessment, not a guarantee that a loan will be made.76
Agriculture would provide delivery and repayment records. Data would help validate them; IT would secure the systems. Licensed finance partners could support assets used in Energy and mobility and Agriculture, with asset ownership and servicing obligations made explicit.
The input-credit book and delivery-based repayment evidence.
Credit histories and risk signals, subject to validation and lawful sharing.
Licensed-partner finance for solar, pumps and electric motorcycles.
Proposed partner finance for inputs and productive farm equipment.
Secure payment-provider connections and reconciliation tools.
Prepare the proposed arrangement with qualified regulatory and finance specialists.
The diagram describes the proposed group model.
Proposed group model.76 Explore all group connections →
The responses below are part of the proposed delivery approach. They need to be funded, assigned and checked before operations expand.
| Risk | Proposed response |
|---|---|
| Default and seasonal income | Assess affordability, match repayment to deliveries and increase limits only when evidence supports it. |
| Regulatory scope | Confirm each service’s licensing route and responsibilities with qualified advisers and licensed providers. |
| Fraud and disputed deductions | Reconcile deliveries and payments, restrict access and give customers a way to correct records. |
| Unsuitable equipment finance | Confirm maintenance, warranty and recovery arrangements alongside the proposed finance terms. |
Project-specific diligence remains necessary.76 Our delivery and risk approach →
We welcome discussions around a defined project, capability or delivery need. The structures below are starting points for discussion, not an offer of securities or a promise of returns.
You bringEquipment, software or specialist operating experience.
AVERON bringsA local use case and a staged route to testing it.
Discuss this structureYou bringEquipment, leasing or a suitable finance facility.
AVERON bringsA specific use case, site requirements and a proposed operating plan.
Discuss this structureYou bringPreparation funding, technical assistance or risk-sharing capital.
AVERON bringsA programme design, local coordination and reporting commitments.
Discuss this structureReview the project assumptions and proposed structure.
Request the business plan