AgriTrust Protocol

The Programmable Trust Layer for Smallholder Farmers — Bridging the gap between the soil and the stablecoin.

Overview

AgriTrust Protocol is a liquidity primitive built on Stellar that turns a farmer's seasonal behavior (planting, harvesting, and selling) into a Verifiable Yield Certificate (VYC). It allows smallholder farmers in Africa to access global liquidity and parametric insurance without needing traditional collateral like land titles.

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Problem

Smallholder farmers (60% of Africa's workforce) are financially invisible:

• Only 3% of bank lending goes to agriculture.
• No "financial identity" or collateral.
• High exchange rate volatility and slow settlement.
• One bad harvest away from poverty with no insurance.

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Solution

AgriTrust creates a 3-step trust loop using Soroban:

• Proof of Activity: Farmers log activity (e.g., buying seeds) via USSD/Mobile.
• VYC Primitive: The protocol generates a tokenized certificate representing expected harvest value.
• Instant Liquidity: Investors provide liquidity against VYCs, settled instantly in USDC/Stablecoins.

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Core Features

1. Verifiable Yield Certificate (VYC)

• Tokenized asset (NFT/Token) representing "Expected Harvest Value".
• Based on historical data, weather patterns, and verified inputs.

2. Instant Settlement

• Payouts in USDC or local stablecoins (NGNC, ZARP).
• Low-fee micro-transactions via Stellar.

3. Parametric Insurance

• Automated payouts if weather conditions (e.g., drought) are met.
• Enforced by Soroban smart contracts.

4. Credit Scoring Engine

• Rule-based behavioral scoring for smallholder farmers.
• Turns "activity" into "creditworthiness".

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Technical Architecture

Blockchain Layer

• Soroban Smart Contracts
  • VYC generation logic
  • Liquidity matching & pools
  • Parametric insurance triggers
• Stellar Network
  • Fast, low-cost asset issuance
  • Native stablecoin support (USDC, NGNC, ZARP)

Frontend

• Next.js (React)
• TypeScript & Tailwind CSS
• Mobile-first (PWA) with USSD hooks

Wallet Integration

• Freighter Wallet
• Stellar JS SDK

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Project Structure

AgriT/
├── smartcontract/     # Soroban VYC & Liquidity contracts
├── frontend/          # Next.js PWA frontend
├── docs/             # Development guides (FRONTEND_GUIDE, SMARTCONTRACT_GUIDE)
├── README.md         # This file
├── STYLE.md          # Code style guidelines
├── MAINTAINERS.md    # Project maintainers
├── CONTRIBUTING.md   # Contribution guidelines
└── CODE_OF_CONDUCT.md # Community code of conduct

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Getting Started

Prerequisites

• Node.js v18+
• Rust & Cargo (for Soroban)
• Freighter Wallet

Setup Frontend

cd frontend
npm install
npm run dev

Setup Smart Contracts

cd smartcontract
cargo build

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Documentation

• Smart Contract Guide
• Frontend Integration Guide
• PRD (Elite Project Proposal)

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Deployed Contracts (Testnet)

Contract	Address	Description
VYC (Verifiable Yield Certificate)	CDLY6BO6RS7B43UFMS45FUELGQHDVMTLHR2SHFVUHWYJZ5BFJXYXUW27	Tokenized certificate representing expected harvest value. Minted on-chain via the VYC minting frontend.
Parametric Insurance (Volatility Shield)	CAP5F2UJVEIDRIQFKN4T2JVW7IZC6KARIJXDV65IZEF7VYOSKRDGWXJU	Automated insurance payouts triggered by weather conditions (e.g., drought). Deployed and initialized on testnet.

Both contracts are live on Stellar Testnet.

• View VYC Contract on Stellar Expert
• View Insurance Contract on Stellar Expert

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Contributing

See CONTRIBUTING.md.

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AgriTrust Protocol — Building the infrastructure of trust for the world's most underrepresented workforce.