Reilo provides a digital collateral platform that tokenizes farm assets—such as future harvest yields, land use rights, and equipment—using satellite imagery, IoT sensors, and blockchain smart contracts. This creates verifiable, tradable collateral that lenders can use to extend faster, lower‑cost loans to smallholder farmers, while offering real‑time risk analytics and automated repayment tied to harvest outcomes.
Funding
Funding not disclosed
Founders
Product
Problem
Smallholder farmers often lack formal, verifiable collateral, making it difficult for them to access affordable credit from financial institutions. This limits their ability to invest in inputs, technology, and expansion, perpetuating low productivity and income volatility.
Solution
Reilo offers a digital collateral platform that aggregates and tokenizes farm assets—such as future harvest yields, land use rights, and equipment—to create verifiable, tradable collateral for lenders. By using satellite imagery, IoT sensors, and blockchain-based smart contracts, the platform continuously monitors asset performance and validates ownership, reducing verification costs and risk for financiers. Lenders can extend loans against these digitized assets through an integrated marketplace, while farmers receive faster, lower‑cost financing. The system also provides transparent reporting and automated repayment triggers tied to harvest outcomes, improving loan servicing and reducing default rates.
Target Audience
Primary customers are microfinance institutions, agricultural banks, and impact investors seeking reliable collateral for lending to smallholder farmers in emerging markets.
Features
- Asset digitization engine that converts physical farm assets and future yields into blockchain‑backed tokens
- Remote verification using satellite imagery and IoT sensor data to confirm crop health and land use
- Smart‑contract driven loan agreements with automated disbursement and repayment based on harvest metrics
- Marketplace for lenders to purchase and trade farm‑backed collateral with real‑time pricing
- Integrated risk analytics dashboard that assesses asset performance and creditworthiness