What happens if drought hits during flowering? If corn prices drop 30% at harvest? If the local currency devalues overnight? If all three happen at once?
Our Monte Carlo engine doesn't guess — it simulates. 10 million correlated scenarios combining yield shocks, price crashes, climate extremes, and currency movements. Every scenario weighted by 25 years of real historical data from Copernicus ERA5, Copernicus ERA5, NBM Moldova, and Eurostat.
The result: not a single number, but a full probability distribution — P10 (worst realistic), P50 (expected), P90 (best realistic) — for IRR, DSCR, and loss probability.
Computed in under 2 seconds. By 4 parallel Rust engines.
"Other platforms give you a credit score. We give you 10 million reasons behind it."
Built on 4 Rust high-performance engines: Monte Carlo · Risk Score · NDVI Processor · ERA5 Parser. Zero Python in the hot path.
ProvableCORE is the AI governance layer built into every ACS product. It generates cryptographic proof for every AI decision — verifiable by banks independently, without access to ACS infrastructure.
EU AI Act Article 12 (deadline: August 2026) requires banks to document every high-risk AI decision. Penalty: up to 3% of annual turnover. ProvableCORE delivers compliance out-of-the-box.
11 automated pipelines. Updated daily. Verified sources only.
Copernicus CDS · Google Earth Engine · USDA NASS · IBGE SIDRA · FAO STAT · NASA POWER · World Bank · ECB · Eurostat · ISRIC SoilGrids
Full cost transparency. LLM costs included in subscription. No hidden API surcharges.
"Your ACS ID is what stays with you when everything else changes."
Farmer = stranger to the bank. No history. No context. Evaluated by collateral alone.
Farmer = verified human asset with proven track record, satellite-confirmed yields, and portable reputation.
| Feature | Traditional Credit Scoring | Agri-Weather Platforms | ACS |
|---|---|---|---|
| Basel II PD/LGD/EAD calibration International banking standard for measuring credit risk | ✓ | ✗ | ✓ |
| Satellite-verified yield data Sentinel-2 NDVI confirms actual crop performance from space | ✗ | ✓ | ✓ |
| Monte Carlo portfolio simulation 10M "what-if" scenarios stress-testing drought, price, and FX shocks | ✗ | ✗ | ✓ |
| Human Capital Index (farmer rating) Personal competence score: discipline, efficiency, adaptivity | ✗ | ✗ | ✓ |
| Portable Farmer ID across banks UUID identity that belongs to the farmer, not the institution | ✗ | ✗ | ✓ |
| SHAP explainability per decision Transparent breakdown of every risk factor's contribution | ✗ | ✗ | ✓ |
| Real-time covenant monitoring 11 trigger codes: automatic alerts when loan conditions are breached | ✗ | ✗ | ✓ |
| Multi-country regional benchmarks 540 cohorts across 32 countries for peer comparison | ✗ | ✓ | ✓ |
| AI-powered credit committee packs Gemini 3.1 Pro generates complete decision dossiers in seconds | ✗ | ✗ | ✓ |
| Zero synthetic data policy 240M+ data points, every one traceable to a verified source | ✗ | ✗ | ✓ |
Real-time transparency on data quality, uptime, and automation
