Basel II calibrated probability of default and loss given default models. Satellite intelligence. Covenant monitoring. Deployed across 14 countries and 6 US states.
A vertically integrated credit risk platform purpose-built for agricultural lenders, insurers, and investment funds.
25 years of ERA5 climate reanalysis fused with 12 years of Sentinel-2 NDVI satellite imagery. 432 regions indexed at field-parcel resolution. No black boxes — full data provenance via API.
Basel II IRB-calibrated PD/LGD/EAD models with transparent back-testing across 60 regional cohorts. Through-the-cycle and point-in-time estimates with vintage analysis and stress testing via 10M-iteration Monte Carlo.
Live across 14 European markets including Romania, Poland, Ukraine, and the Baltics. Expanding into the US Midwest with 6 states and 60 US cohorts already operational. 8 crop types under active coverage.
Seven production modules. 156 API endpoints. 16 authorization scopes. Every output auditable from satellite pixel to credit decision.
PD, LGD, EAD, and internal rating assignment. Basel II IRB calibration with 10M-iteration Monte Carlo simulation completing in under 4 seconds. SoilGrids 250m integration for collateral valuation.
12 years of NDVI time series across 55,000 records and 432 regions. Anomaly detection, vegetation health scoring, and seasonal benchmarking at field-parcel resolution.
Automated financial covenant monitoring with 11 configurable triggers. Early-warning alerts based on climate deviations, vegetation anomalies, and financial ratio breaches.
Environmental scoring aligned with EBA guidelines and EU Taxonomy criteria. Carbon footprint estimates, biodiversity indicators, and sustainability metrics per borrower parcel.
Real-time portfolio-level dashboards with concentration analysis, geographic heat maps, vintage tracking, and automated reporting for internal and regulatory consumption.
Configurable approval workflows, role-based access control, and evidence card generation. Full audit trail with PDF and JSON output for every credit decision.
Model validation suite with binomial tests, traffic-light matrices, and discriminatory power analysis. Regulatory-ready documentation for IRB model approval submissions.
25 years of ERA5 reanalysis data — 213M observations covering temperature, precipitation, soil moisture, and evapotranspiration. Forward-looking climate stress scenarios.
20 regions across Europe and the United States. 8 crop types under active coverage.
A guided evaluation designed for risk departments, credit committees, and portfolio managers.
One-hour call with our risk engineering team. Methodology walkthrough, data lineage review, and integration architecture discussion tailored to your stack.
Full API sandbox with production-equivalent data. Sample evidence cards, PD/LGD outputs, and covenant triggers across your target geographies and crop types.
Dedicated tenant with your portfolio data. Parallel-run against existing models. White-glove support from our implementation team through go-live.
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