02
Livestock as collateral to access credit
We tokenize identified, verified head of cattle —with an ear tag or RFID, health record and location— inside a trust to back a loan; the token is released when the loan is repaid.
The problem
Without an accepted guarantee, credit does not reach the producer.
How it works
- 01
Identify and verify
Ear tag or RFID, health record and location.
- 02
Tokenize in a trust
Each verified head is backed inside the trust.
- 03
Back the credit
The token acts as collateral for the loan.
- 04
Release the token
When the loan is repaid, the token is released.
An ear tag is the animal's ear identification.
Technology
Token
ERC-3643
Permissioned token standard with compliance rules built in.
Identity
QuarkID
Verifiable digital identity for the people involved.
Structure
Trust
The structure that holds the tokenized asset and backs the loan.
Value added
Producers
Producers with livestock but no accepted guarantee get access to credit
Banks and fintechs
Banks and fintechs gain verifiable collateral with compliance rules built in
When the loan is repaid
The token is released when the loan is repaid
Figures from the stablecoin-collateral credit project for Naranja X, not from cattle.
- activation
- 81%
- default
- 0%
Who it is for
- Agri banks and fintechs
- Cooperatives
- Rural financial inclusion programs
Previous experience
Stablecoin-collateral credit for Naranja X; collateralized credit trust with Bind Bank; renewable energy tokenization with EPEC.
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Each solution can start with a focused pilot in one country and grow on the same infrastructure.
Market seller, Cusco, Peru · Photo: Xcapit