MicroVaulr: Bridging the $170 Billion Lending Gap in Agriculture
Empowering smallholder farmers with verifiable digital credentials to access the credit they deserve.
MicroVaulr by Shamba Records: Unlocking Financial Access for Africa’s Smallholder Farmers
$0B
Farmer Lending Gap in Africa
6–10%
Farmers with access to formal credit
60%
Population employed in agriculture
MicroVaulr by Shamba Records: Unlocking Financial Access for Africa's Smallholder Farmers
Smallholder farmers in Africa face a staggering $170 billion lending gap, according to the World Bank and FAO. This barrier blocks millions from accessing vital credit — credit that could transform lives and food systems. With Africa’s population set to skyrocket from 1.55 billion in 2025 to an estimated 2.5 billion by 2050, the pressure on agriculture and food security has never been greater.
Yet, despite being the backbone of the continent’s food supply and employing over half of the population, smallholder farmers remain largely invisible to traditional financial institutions. They lack documented credit histories, collateral, and verifiable credentials that banks rely on, keeping last-mile financing out of reach.
Learn MoreThe Vision
Enter MicroVaulr by Shamba Records - an innovative micro-lending engine designed specifically for emerging markets.Powered by Shamba Records' cutting-edge AI technology and the Stellar XLM blockchain via the ERC-4626 Vault standard on the Soroban smart contract platform, MicroVaulr verifies farmer credentials that integrate seamlessly with credit scoring engines.
Our Goal
- Unlock affordable, transparent and scalable on chain financing for millions of smallholder farmers who were previously excluded from formal finance
Our Services
What MicroVaulr Does
MicroVaulr solves this problem by verifying farmer credentials and generating verifiable digital identities that plug into AI-powered credit scoring engines. This gives farmers a financial identity based not on collateral, but on productivity, resilience and market potential.
Why MicroVaulr?
MicroVaulr empowers smallholder farmers by providing them with verifiable farmer identities on blockchain. This unlocks access to affordable credit, enables transparent on-chain lending and bridges the massive financing gap in African agriculture.
Bridging the $170 Billion Lending Gap
By creating trusted, verifiable farmer identities on blockchain, MicroVaulr delivers credibility to farmers and confidence to lenders like banks, microfinance institutions, and DeFi platforms.
Technology-Driven Trust
AI-powered data aggregation analyzes farm productivity, resilience, and market potential, while Stellar’s ERC-4626 Vault standard guarantees secure, transparent loan mechanisms.
Scalable Impact
Currently serving 50,000 Shamba Records users, with ambitious plans to reach 5 million farmers by 2030.
Driving Credit Flows
Our projection aims to channel over $100 million in new credit to smallholder farmers within the next three years, boosting incomes and agricultural productivity.
Why MicroVaulr is Different
Unlike traditional financial systems, MicroVaulr brings together blockchain transparency, AI intelligence, and last-mile accessibility. Through Stellar's Soroban smart contracts and ERC-4626 vaults, we ensure:
