EBADORAAI ActGDPRBasel IITCFD

Agro Capital Standard®

The European Standard for Agricultural Credit Risk
30 EUROPEAN MARKETS · 240M+ DATA ROWS · 0% SYNTHETIC
GCP europe-west1 · BigQuery EU · GDPR Art.5 compliant
Request Evaluation Programme → API Documentation →
Complimentary Evaluation Programme — Q2 2026 · Available for qualifying European banks and financial institutions
Platform Coverage
30 European Markets
From Moldova to the Nordics. Real data. Real models. Real coverage.
Moldova · LIVE · 35 districts Romania · DATA LAYER Ukraine · DATA LAYER Poland · DATA LAYER Germany · DATA LAYER Hungary · DATA LAYER Bulgaria · DATA LAYER France · DATA LAYER Italy · DATA LAYER Spain · DATA LAYER Netherlands · DATA LAYER Austria · MAPPED Belgium · MAPPED Bosnia · MAPPED Switzerland · MAPPED Czech Republic · MAPPED Denmark · MAPPED Estonia · MAPPED Finland · MAPPED United Kingdom · MAPPED Croatia · MAPPED Ireland · MAPPED Lithuania · MAPPED Latvia · MAPPED Norway · MAPPED Portugal · MAPPED Serbia · MAPPED Slovakia · MAPPED Sweden · MAPPED
Live — Production
Data Layer — Q3 2026
Mapped — In Model
Live — Production
🇲🇩
Moldova
35 districts · BCV · ERA5 · NDVI · Production data · Full TerraSCORE
Live
Data Layer — Q3 2026
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ROU
Romania
Data
🇺🇦
UKR
Ukraine
Data
🇵🇱
POL
Poland
Data
🇩🇪
DEU
Germany
Data
🇭🇺
HUN
Hungary
Data
🇧🇬
BGR
Bulgaria
Data
🇫🇷
FRA
France
Data
🇮🇹
ITA
Italy
Data
🇪🇸
ESP
Spain
Data
🇳🇱
NLD
Netherlands
Data
Mapped — In Model
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AUT
Austria
Mapped
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BEL
Belgium
Mapped
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BIH
Bosnia
Mapped
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CHE
Switzerland
Mapped
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CZE
Czech Rep.
Mapped
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DNK
Denmark
Mapped
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EST
Estonia
Mapped
🇫🇮
FIN
Finland
Mapped
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GBR
UK
Mapped
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HRV
Croatia
Mapped
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IRL
Ireland
Mapped
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LTU
Lithuania
Mapped
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LVA
Latvia
Mapped
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NOR
Norway
Mapped
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PRT
Portugal
Mapped
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SRB
Serbia
Mapped
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SVK
Slovakia
Mapped
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SWE
Sweden
Mapped
30
Markets
European coverage
1
Live
Moldova — production
240M+
Rows
BigQuery EU (europe-west1)
890
QA Tests
890/890 passing
EBA
Ready
Pillar 3 compliant
14
Banks
Pipeline MD · RO · NL
Regulatory Compliance
Built for European Banking Regulation
Every component designed to close regulatory gaps in agricultural lending.
EBA/GL/2022/03
Climate Risk Pillar 3
Climate risk disclosure for agro portfolios. Physical + Transition risk scores. EBA Risk Categories mapped.
DORA
Digital Resilience
99.9% SLA. GCP europe-west1. Uptime monitoring. Incident response. Operational resilience framework.
AI Act Art.13
Explainability
Decision-support classification. SHAP explanations. Human-in-the-loop mandatory. Full audit trail.
GDPR Art.5
Data Residency
All data in GCP europe-west1. No cross-border transfers. DPIA completed. DPO appointed.
Basel II/III
Credit Risk
PD/LGD/EAD/EL calibrated. 540 cohorts × 8 crops × 32 countries. IRB-ready methodology.
Product Suite
Five Buyer Surfaces
Modular platform. Each product solves a specific gap in agricultural lending.
🏦
ACS Bank OS
agrocapitalstandard.eu
Portfolio early warning. Covenant & disbursement engine. Explainability layer. Deal lifecycle management. Risk scoring with PD/LGD/EAD. 460+ API endpoints.
Explore Bank OS →
🎯
TerraSCORE™
terrascore.eu
Land valuation intelligence. RALV, BCV, Parcel Intelligence Cards. Investment classes A–E. Fund-grade analytics. Satellite-verified. 240M+ data points.
Explore TerraSCORE →
🛡️
ProvableCore™
provablecore.eu
AI governance & model lifecycle. Event-sourced audit trail. Separation of Duties enforcement. AI Act Art.14 compliant. Governance Maturity Index: 90/100.
Explore ProvableCore →
🚨
PWE
Portfolio Warning Engine
Post-origination monitoring. Satellite + market + behavioral signals. Daily batch. Alert severity: WATCH · CAUTION · CRITICAL.
🚚
SC-OS
Supply Chain OS
Full-chain visibility. Grain Passports with QR. Milestone-based disbursement. Covenant monitoring. Warehouse receipts.
🌡️
Climate Risk
ACS Climate Risk™
EBA Pillar 3 compliance. Physical + Transition risk. RCP 4.5/8.5 scenarios. Yield impact projections. TCFD reporting.
Americas Operations
USA · Argentina · Brazil — 18 cohorts, USDA/IBGE data, CBOT integration
🇺🇸🇦🇷🇧🇷
agrocapitalstandards.com →
Flagship Products
Three Core Platforms
Each product addresses a critical gap in European agricultural lending infrastructure.
🏦
ACS Bank OS
agrocapitalstandard.eu
Risk Engine
PD/LGD/EAD calibrated across 540 cohorts. Monte Carlo with 10M correlated scenarios. Sub-millisecond risk scoring via Rust engine.
Deal Lifecycle
Origination through maturity. Workflow engine with state machines. Committee memos. Covenant monitoring. Early warning signals.
Integration
REST API with 460+ endpoints. Tenant isolation. JWT + API key auth. OpenAPI 3.1 spec. Python & TypeScript SDKs.
🎯
TerraSCORE™
terrascore.eu
Land Intelligence
RALV (Risk-Adjusted Land Value). BCV (Base Collateral Value). Investment classes A through E. Parcel-level intelligence cards.
Satellite Data
Sentinel-2 NDVI monitoring. ERA5 climate data (2000–2026). 240M+ observations. Anomaly detection via Rust parallel processing.
Fund-Grade
Designed for institutional investors. SPV structure support. Crop-specific yield forecasting. 32-country coverage.
🛡️
ProvableCore™
provablecore.eu
AI Governance
Event-sourced audit trail. Every model decision recorded. Immutable governance log. EU AI Act Article 14 compliant. Separation of Duties matrix.
Model Lifecycle
Model registry. Validation pipeline. Break-glass procedures. Rollback capabilities. Governance Maturity Index scoring (90/100 achieved).
Compliance
EBA GL/2020/06 mapped. DORA Article 9 aligned. Basel II Pillar 2 compatible. ISO 27001 structured. Firestore-backed event store.