The dashboard now exposes a coverage status per region, per crop and per risk surface across the six bank-facing surfaces: risk_score, CVI, capital, regime, satellite_summary and NDVI. Every surface reports one of four states:
This turns data gaps into visible governance signals, not silent empty cards or fabricated 404s. Bank credit committees see exactly which surfaces back a recommendation — and which do not. Data integrity is a first-class output, not an afterthought.
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 tamper-evident audit receipts designed to support these compliance reviews. Bank credit committee remains the final decision-maker.
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 | ✗ | ✗ | ✓ |
| Regional benchmarks with coverage status Peer comparison across European and Black Sea agricultural regions, with AVAILABLE / PARTIAL / INSUFFICIENT / BLOCKED state shown per region and crop | ✗ | ✓ | ✓ |
| AI-powered credit committee packs Gemini 3.1 Pro generates complete decision dossiers in seconds | ✗ | ✗ | ✓ |
| No synthetic / fallback scoring in bank-facing surfaces 240M+ real data observations across climate, vegetation, price, yield and risk surfaces; every numeric value in a credit output traceable to its provenance URI; NO DATA → NO SCORE | ✗ | ✗ | ✓ |
Access to the ACS Bank OS dashboard is available only through a controlled Evaluation Access Code for qualifying banks, insurers and investment funds. There is no public self-service access. Each engagement begins with a scoped data-coverage review for the institution's geography and crop mix, so that AVAILABLE / PARTIAL / INSUFFICIENT / BLOCKED state is fully understood before any pilot starts.
To request access, contact contact@agrocapitalstandard.eu.
ACS is an analytical decision-support platform. It does not make binding credit decisions. The platform is designed to support the bank's own assessment under EBA / DORA / AI Act frameworks; it does not certify, guarantee or substitute for any regulatory compliance obligation. Bank credit committees remain responsible for borrower analysis, collateral review, legal review and final approval. The bank analyst remains the final decision-maker.
Real-time transparency on data quality, uptime, and automation
