Agrinofy Pay
কৃষি থেকে ক্যাশ, সব এক প্ল্যাটফর্মে
Bangladesh’s dedicated agri-fintech platform — digitizing payments, micro-financing, remittance, crop insurance, and investment for every farmer, trader, and agri-entrepreneur in one unified ecosystem.
For Farmers
Mobile wallet, crop loans, and parametric insurance — works on basic phones via USSD, no bank account needed.
For Traders & Exporters
Bulk settlement, invoice financing, and multi-currency accounts integrated with Agrinofy EACS export workflows.
For Investors
Verified agri-project marketplace with Musharaka-compliant profit-sharing and transparent impact reporting.
Service Catalog
Six Pillars of Agri Finance
From daily payments to long-term investment — Agrinofy Pay covers every financial need across Bangladesh’s agricultural value chain.
Agri Digital Payments
For farmers, traders, agrovets & input suppliers
P2P Agri Wallet
Instant farmer-to-farmer and farmer-to-trader transfers via app or USSD
B2B Supply Chain Settlement
Bulk payment rails for wholesalers, processors, and exporters
QR Merchant Payments
Agrovet and input shop POS via QR — instant settlement
USSD Feature-Phone Access
Full wallet functionality on basic phones — no smartphone required
Agri Remittance
For migrant farm workers & agro-export businesses
Domestic Agri Transfers
Low-cost, instant transfers across all 64 districts
International Remittance
Migrant worker remittance direct to farm wallet accounts
Export Payment Settlement
Multi-currency receipt and conversion for agro-exporters
Crop Micro-Financing
Shariah-compliant financing for farmers & agri-SMEs
Input Purchase Loans
Seed, fertilizer & pesticide financing repaid at harvest
Equipment Financing
Machinery and irrigation equipment on flexible repayment
Harvest-Cycle Repayment
Repayment schedules aligned to seasonal crop cycles, not calendar months
Agri SME Growth Loans
Working capital for small agri-businesses under Musharaka structure
Agri Insurance
Parametric crop insurance — auto-triggered, no claim forms
Weather-Indexed Crop Insurance
Auto-triggered by verified rainfall, flood, or drought data
48-Hour Claim Disbursement
Compensation deposited directly to wallet — no paperwork
Livestock & Aquaculture Cover
Insurance products extended to poultry, cattle, and fish farming
Agri Investment Gateway
Musharaka-compliant crowdfunding for agri projects
Verified Project Marketplace
Browse and fund due-diligenced agricultural investment opportunities
Profit-Sharing Distributions
Seasonal profit payouts deposited directly to investor wallets
Impact Reporting Dashboard
Transparent reporting on financial returns and agri-impact metrics
Supply Chain Finance
For agro-traders, processors & exporters
Invoice Financing
Release working capital from outstanding purchase orders before shipment
Dynamic Discounting
Early payment discounts optimized across buyer-supplier relationships
EACS Payment Integration
Seamless link between export documentation and payment settlement via Agrinofy EACS
How It Works
From Registration to First Transaction in Four Steps
Register
Create your account via smartphone or USSD — NID verification only, no bank account needed
Select Your Service
Choose payments, financing, insurance, remittance, or investment — or use all six through one wallet
Transact Digitally
Send payments, apply for loans, insure crops, or fund an agri-project — all within seconds
Grow Your Business
Access transaction history, financial health score, and growth capital options as your digital footprint builds
Who Uses It
Built for Bangladesh’s Entire Agri Economy
Whether you are a smallholder farmer or a large agro-exporter, Agrinofy Pay has a solution designed around your exact financial reality.
Smallholder Farmers
USSD mobile wallet, crop input loans, and parametric insurance — no smartphone or bank account required to get started.
Agri Traders & Wholesalers
Bulk settlement accounts, inventory financing, and real-time commodity price data integrated with payment flows.
Agro Exporters
Multi-currency accounts, trade finance, and integration with Agrinofy EACS for seamless payment alongside export documentation.
Agri Investors
Verified project marketplace, Musharaka-compliant investments, transparent impact reporting, and direct profit-share distributions.
Agri Entrepreneurs & SMEs
Business accounts with payroll for farm labor, supplier payment automation, and growth capital through investor matching.
Input Suppliers & Agrovets
POS systems for rural agro-input shops, buy-now-pay-harvest financing for farmers, and supplier working capital programs.
FAQ
Common Questions
Agrinofy Pay is Bangladesh’s dedicated agri-fintech platform — a unified digital wallet and financial services ecosystem built for farmers, agri-traders, exporters, and agri-entrepreneurs. It is a sub-brand of Agrinofy Ltd.
No. Agrinofy Pay works on basic feature phones via USSD. A national ID (NID) is sufficient to register — no bank account or smartphone is required for core wallet and payment features.
Yes. Crop micro-financing and investment products are structured under Musharaka (profit-sharing) and other Shariah-compliant models, making them accessible to all segments of Bangladesh’s farming community.
Parametric insurance is triggered automatically when verified weather data — rainfall thresholds, flood levels, or drought indices — crosses a pre-agreed limit. No claim forms required. Compensation is deposited directly into the farmer’s wallet within 48 hours.
Yes. Agrinofy Pay integrates with Agrinofy EACS to provide seamless payment settlement alongside export documentation, trade finance, and logistics coordination for Bangladeshi agro-exporters.
Agrinofy Pay is currently in its pre-launch phase. Register your interest via the Early Access button and be among the first to know when the platform becomes available in your district.
Ready to Digitize Your Agri Finance?
Whether it’s payments, crop loans, insurance, or investment — let’s build your digital agri-finance future.