KM360™ Explore Products
Tanzania · Est. 2018 · 23,172+ active farmers

KM360™

“Digitizing agriculture value chains for rural prosperity.”

A digital ecosystem of eleven interlocking products, built for the smallholder farmer. From KYC to market access, finance to climate, mechanization to extension — one system, every value chain.

Issue 01 / Q1 2026 Four pillars · Eleven Products · One ecosystem
— Choose your language
01 / PillarAgritechFarmer organization & land management; first-mile & last-mile distribution.
02 / PillarFintechAccounts, credit, insurance for the rural space.
03 / PillarClimate techAdaptation, resilience, mitigation co-benefits.
04 / PillarEdTechPictorial, Video, Voice & SMS digital training at scale.
— Cross-cutting principles

Traceability. Transparency. Data‑driven.

[ 01 ] Who we are

Innovating business solutions for rural enterprises and rural livelihoods.

The Kilimo Maendeleo Platform (KM360™) is a multi-country, multi-language, multi-value-chain and transactional digital integration of the agricultural value-chain economy ecosystem — a farmer-focused service-delivery vehicle designed for the digital inclusivity of value-chain market-system actors. Value propositions, transactions and services flow amongst actors, end to end.

— Core function

Digitization of processes, services and transactions within a given agricultural value chain.

Enhancing traceability and farmer visibility, reducing the transaction cost of value-chain actors — in pursuit of value sustainability: Quantity, Quality, Consistency.

— Vision

To become the leading innovative digital-inclusion platform of choice for agribusiness, rural development and financial services in Africa.

— Mission

Transforming rural enterprises and livelihoods through innovative, practical and replicable digital connectivity and inclusivity solutions.

[ 02 ] The Problem

The state of agriculture in Sub-Saharan Africa — across the four pillars.

— Agritech

Farmer organizations under-supported. Yields and market systems still informal.

Cooperatives and producer groups operate on paper and trust. Smallholder yields trail global benchmarks. Input markets are last-mile thin; output markets are middleman-thick — pulling value away from the farmer at every step.

— Fintech

Financial inclusion still a frontier in rural agriculture.

A majority of smallholder farmers operate outside formal financial services — without accounts, without credit history, without insurance — locking them out of the very investment that would raise yields and resilience.

— EdTech

Too few extension officers. Too far between farmers.

Public extension services are stretched and under-resourced. Officer-to-farmer ratios make personal advisory unworkable, and curricula rarely reach the village in the season they are needed.

— Climate Tech

Climate change is rewriting the season — faster than the farmer's calendar.

Temperatures and variability are rising across Sub-Saharan Africa. Rains arrive late or not at all; droughts and floods sharpen; pests expand range. Adaptation, resilience and mitigation co-benefits become survival, not strategy.

[ 03 ] Solutions · By Audience

Outcomes, not just tools. The use cases KM360™ was built to solve.

Solutions group products by who is using them and what they are trying to achieve — from a smallholder selling maize to a bank underwriting credit, an off-taker sourcing pulses for export, or an NGO running an extension programme at scale.

— For Smallholder Farmers

From paper trust to bankable, marketable, climate-smart farming.

  • Earn a verified farmer identity. KYC, plot GPS, household data — usable by banks, off-takers and governments. Vikundi.Digital™
  • Sell at a fair price. Live markets, off-taker matching, structured forward contracts. Mazao.Gulio™
  • Open a wallet, take a seasonal loan. USSD-grade banking; input loans paid direct to the duka. Jembe.Pesa™
  • Book a tractor by the acre. Mechanization on-demand, paid post-harvest. MakiSai™
  • Learn through SMS, voice or WhatsApp. Lessons matched to the season and the rains. Maarifa™
— For Cooperatives & Producer Groups

Run the AMCOS or SACCO digitally — with QQC at the gate.

  • Manage meetings, members, contributions. Group records, attendance, minutes — the operating system of FOM. Vikundi.Digital™
  • Aggregate harvests at QQC standard. Quality, Quantity, Consistency — collective bargaining at scale. Mazao.Gulio™
  • Run a shared agro-input shop. Inventory, POS, ordering direct from manufacturers. Duka.Pembejeo™
  • Schedule mechanization across members. Pool a tractor across 80 farms, not 12. MakiSai™
  • Plan a season with the calendar in your pocket. A live GAP-aligned farming calendar at group level. Ugani.Digital™
— For Banks & Financiers

Underwrite rural agriculture without underwriting risk you can't see.

  • Open accounts remotely. KYC and remote onboarding for the unbanked smallholder. Jembe.Pesa™
  • Score credit on six verified signals. Identity, inputs, advisory, payments, yield, calendar. AD4D™
  • Disburse working capital, get repaid on schedule. Bulk payouts and milestone-triggered settlements. Jembe.Pesa™
  • Index-trigger crop insurance. My Climate™ hazards trigger automatic payouts. My Climate™
— For Off-takers, Processors & Exporters

Source consistent, traceable, contract-grade commodities.

  • Buy at QQC standard against forward contracts. Grade at origin, sign at the plot. Mazao.Gulio™
  • Move goods across East African borders. Smart contracts, blended finance, EAMSA arbitration. CrossBorder™
  • Farm-to-port traceability. Audit-ready chain of custody for EUDR exports. AD4D™
  • Forecast supply for the season. Pre-season visibility into volume, grade and timing. AD4D™
— For NGOs & Development Partners

Run extension and impact programmes at population scale.

  • Reach a million farmers by SMS. Bulk dispatch, expert response queue, two-way comms. Longa™
  • Deliver curriculum through Pictorial · Video · Voice · SMS. Multilingual, offline, certifiable. Maarifa™
  • Digitize extension officers. Farming Calendar, GPS evidence, donor-grade M&E. Ugani.Digital™
  • SDG-aligned impact reporting. Yield, income, jobs and gender — live to the donor desk. AD4D™
— For Governments & Sector Bodies

Subsidies that arrive. Data you can act on. Markets that trade.

  • Disburse e-subsidies through verified channels. Voucher to wallet to till — auditable end to end. Jembe.Pesa™
  • Run the national agricultural census, digitally. Unique IDs, plot GPS, household indicators. Vikundi.Digital™
  • Facilitate structured regional trade. Smart contracts, sector associations, AfCFTA-ready. CrossBorder™
  • Tanzania Agricultural Intelligence. Longitudinal market data for evidence-led policy. AD4D™

Looking for something specific? Tell us what you are trying to solve →

[ 04 ] Products · Eleven tools

Four pillars. Eleven tools. Every link in the value chain.

Each product solves a specific gap inside its pillar, but the real magic is when they speak across — a farmer's KYC unlocks credit; a marketplace transaction triggers insurance; a weather alert nudges training.

01 / Pillar

Agritech

Farmer organization management, land management, last-mile distribution for input markets and first-mile aggregation for output markets.

06 Tools
01

Vikundi.Digital

Farmer Enterprise · KYC · Records

Robust KYC, detailed record keeping, transparency & traceability for farmer groups and cooperatives.

→ 02

Mazao.Gulio

Market Access · E-Marketplace

Live prices, first-mile aggregation, e-marketplace and off-taking facilitation for crops and produce.

→ 03

Duka.Pembejeo

Agro-Dealer · POS · Supply Chain

Inventory, point-of-sale, last-mile distribution and supply chain management for input shops.

→ 04

MakiSai™

Mechanization · Ride-Hailing for Tractors

Book a tractor, sprayer or harvester on demand. Uber-style mechanization for the smallholder.

→ 05

CrossBorder™

Structured Regional Trade · Smart Contracts · EAMSA

Enhancing regional cross-border trade through digital integration of suppliers, off-takers, banks and sector associations.

→ 06

AD4D™Agriculture Data for Development

Data Spine · Credit Scoring · Impact

Governs, aggregates and analyses farmer data across KM360™ — credit scores, supply intelligence, EUDR traceability and DFI-grade impact reports.

→
02 / Pillar

Fintech

Accounts, credit, insurance and savings re-engineered for rural realities and informal-economy collateral.

01 Tool
07

Jembe.Pesa

Financial Inclusion · Credit · Insurance

Remote account opening, digital loans, micro-insurance and savings — finance built for rural realities.

→
03 / Pillar

Climate tech

Hyperlocal weather, adaptation planning and mitigation co-benefits for farmers on the climate front line.

02 Tools
08

My Climate

Climate Intelligence · Adaptation

Hyperlocal weather, agro-advisories and resilience planning with mitigation co-benefits.

→ 09

Ugani.Digital

Extension Officer App · Farming Calendar

Digital companion for extension officers — plan, implement, monitor and evaluate every visit, demo plot and farmer interaction against a living Farming Calendar.

→
04 / Pillar

EdTech

Pictorial, Video, Voice and SMS digital training at scale — last-mile extension through every channel a farmer already uses.

02 Tools
10

Maarifa™

Mobile Training · SMS · WhatsApp · IVR

Accessible, mobile-first agricultural training delivered through the channels farmers already use.

→ 11

Longa™

Last-Mile Extension · Bulk SMS

Expert advice, timely info and a two-way communication platform for extension officers.

→
[ 05 ] Scope & Market

Technology made for Sub-Saharan Africa.

Operational in Tanzania and Uganda, servicing 259,000 farmers, three partner banks and a growing constellation of value-chain actors. Production focused on maize, rice, sunflower, soybean, cotton, coffee and common beans; most smallholder farmers are supported to cultivate three to four crops including horticulture — an opening for vertical integration and scale.

[ 06 ] Traction · 2025

Real numbers. Real farmers. Compounding every season.

259K+ Farmers Onboarded
83.1K+ Active Farmers
— 2025 Revenue · Undisclosed
50% Annual Growth Rate
178MSMEs activated
1000+agro-dealers in network
3partner banks
4major input suppliers
[ 07 ] Coverage

Live in Tanzania. Expanding across Uganda.

TANZANIA · LIVE UGANDA · EXPANDING 0°
— Roadmap

From the Coca Cola Road in Mikocheni to the rest of the continent — village by village, cooperative by cooperative.

  • 2025Tanzania scale · 280K onboarded
  • 2026Uganda full launch · 296K farmers
  • 2027Rwanda & Kenya pilots · 310K target
[ 08 ] Recognition

Backed and recognized by the institutions shaping Africa's innovation economy.

All Four components — agritech, fintech, climate-tech, and EdTech have been independently recognized as critical innovations for job creation and rural prosperity.

— Award · 2023

ICT Start-up Award

“Agritech of the Year” — 2023.

Tanzania ICT Commission — the Government of Tanzania's ICT regulatory body.

— Accelerator · 2022 / 2023

Pesatech Africa Accelerator

“Most innovative fintech for rural prosperity.”

United Nations Capital Development Fund — UNCDF.

— Investee · 2023 / 2024

Funguo Innovation Fund

Cohort investee — 2023–2024.

United Nations Development Programme — UNDP.

— Climate · 2024

Climate Accelerator 2024

One of the 10 Winners of the 2024 cohort.

Climate-tech recognition for innovations driving rural resilience.

[ 09 ] Partners · By Pillar

Co-created. Not vendor-sold. Every product runs with named partners.

KM360™ is built in partnership — with the banks that lend, the associations that convene, the donors that finance, the input companies that supply, and the institutions that regulate. The map below names the people in the room for each pillar.

— Agritech
— Sector Development

Gatsby Africa

Catalytic sector funder

— Cooperative Union

Tanzania Federation of Cooperatives

TFC · National apex body

— Development Organization

SNV

Netherlands Development Organisation

— Agricultural Funder

AGRA

Alliance for a Green Revolution in Africa

— Agro-Dealer Network

TAGCOS

Tanzania Agrodealers Cooperative Society

— Off-Taker · Cotton

Alliance Ginneries

Value-chain off-take partner

— Fintech
— Impact Bank

FINCA Microfinance

Impact financing

— Commercial Bank

Azania Bank PLC

Value-chain commercial finance

— Commercial · Climate

CRDB Bank PLC

Commercial & climate-solution finance

— Women SMEs Financing Partner

K-FINANCE Limited

Value-chain Women SMEs Financing partner

— Climate tech
— Climate Accelerator

Climate-KIC

2024 Cohort · 10 winners

— EdTech
— Curriculum & Livelihoods

Livelihood Basix

Rural livelihoods training partner

— UN Agencies

Cross-cutting

— UNCDF

United Nations Capital Development Fund

Pesatech Africa Accelerator · 2022–23 Cohort

— UNDP

United Nations Development Programme

Funguo Innovation Fund · 2024 Cohort

[ 10 ] Impact · UN SDGs

Built to align with five Sustainable Development Goals.

1
SDG 1

No Poverty

Income gains of 7–9% projected through 2027 for active farmers across the platform.

2
SDG 2

Zero Hunger

Yield improvements of 6–8% via better inputs, finance and climate-smart practices.

8
SDG 8

Decent Work

3,466 jobs in 2025 → 4,266 by 2027 across agro-dealers, riders, MSMEs and field officers.

9
SDG 9

Industry & Innovation

Digital infrastructure for value chains historically excluded from formal systems.

13
SDG 13

Climate Action

Adaptation tooling for 30K+ farmers; mitigation co-benefits via informed practice change.

∞
— Compounding —

Rural Prosperity

When eleven tools speak to each other, every gain compounds. That's the KM360™ thesis.

— Get involved

Build with us. Invest with us.

Banks, NGOs, off-takers, governments and impact investors — partner on a co-created product, scale a region, or back the next phase of growth.

Talk to the team → Browse products