Kenya AI Challenge 2026 · Stellar Hacks ZK Credit Rails

Agricultural finance doesn't fail because farmers are too risky. It fails because risk is invisible.

Millions of smallholder farmers generate trustworthy financial signals every day. Mizizi proves creditworthiness with zero-knowledge credentials on Stellar — without exposing raw M-Pesa data.

Explore Mizizi See how it works

Graph intelligenceExplainable AIClimate signalsHuman oversight

01 · Demo

See Mizizi in action.

Watch the demo to understand how the platform connects farmer data, climate signals and explainable credit decisions.

02 · The invisible farmer

One farmer.
Seven systems.
Zero shared intelligence.

A single farmer's financial life is fragmented across cooperatives, mobile wallets, input dealers, climate feeds and NGO records. Every system holds a fragment — none of them see the farmer.

Cooperative

SACCO

Mobile Money

Climate Data

Input Dealer

NGO Platform

Insurance

03 · The cost of fragmentation

What happens today.

1
Farmer applies
2
Loan officer searches
3
Missing information
4
Collateral required
5
Application declined
6
Farmer receives 'declined'
7
No explanation
8
Same outcome next season

This isn't a data problem. It's a connection problem.

04 · The Mizizi difference

Connected

The same journey, with sight.

01
Farmer applies
Mobile or in-branch
02
Entity resolution
Unifies fragmented records
03
Graph intelligence
Cooperative & peer signals
04
Climate analysis
Rainfall, yield risk
05
Community analysis
Repayment behaviour
06
Explainable risk score
Every factor visible
07
Human decision
Officer in the loop
08
Actionable guidance
Farmer understands why

05 · The scale of invisibility

A continent of farmers the system cannot see.

Kenyan smallholder farmers accessing formal credit

Ugandan smallholder farmers accessing formal credit

Average access across Africa

$0B

Annual agricultural financing gap

<0%

AFRACA lending reaching smallholders

06 · Why existing systems fail

The only solution that covers the full lending pipeline.

	Traditional lending	Traditional AI	Mizizi
Alternative data	—	Partial	Yes
Graph relationships	—	—	Yes
Climate intelligence	—	Partial	Yes
Explainability	—	—	Yes
Farmer feedback	—	—	Yes
Peer analysis	—	—	Yes
Decision audit trail	Partial	—	Yes
Human-in-the-loop	Yes	—	Yes

07 · The platform

Built for the people who actually approve loans.

Every surface is engineered around a single question: why this decision? Loan officers see signals, farmers see reasons, executives see portfolios.

mizizi.app/farmers/F-10384/explainability

Farmer · F-10384 · Nyandarua

Wanjiru Kamau

Risk · low

Repayment history

+24

Cooperative tenure

+18

Mobile money

+11

Climate exposure

-7

Input purchase trend

Peer repayment

+13

Decision summary

Recommend approval at KES 84,000 over 9 months. Repayment confidence 92%. Climate buffer advised due to upcoming short-rains variability.

Graph path

FarmerMwea Coop12 peersOn-time

08 · Stellar Hacks ZK Credit Rails

Prove creditworthiness.
Reveal nothing.

Smallholder farmers already generate rich financial signals — mobile money turnover, repayment history, cooperative membership. Mizizi turns them into a zero-knowledge credit credential anchored on Stellar, so lenders can trust the score without ever touching the raw data.

Groth16CircomStellar SorobanUSDC drawdown

Privacy by cryptography

Raw M-Pesa rows never leave the farmer's device or the Mizizi vault. The proof is the only thing that travels.

Portable creditworthiness

One credential works across every SACCO, bank and microlender integrated with Stellar. No repeated KYC theatre.

Auditable on Stellar

Every issued credential and drawdown lands on a public ledger with a verifiable transaction hash.

Try the live pipeline About Stellar

ZK credit pipeline

farmer F-10384 · testnet

Verified

01 · Signal capture
M-Pesa turnover, repayment history, cooperative tenure — private inputs.
ok
02 · Witness build
Mizizi agents assemble the circuit witness locally on the farmer's behalf.
ok
03 · Groth16 proof
A zero-knowledge proof binds the score tier without revealing any row.
ok
04 · Stellar submission
Proof + public commitment anchored on Stellar. Explorer link, every time.
ok
05 · Credential issued
Lenders see tier, band and limit. Never the raw mobile money data.
ok
06 · On-chain drawdown
Farmer draws USDC against the credential — verifiable, portable, revocable.
ok

Tier

Score band

72/100

Max USDC

450

Lenders receive tier + band + limit. Raw M-Pesa transactions stay private — cryptographically, not contractually.

08 · Built for the entire ecosystem

Ten roles. One connected intelligence layer.

Banks

TodayLack farm-level visibilityMiziziConnected risk picture

SACCOs

TodayManual member assessmentMiziziAutomated cooperative graph

Microfinance

TodayLimited collateral signalsMiziziBehavioural credit signals

Loan officers

TodayDecision opacityMiziziExplainable workspace

Insurance

TodayHard to verify riskMiziziVerified climate + farm data

Cooperatives

TodayRepayment volatilityMiziziPeer-level intelligence

Governments

TodaySubsidy targetingMiziziPopulation-level analytics

NGOs

TodayProgramme attributionMiziziOutcome-linked tracking

Climate orgs

TodaySmallholder reachMiziziDirect climate signal pipeline

Farmers

TodayNo explanation, no pathMiziziActionable feedback

09 · Future vision

One connected intelligence layer.
Unlimited financial possibilities.

Mizizi is positioned as infrastructure, not a product. Every new signal — identity, carbon, satellite, payments — strengthens every decision already in the system.

Digital Identity

Carbon Credits

Crop Insurance

Government Subsidies

Mobile Payments

Satellite Monitoring

AI Agents

Credit Bureaus

Open Finance APIs

Every farmer already has a story.
Mizizi helps financial institutions finally see it.

Transparent lending begins with connected intelligence. Build trust. Reduce risk. Increase financial inclusion.

Request a demo Explore the platform