HARVESTSYNC
Income-Aligned Asset Financing
& Settlement
"Align the clock to the crop."
Collection occurs only when liquidity is verified.
To unlock scalable agricultural credit by uniting Bank capital, IoT truth, and the bKash rail.
A collection-first structure designed to reduce delinquency pathways. By anchoring repayment to verified harvest liquidity, this model replaces manual recovery with operationally verifiable, rule-based deduction—securing bank capital without expanding payment rail balance sheet exposure.
Program Controls
Converting the conceptual model into a bankable, governed credit program.
(crop-dependent)
A. Credit Box
- Borrower Type KYC-verified Agri-SME
- Ticket Size ৳100k – ৳500k
- Tenor 6 – 18 months
- Grace Period Season-aligned
B. Repayment Waterfall
- Priority 1 Bank Principal + Interest
(Auto-split % up to cap) - Priority 2 bKash Standard MDR
- Priority 3 Farmer Wallet Balance
C. Risk Controls
- Asset Securing IoT tag & Geo-lock
- Protection Mandatory Insurance
- Maintenance Tied to 48hr SLA
- Merchants Pre-vetted Whitelist
D. Early Warning Triggers
- Asset Offline IoT downtime > 48 hrs
- Yield Gap Actual vs Proj. > 15%
- Diversion Risk Abnormal gap in Txns
E. Collections Governance
- Exception Queue Flagged split-failures
- Human Override Bank-authorized only
- Dispute SLA 24-hour resolution
F. Enforcement
- Step-in Rights Remote disablement
(Bank-authorized) - Contractual Mandatory Node usage
- Incentive Carrot Unlocks future lines
Timing and Truth
Why it works. This model transforms agricultural production into structured, digitally collectable, refinance-aligned asset finance.
Dynamic KYP (Know Your Production)
- Asset Geolocked & Active
- Yield Predictor Calibrated
- Verified Physical Operation
Moves beyond static paper identity. The Technology Partner continuously proves the asset is generating value, neutralizing misuse risk.
Crop-Aligned Collection
& Auto-Split
Repayment ignores arbitrary 30-day cycles. bKash instantly deducts the loan portion precisely when the merchant pays the farmer for the harvest.
Origination
Bank approves asset financing.
Verification
Technology Partner verifies installation and production linkage.
Deployment
Bank disburses to vendor / borrower per asset delivery.
Production Income
Production income flows through merchant channel.
Split-Settlement
bKash split-settlement auto-deducts repayment portion.
Automated Collection
Bank receives automated collection instantly.
Continuous Monitoring
Technology Partner monitors performance via IoT feed.
Alignment
This materially aligns credit repayment with actual production cycles.
The Tripartite Architecture
Strict separation of concerns. Maximum ecosystem leverage.
The Bank
Provides liquidity, assumes credit risk, and anchors compliance.
Tech Partner
Secures the physical truth and risk data. Does not lend.
bKash
Executes programmatic settlement based on verified rules.
The Regulatory Foundation
Absolute compliance through strict boundary enforcement.
Ecosystem Lock-in via Supply Chain Necessity.
Merchants are onboarded through trade-flow incentives and eligibility benefits. To service asset loans, farmers must process their harvest sales through an approved bKash merchant node, resulting in Minimal incremental acquisition cost for new merchant acquisition.
The Collection Node
The buyer effectively becomes an automated collection node for the Bank.
Farmers have contractually agreed settlement routing (borrower consent at origination) exclusively to registered bKash merchants to ensure automatic split-settlement compliance, guaranteeing net-new GTV.
No new POS hardware. No complex training. We leverage existing bKash B2B payment APIs to instantly convert standard merchants into structured collection nodes.
By processing these directed digital flows, merchants build highly verifiable digital trade histories—instantly making them eligible for subsequent Bank-backed working capital and credit lines.
Unlocking Agricultural Finance
Without Balance Sheet Risk.
HarvestSync transforms bKash from a passive payment rail into the indispensable intelligence and collection engine for multi-million dollar banking portfolios.
Zero NPL Exposure
bKash facilitates the collection of high-value agricultural loans without holding the debt. The Bank assumes 100% of the credit risk, loan classification, and capital provisioning. No credit exposure (no on-balance-sheet lending).
Net-New Volume & MDR
By digitizing post-harvest trade at the merchant level to execute split-settlements, bKash captures massive, previously cash-based agricultural liquidity flows and recaptures MDR.
Ecosystem Dominance
This embeds bKash deeply into the commercial B2B agri-supply chain. Merchants and farmers are given structurally preferred routing to the bKash ecosystem to participate in structured asset financing.
Prudential Regulatory Compliance
Designed to align with Bangladesh Bank prudential expectations: the Bank remains the sole licensed lender; the technology partner operates purely as a TSP (no unlicensed lending); bKash operates strictly within its licensed payment framework.
Pilot Readiness & Execution Path
- ✓ Merchant B2B APIs
- ✓ e-KYC & identity rails
- ✓ Wallet settlement nodes
- → Split-settlement rules engine
- → Merchant whitelist logic
- → SLA operational protocols