Better collateral
Crop, harvest, contract and invoice data become part of the collateral and stay on record. The same operation is worth more to whoever prices the risk.
Our RWA: Rural World Asset
The future of the digital economy is grown in the fields
We integrate rural assets with digital finance to deliver more speed, security and liquidity.
For those who fund agribusiness
More credit extended, with less risk per unit lent
Oken.ag is a financial service specialized in agriculture. It does not replace your credit: it enriches the collateral, organizes the documents and secures the path of the money, above all in input and equipment sales.
Faster credit
Analysis starts from documents already collected and digitally validated. The decision stops waiting on paper moving between parties.
Lower rates
Lower risk and predictable settlement cut the premium funding demands, and the farmer sees it in the rate.
Direct investment
The operation can be securitized and distributed to investors through Oken Finance, under CVM Resolution 88.
Linked account: settlement stops being a promise
Funds enter a linked account and are released only to the agreed destination — the input supplier, the dealer, the service provider. Harvest proceeds return along the same path. Whoever funds the deal no longer depends on a third party doing the right thing.
How it works
From negotiation to settlement
The cycle of a credit assignment, from the format chosen during negotiation to the reviewed write-off.
The credit cycle
Negotiation and simulation
Terms and format: traditional or digital credit assignment. The proposal clears internal approvals before it goes out.
Proposal and acceptance
The borrower receives the proposal and accepts the term. Acceptance is recorded before definitive formalization.
Registration and escrow account
The final borrower is one tax ID, individual or company. The escrow account is opened at the partner bank and the deal beneficiaries are registered on it.
Formalizing the assignment
The term combines the negotiated conditions with the final identity, then is signed and sealed. After signing, the borrower can no longer change.
Funds release
The transfer goes out to the escrow account. Once the deposit lands, the split between beneficiaries is computed on the amount actually received.
Reviewed settlement
The write-off is filed by one operator and approved by another — total or partial, against the escrow balance or as an accounting write-off.
The value chain
- Origination
- Enrichment
- Tokenization
- Securitization
- Distribution
- Settlement
The escrow account at the center of the deal
- Origination · FIAGRO, CVM 88, CRA
- The vehicles through which funding enters the deal, from the fund to the receivables certificate.
- Monitoring · CAR, harvest alerts
- Tracking the crop across the season, which is what keeps the collateral alive after signing.
- Collateral control · CCV, CPR
- The instruments tying production to the debt: the rural producer note and the sale agreement.
- Market making
- The price formation that gives the buyer an exit and the funder a reference.
Instruments
How the operation reaches capital
The structure changes with who funds it and with the collateral available. These are the routes we use.
- Assignment of credit rights
- The originator transfers the receivable and advances cash, with the registered collateral following the assignment.
- Receivables discounting
- Advance on invoices and sales contracts, with digital confirmation of delivery.
- Reverse factoring
- The supplier is paid upfront and the term sits with the buyer, anchored on the buyer’s credit.
- Anchor credit
- A trader, dealer or manufacturer anchors the operation of its own supply chain.
- CRA
- Agribusiness receivables certificate, issued by a securitization company.
- FIDC
- Credit rights investment fund, for recurring portfolios.
- FIAGRO
- Investment fund for agro-industrial production chains.
This page describes credit structures and does not constitute a public offering of securities. Regulated offerings are conducted by Oken Finance under CVM Resolution 88.
About us
A financial service specialized in agriculture
Oken.ag is one of the three businesses of OnePercent, a financial technology holding active since 2017.
Engineering, custody and registry come from the holding, which has run issuance and on-chain registry since 2017. What Oken.ag adds is knowledge of the agricultural operation: which document exists, who confirms what, and when the money may leave.
We are not a digital platform looking for a market. We are a financial service for a specific market, using digital infrastructure because it handles collateral and settlement better than paper does.
Regulation
Regulated offerings and securitization are conducted by Oken Finance, which operates an in-house securitization company and a crowdfunding license under CVM Resolution 88.
Leadership
Anderson Nacaxe
CEO
Agribusiness specialist. Over 20 years in finance, working across barter, risk management and structured operations.
LinkedIn — Anderson Nacaxe
Fábio Junges
COO
Business, finance and M&A specialist. Over 20 years in business development, and a PhD in Business Administration.
LinkedIn — Fábio Junges
André Meirelles
CTO
Over 15 years in software development, with a blockchain development certification and senior specialization in smart contracts.
LinkedIn — André Meirelles
Fausto Vanin
CPO
Innovation and strategy certification from MIT, and a PhD in progress in Computer Science focused on blockchain.
LinkedIn — Fausto Vanin
Proudly Brazilian
Contact
Talk to a specialist
Tell us about your operation.