# Oken.ag — agribusiness credit with enriched collateral > Financial solutions for those who fund the field. Enriched, registered collateral, analysis built on pre-validated documents, and settlement through a linked account, for input and equipment sales and working capital. - **Site:** https://oken.ag/en - **Language:** en - **Holding:** OnePercent — https://www.onepercent.io - **Content last reviewed:** 2026-10-22 - **Other language:** https://oken.ag/pt/index.md ## 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. ## More credit extended, with less risk per unit lent _For those who fund agribusiness_ 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. ### 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. ### 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. ## From negotiation to settlement _How it works_ The cycle of a credit assignment, from the format chosen during negotiation to the reviewed write-off. ### The credit cycle 1. **Negotiation and simulation** — Terms and format: traditional or digital credit assignment. The proposal clears internal approvals before it goes out. 2. **Proposal and acceptance** — The borrower receives the proposal and accepts the term. Acceptance is recorded before definitive formalization. 3. **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. 4. **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. 5. **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. 6. **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 Four parties revolve around the escrow account: who borrows, who funds, what secures and who pays. Funds come in and go out through it, and that is what takes settlement out of the realm of trust. | Term | Instruments | What it is | | --- | --- | --- | | 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. | ## How the operation reaches capital _Instruments_ The structure changes with who funds it and with the collateral available. These are the routes we use. | Instrument | Description | | --- | --- | | 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._ ## A financial service specialized in agriculture _About us_ 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: https://www.linkedin.com/in/anderson-nacaxe-8b2aa119/ - **Fábio Junges** — COO. Business, finance and M&A specialist. Over 20 years in business development, and a PhD in Business Administration. LinkedIn: https://www.linkedin.com/in/fabiomjunges/ - **André Meirelles** — CTO. Over 15 years in software development, with a blockchain development certification and senior specialization in smart contracts. LinkedIn: https://www.linkedin.com/in/afmeirelles/ - **Fausto Vanin** — CPO. Innovation and strategy certification from MIT, and a PhD in progress in Computer Science focused on blockchain. LinkedIn: https://www.linkedin.com/in/faustovanin/ ## Contact Tell us about your operation. Contact is through the form on the site. No e-mail address is published on this page. --- _About this file: Markdown version of the page, generated from the same content the site renders. If it differs from the HTML, the HTML is the source._