ACS
AGRO CAPITAL STANDARD™
TF INTELLIGENCE PLATFORM S.R.L.
Sample Workspace ACS sample dataset. Not bank-uploaded. Not a credit decision.
EVALUATION BUILD
MODEL ACS v4.11.11 · MC N=10K · ERA5 · per-deal Rust stress
CROP
⚠ ALERTS — CONF —% RISK — ABI —
Case ID
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Report Date
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Crop
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Region
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Deal Size
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Model
ACS v4.11.11

Credit Decision Summary

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Overall Risk
0–100 scale
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IRR P50
Median return
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DSCR Base
Debt coverage
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Loss Prob.
P(loss) MC
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RISK TOTAL
YIELD VOL
PRICE VOL
CLIMATE VOL
CVI 2024
CVI 10Y
YIELD P50 2025
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DSCR P50
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Debt coverage (threshold 1.2x)
LOSS PROBABILITY
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out of 10,000 scenarios per region/crop
CVI 2024
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CLIMATE VOLATILITY INDEX · 2000–2025
CVI
10Y avg
MONTE CARLO · IRR & DSCR
IRR (%)
P10: —P50: —P90: —
DSCR (x)
P10: —P50: —P90: —
Monte Carlo: 10,000 scenarios per region/crop tuple (Python builder v1.3.0) simulating yield, price, and climate shocks. IRR = Internal Rate of Return. DSCR = Debt Service Coverage Ratio (min 1.2x).
CREDIT DECISION SUMMARY
Not evaluated
RISK BREAKDOWN
YIELD
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PRICE
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CLIMATE
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LEVERAGE RISK
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DEAL PARAMETERS
Loan Amount$500,000
Term5 years
Rate8% per annum
Equity30%
COMMITTEE MEMO
Deal-bound credit committee paper. The memo is produced by the reporting service — it is never assembled in the browser.
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PROVABLECORE EVIDENCE CARD · SPLIT VERDICTS
SYNTHETIC SCENARIO — PREPRODUCTION KEY — NOT PRODUCTION EVIDENCE
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Receipt evidence is cryptographically attested through Google Cloud KMS using ECDSA P-256 (EC_SIGN_P256_SHA256).
SIGNING
ECDSA P-256
REAL-DATA SLICE · EUR/MDL FX COVENANT (T0B REHEARSAL)
REAL DATA · ONE DECISION · ORIGINAL RECEIPT PREPRODUCTION-HSM SIGNED AND UNCHANGED — PRODUCTION SOFTWARE-KMS ATTESTATION ADDED LATER (SOFTWARE KMS IS NOT HSM)
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PEER GROUP BENCHMARK
Select a region to load benchmark...

NDVI ALERTS —

SeverityRegionCountryCurrent NDVIBaselineAnomalyType

ABI LAND QUALITY INDEX

ABI CLASS DISTRIBUTION BY COUNTRY
■ PREMIUM ■ GOOD ■ AVERAGE ■ MARGINAL ■ DEGRADED
RegionABI ScoreClassCountryModel

COVENANT MONITORING

RED: — AMBER: — GREEN: —
Deal / BorrowerStatusCrop / ABIMemo

NEW DEAL ANALYSIS

SYNTHETIC SAMPLE — NOT BANK DATA — NOT A CREDIT DECISION. Illustrative portfolio dataset; deal rows are synthetic by provenance and are never bank-uploaded records.
Portfolio
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DISTRIBUTION BY CROP
PORTFOLIO BY RISK CLASS
EXPOSURE BY CROP ($)
COVENANT BREACH SUMMARY
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WATCHLIST — ACTIVE COVENANT BREACHES
DEALSEVERITYOPEN EVENTSLATEST EVENT
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ALL PORTFOLIO DEALS
DEALBORROWERSTATUSREGIONCROPAMOUNTTERM RISKCLASSDSCRIRRLOSSPD 1YLGDVIABLE POLICYMEMO
PORTFOLIO HEALTH TREND
PORTFOLIO RISK ANALYTICS
VALUE AT RISK (VaR)
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CONCENTRATION (HHI)
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STRESS TEST
Select scenario and click RUN
CORRELATION MATRIX
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ANOMALY DETECTION
ANOMALY SCAN
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ANOMALY DETECT
Enter region and click DETECT
Scenario Comparison
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DERIVED SCENARIO MULTIPLIERS
Stress · yield
×0.75
Stress · DSCR
×0.70
Stress · loss probability
×2.5
STRESS and OPTIMISTIC are arithmetic transforms of the BASE CASE by these fixed multipliers. They are not independent simulations, and no price or correlation term is applied. Only the BASE CASE comes from the risk service.
📊BASE CASE
Current market conditions
⚠️STRESS SCENARIO
Adverse conditions applied
🟢OPTIMISTIC
Favorable market scenario
SCENARIO COMPARISON TABLE
METRICBASESTRESSOPTIMISTIC
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💱 ACS CURRENCY ENGINE ECB Official
Base currency: Commodity prices quoted in USD
Result
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Rate: —
Current rates (base: EUR)
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Calibration & Model Validation
Import your bank's anonymised historical default observations and check them against what ACS needs in order to calibrate.
Local preview — this file has not been uploaded to ACS.
The file is read by this browser tab, parsed here, and discarded when the tab closes. No request carries its contents.
📁
Drag CSV or JSON file here, or click to browse
Accepted: .csv, .json · Required: deal_id, pd_predicted, default_occurred, observation_date
Run discrimination, calibration, and stability analysis on available observations.



Compare your bank's credit decisions against ACS model recommendations to measure alignment.
UPLOAD BANK DECISIONS
📄
Drop bank decisions CSV/JSON here
Required: deal_id, bank_recommendation · Optional: bank_pd, bank_rating
ACS DECISIONS
Upload bank decisions first — ACS will auto-match deal IDs
ACS Farm Score™ Leaderboard
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Register Farmer
Farmer Score Lookup
ADMIN PANEL
OBSERVABILITY — SYSTEM METRICS
Click LOAD to fetch metrics
RATE LIMITS
Click LOAD to fetch rate limit data
CACHE STATISTICS
Click LOAD to fetch cache stats
EVENT LOG
EVENT IDTYPECREATED ATDETAILS
No events loaded
API VERSION & CHANGELOG
Click LOAD to fetch changelog

WORK QUEUE

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OPEN CASES

OPEN: — CRITICAL: —
Case ID / Deal Severity Status Title SLA

SELECTED DATA CONTEXT

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Model Governance

Not implemented in this build. There is no model registry, no model-version history and no per-deal decision-owner attestation behind this panel.

What does exist today, and where to find it: model calibration and backtesting evidence on CALIBRATION; the sealed evidence records and their split verdicts on CASE FILE; per-region data coverage and its missing surfaces on CASE FILE → DATA COVERAGE.

This panel is listed so the gap is visible rather than silently absent.