AGRO CAPITAL STANDARD®
TF INTELLIGENCE PLATFORM S.R.L.
API v4.11.2 · Live · GCP europe-west1
PRODUCTION ANALYTICS
MODEL ACS v4.11.2 · MC 10M · ERA5 · Rust
CROP
⚠ 0 ALERTS CONF —% RISK — ABI —
Case ID
Report Date
Crop
Region
Deal Size
Model
ACS v4.11.2
CONFIDENTIAL

Credit Decision Summary

Overall Risk
0–100 scale
IRR P50
Median return
DSCR Base
Debt coverage
Loss Prob.
P(loss) MC
RISK TOTAL
YIELD VOL
PRICE VOL
CLIMATE VOL
CVI 2024
CVI 10Y
YIELD P50 2025
DSCR P50
Debt coverage (threshold 1.2x)
LOSS PROBABILITY
out of 10,000,000 scenarios
CVI 2024
CVI
10Y avg
IRR (%)
P10: —P50: —P90: —
DSCR (x)
P10: —P50: —P90: —
Monte Carlo: 10,000,000 random scenarios simulating yield, price, and climate shocks. IRR = Internal Rate of Return. DSCR = Debt Service Coverage Ratio (min 1.2x).
CREDIT DECISION SUMMARY
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YIELD
PRICE
CLIMATE
LEVERAGE RISK
Loan Amount$500,000
Term5 years
Rate8% per annum
Equity30%
PEER GROUP BENCHMARK
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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

WORKFLOW & CASES

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

NEW DEAL ANALYSIS

Portfolio
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DEALSEVERITYOPEN EVENTSLATEST EVENT
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DEALBORROWERSTATUSREGIONCROPAMOUNTTERM RISKCLASSDSCRIRRLOSSPD 1YLGDVIABLE POLICYMEMO
PORTFOLIO HEALTH TREND
PORTFOLIO RISK ANALYTICS
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Select scenario and click RUN
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ANOMALY DETECTION
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Enter region and click DETECT
Scenario Comparison
Yield shock
−25%
Price shock
−20%
Correlation stress
+40%
Stress assumptions: yield shock reflects 1-in-10-year drought; price shock mirrors 2022 commodity correction; correlation stress models simultaneous adverse events across yield-price-climate factors.
📊BASE CASE
Current market conditions
⚠️STRESS SCENARIO
Adverse conditions applied
🟢OPTIMISTIC
Favorable market scenario
METRICBASESTRESSOPTIMISTIC
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Model Validation & Backtesting
MODULE 18
Upload your bank's historical default observations for production-grade model validation.
📁
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.
📄
Drop bank decisions CSV/JSON here
Required: deal_id, bank_recommendation · Optional: bank_pd, bank_rating
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
Click LOAD to fetch metrics
Click LOAD to fetch rate limit data
Click LOAD to fetch cache stats
EVENT IDTYPECREATED ATDETAILS
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ONE DATA CORE. SIX BUYER SURFACES.
Risk intelligence for every participant in the agricultural value chain.
FUND INTELLIGENCE
TerraSCORE™
Risk-adjusted land valuation for institutional investors. Independent assessment in 10 minutes.
ASSETS
13
PORTFOLIO
€7.57M
SCREENS
7/7 SKIN
ENGINE
v1.1
Classes: 1A · 5B · 7C
TERRASCORE.EU →
CREDIT INTELLIGENCE
ACS BANK OS™
Portfolio early warning, covenant engine, explainability layer. Basel II PD/LGD/EAD. DORA compliant.
QA
890/890
ENDPOINTS
460+
MONTE CARLO
10M runs
BANKS
14 tracked
AGROCAPITALSTANDARD.EU →
AGROCAPITALSTANDARD.COM →
PORTFOLIO MONITORING
PWE™
Real-time credit quality monitoring. Detects deterioration 30-90 days before default using NDVI, market, and behavioral signals.
LOANS
3 live
BATCH
02:00 UTC
SIGNALS
3 streams
ENGINE
ACTIVE
PWE MONITOR →
SUPPLY CHAIN
SC-OS™
Field-to-export visibility. Grain Passport, milestone disbursements, covenant monitoring, warehouse receipts.
CHAINS
1 active
PARTICIPANTS
3
DISBURSED
€45K
COVENANTS
COMPLIANT
SC-OS DASHBOARD →
CLIMATE INTELLIGENCE
CR-OS™
EBA Pillar 3 climate risk compliance. Physical + transition risk. Field-level. 5 business days.
FRAMEWORK
EBA P3
ENGINE
CR-v1.0
SCENARIOS
RCP 4.5/8.5
STATUS
WARM
CLIMATE RISK →
GOVERNANCE LAYER
ProvableCore™
Cryptographic proof for every AI decision. EU AI Act Art. 12 compliant. KMS-signed Decision Proofs. WORM archive 365 days. Offline verifiable.
MATURITY
90/100
TESTS
119/119
ENDPOINTS
33+
EU AI ACT
ACTIVE
DORA
COMPLIANT
PROVABLECORE.EU →
COMING SOON
DATA INTELLIGENCE
ACS DATA OS™
Q3 2026
Raw risk data API for quants, analysts, and institutional data consumers. Corn, wheat, sunflower — field level, Eastern Europe.
AGROCAPITALSTANDARD.EU/DATA
FARMER INTELLIGENCE
ACS.ORG
Q3 2026
Free AI-powered advisor for farmers. Human Capital Index scoring, NDVI field monitoring, Basel II credit readiness.
AGROCAPITALSTANDARD.ORG
STRUCTURED FINANCE
SPV FINANCE
Q4 2026
Special purpose vehicle financing for full agro production chains. Field to processor to buyer. Corn-to-starch modeled at 31% margin.
CORNPLATFORM.CAPITAL
5
PRODUCTS
32
COUNTRIES
240M+
BQ ROWS
890
QA TESTS
€7.57M
PORTFOLIO
14
BANKS
BRAND DISCLOSURE

AGRO CAPITAL STANDARD®, CORN PLATFORM®, and OILSEEDS PLATFORM® are registered trademarks of TF HOLDING S.R.L. (IDNO 1025604010126, Moldova). The ACS platform is operated by TF INTELLIGENCE PLATFORM S.R.L. (IDNO 1026604000661). All brand names, logos, and service marks are the intellectual property of their respective owners. Use of the ACS platform does not constitute an endorsement or guarantee of any financial product.

ANALYTICAL DISCLAIMER

ACS risk scores, Monte Carlo simulations, yield forecasts, and credit decision summaries are provided for informational and analytical purposes only. They do not constitute financial advice, credit recommendations, or investment solicitations. Past performance and modeled outcomes do not guarantee future results. All credit decisions remain the sole responsibility of the lending institution. Model outputs are subject to data quality, estimation uncertainty, and structural limitations.

DATA SOURCES

Climate data: ERA5 reanalysis (Copernicus Climate Change Service, ECMWF), 2000–2025, 0.25° resolution. Satellite imagery: Sentinel-2 SR Harmonized (Copernicus Programme) via Google Earth Engine. Administrative boundaries: GADM v4.1. Yield models: proprietary ML ensemble trained on FAO/national statistical office data. All data is processed and stored on Google Cloud Platform (BigQuery, europe-west1).

DATA PROTECTION & COMPLIANCE

The ACS platform processes data in compliance with applicable data protection regulations. No personally identifiable information (PII) of borrowers is stored or transmitted through the analytics engine. Deal-level data is anonymized and encrypted in transit (TLS 1.3) and at rest (AES-256). For inquiries regarding data handling practices, contact the Data Protection Officer at dpo@agrocapitalstandard.eu.

💱 ACS CURRENCY ENGINE ECB Official
Base currency: Commodity prices quoted in USD
Result
Rate: —
Current rates (base: EUR)
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