Promise Point AgriFintech
A bank account that answers a feature phone
Farmer registration, produce payments, savings and credit — reached by USSD and voice, delivered with licensed financial partners.
The access problem
Productive farmers. Infrastructure built for someone else.
What they lack is not capability — it is a financial system designed for a feature phone, a cash economy and a road that takes two hours to travel.
The branch is hours away
A day of travel and transport cost to withdraw money earned from a single delivery.
The phone is not a smartphone
Apps are not an option. Anything that requires data or a download excludes most of the network.
Money leaves immediately
Payment arrives and is moved out the same day, so no balance and no history ever accumulate.
No record means no credit
Years of reliable supply exist in nobody's system, so affordable financing stays out of reach.
Farm records are on paper
Plot size, yield and delivery history are fragmented across notebooks and memory.
Buyers change every season
Without a standing off-taker, price and payment timing are renegotiated at every harvest.
How it works
From registration to payment, in seven steps
- 1
Register
Through a field agent or by dialling the USSD code.
- 2
Get verified
Identity confirmed and a farmer profile created.
- 3
Supply produce
Cassava delivered to a collection point or lifted from the farm.
- 4
Delivery recorded
Weight and grade captured, receipt issued on the spot.
- 5
Payment deposited
Value paid into the farmer's partner-powered account.
- 6
Access the money
Balance, transfers, airtime and bills over USSD.
- 7
Profile strengthens
Every completed cycle improves credit readiness.
Register today
Dial the code on any phone
Registration is free. Dial *347*319#, choose the role you are registering as and follow the prompts — or ask any Promise Point field agent to register you on the spot.
DialCan’t read the menu? Call our AI voice line on +234 201 700 1183 and speak in Yoruba, Hausa, Igbo or English.
We do not charge for the menu itself; your network may charge for the session.
Financial services
Ten services, all reachable without internet
Financial accounts and regulated payment services are provided through licensed financial partners.
Promise Point is not a bank and does not hold customer deposits. Accounts, transfers and bill payments are operated by Fidelity Bank and our regulated payment partners.
Dedicated virtual accounts
A real account number in the farmer's name, issued by our banking partner.
Produce payments
Payment for a delivery lands in that account rather than as cash in a yard.
Balance enquiry
Check the balance from any handset, at any time, at USSD session cost.
Money transfers
Send to another Promise Point farmer or out to any Nigerian bank account.
Airtime and data
Buy for yourself or for a family member without leaving the farm.
Electricity and bills
Pay a meter or a subscription without a trip to town.
Transaction history
Every payment and deduction, readable and printable as a statement.
Savings
Set aside a share of each produce payment automatically.
Financing
Input and equipment credit assessed on real supply history, through partner lenders.
Mobile app
SoonFor farmers with a smartphone. Everything it will do is already available over USSD and voice — the app adds convenience, not capability.
Farmer data intelligence
Ten seasons of reliability, finally written down
Every registration, delivery, purchase and payment builds a profile a lender can actually read. Nothing is shared without the farmer’s consent, and every profile is held under Nigeria’s data-protection requirements.
- Farm size
- Crop type
- Production history
- Delivery consistency
- Purchase value
- Payment behaviour
- Platform engagement
- Repayment record
USSD and SMS delivered by Africa’s Talking · identity verification by Dojah