Committee-ready credit risk evidence
for agricultural lending.
Agro Capital Standard™ combines real agronomic, climate, and portfolio data into Basel-aligned PD / LGD / EAD evidence, deterministic explainability, and a governance architecture designed to support EU AI Act and DORA decision-support requirements. Bank credit committee remains the final decision-maker.
Moldova · Romania · European Union
Five institutional surfaces. One data core.
Agro Capital Standard™ is structured as five complementary products serving banks, institutional lenders, and portfolio investors across the credit lifecycle — from origination decisioning to portfolio monitoring.
ACS Bank OS™
Credit decisioning platform for banks lending to farmers. Trust score, risk assessment, portfolio analytics, evidence card with audit trail. Deployed in EU production.
ProvableCORE
Cryptographically verifiable audit trail for AI-generated decisions. Merkle receipts, KMS-signed proofs, WORM storage with retention locked for 2,557 days (approximately 7 years).
TerraScore™
Region-level agronomic and climate risk scoring. ERA5 climate data, Sentinel-2 NDVI, 10-year yield history. Designed for farmland investors, insurers, and banks.
SentientROUTER™
Constitutional AI routing with multi-LLM consensus. 9-tier dispatch, provider-agnostic, built for regulated use cases.
Portfolio Early Warning
Daily monitoring of loan portfolio exposure to climate, market, and operational risk. Bundled with Bank OS Enterprise.
Real data. Deterministic methodology. Committee-ready evidence.
The Agro Capital Standard™ platform's analytical models are validated against real agricultural data with full audit trail. No synthetic training data. Methodology traces to Basel-aligned PD / LGD / EAD framework with explicit calibration documentation.
Corporate structure, disclosures and platform directory.
TF HOLDING S.R.L.
Brand Owner · IP Holder
IDNO 1025604010126
MD-5101, str. Independenței 4/40, Dondușeni, Moldova
tfholding.md · contact@tfholding.md
+373 600 08884 (Moldova) · +39 352 000 8884 (Italy)
TF INTELLIGENCE PLATFORM S.R.L.
Operational IT · Data Platform
IDNO 1026604000661 · Reg. 26.02.2026
MD-5101, str. Independenței 4/40, Dondușeni, Moldova
agrocapitalstandard.eu
contact@agrocapitalstandard.eu ·
dpo@agrocapitalstandard.eu
Brand disclosure
AGRO CAPITAL STANDARD™, CORN PLATFORM™, and OILSEEDS PLATFORM™ are 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
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). Inquiries: dpo@agrocapitalstandard.eu.
Platform directory
agrocapitalstandard.eu · production | agrocapitalstandards.com · informational | agrocapitalstandard.org · farmer tools | agrocapitalstandard.com · Americas | cornplatform.com | oilseedsplatform.com | cornplatform.capital
CE · High-Risk AI System · Annex III Point 5(b) · EU AI Act 2024/1689 · ACS-QMS-DC-007 · TF Intelligence Platform S.R.L. IDNO 1026604000661
What Agro Capital Standard is — and is not.
What is Agro Capital Standard?
Agro Capital Standard (ACS) is an institutional agricultural credit risk platform operated by TF Intelligence Platform S.R.L. (Moldova). It turns agronomic, climate and portfolio data into Basel-aligned credit risk evidence — PD, LGD and EAD — for banks lending to agriculture.
What is ACS Bank OS?
ACS Bank OS is the bank-facing workspace: a work queue of credit cases, case files with risk and covenant evidence, portfolio monitoring, scenario analysis and model calibration tooling for credit and risk teams.
Does ACS make the credit decision?
No. ACS is decision support. It produces evidence and analysis; the bank credit committee remains the final decision-maker. Outputs are not financial advice, credit recommendations or investment solicitations.
What do PD, LGD and EAD mean here?
PD is the modelled probability that a borrower defaults within twelve months. LGD is the expected share of the exposure lost if default occurs, after collateral recovery. EAD is the outstanding amount at the time of default. Together they produce Expected Loss for provisioning.
What does "sample" or "evaluation" mean?
Without an authorized evaluation access code, the Bank OS shell shows a clearly labelled synthetic sample — not bank data and not a credit decision. Governed data stays unavailable until access is authorized, and unavailable is always shown as unavailable, never as zero.
What are the limitations?
Model outputs depend on data quality and coverage. Where data for a region or crop is missing, ACS shows no score rather than inventing one — no data means no score. Coverage today centres on Moldova, Romania and the European Union as stated on this page.
ACS indicator glossary.
Definitions for the indicators and abbreviations used across the ACS platform surfaces — ABI, CVI, HCI, NDVI, PD, LGD, EAD and the rest. Moved here from the Bank Workspace so the operational terminal stays operational.
📖 ACS Indicator Glossary (80 terms)
Request evaluation access.
For institutional partnership inquiries, due diligence requests, or technical evaluation under the Complimentary Evaluation Programme, write to the platform team.
Platform: contact@agrocapitalstandard.eu
Group: contact@tfholding.md
Data Protection Officer: dpo@agrocapitalstandard.eu
Operator: TF Intelligence Platform S.R.L. · IDNO 1026604000661 · Dondușeni, Republic of Moldova