Agro Capital Standard®
Agro Capital Standard® TF Intelligence Platform
Institutional Agricultural Credit Risk Platform
ACS v4.11.13 · ENGINE STABLE · EU PRODUCTION

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

Request evaluation access Open Bank OS →
Products

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.

OPEN BANK OS → AGROCAPITALSTANDARD.EU → AGROCAPITALSTANDARD.COM →

ProvableCORE®

Cryptographically verifiable audit trail for AI-generated decisions. Merkle receipts, KMS-signed proofs, 10-year WORM retention. AGEPI filing 7671.

PROVABLECORE.EU →

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.

TERRASCORE.EU →

SentientROUTER®

Constitutional AI routing with multi-LLM consensus. 9-tier dispatch, provider-agnostic, built for regulated use cases. AGEPI filing 7672.

SENTIENTROUTER.EU →

Portfolio Early Warning

Daily monitoring of loan portfolio exposure to climate, market, and operational risk. Bundled with Bank OS Enterprise.

Trust signals

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.

Real data rows
240M+
ERA5 climate, Sentinel-2 NDVI, public agricultural sources
Bank-facing scoring
NO DATA → NO SCORE
No synthetic or fallback scoring in bank-facing surfaces
QA tests passing
912 / 912
ACS Baseline v0.1, Apr 2026
API endpoints
460+
Bank OS surface area
Coverage
DATA COVERAGE
European and Black Sea agricultural regions; coverage shown explicitly per region and crop
Governance
Data Integrity
Designed to support DORA and EU AI Act Article 12 reviews

Complimentary Evaluation Programme

ACS Bank OS®, ProvableCORE®, and TerraScore™ are available for evaluation by qualifying financial institutions and agricultural investors through a controlled Evaluation Access Code. Evaluation includes access to the live platform, methodology documentation, and a structured walkthrough with the engineering and governance teams. There is no public self-service access.

Decision-Support Disclaimer: The platform produces decision-support outputs for review by trained credit professionals. The bank analyst or credit committee remains the final decision-maker; the platform does not certify, guarantee, or substitute for any regulatory compliance obligation.

Contact

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