Agricultural Intelligence & Risk Infrastructure

Umay Ana Vertical AI

Sürdürülebilir Tarım

Sustainable Farming

“Don't wear out your soil. Or your wallet.”

Fewer inputs, healthier soil, stronger yields.

Umay Ana uses AI to recommend sustainable and regenerative farming methods suited to your region and crop, step by step. Cut back on fuel, fertilizer and unnecessary tillage while preparing your soil for the future.

Karbon Günlüğü

Carbon Diary

“Record it today. See its value tomorrow.”

Log today's farming, get ready for tomorrow's opportunities.

Log your production activity regularly, track your carbon footprint, and build your own data history — one you can use for future sustainable farming support, financing and carbon programs.

Akıllı Hafta Planı

Smart Weekly Plan

“The next 7 days of your field or garden, in your pocket.”

Let Umay Ana tell you what to do in the field this week.

Weather, your crop, your region and current conditions are all evaluated together by AI. See your weekly roadmap in advance — for irrigation, fertilizing, upkeep and risk.

Ne Eksem?

What Should I Plant?

“Don't guess what to plant. Ask the data.”

What could you plant to earn more from your land?

Select your region. Umay Ana uses AI to analyze past climate data, current conditions and the period ahead — and shows you which crops suit your region best, and why.

Agricultural Risk Intelligence · Vertical AI

Turning field data into financial intelligence.

Umay Ana starts with a live application that creates value for farmers, then turns structured field signals generated by each analysis into decision intelligence for banks, insurers, reinsurers, ministries and the agricultural industry.

Institutional Risk & Data Meeting For Investors

Banking · Insurance · Reinsurance · Public sector · Agribusiness

The live app powering the field-data engine

19 languages · Crops + livestock · Structured analysis data · Institutional-scale vision

Live field-data generation Agricultural Vertical AI 19 languages Crops + Livestock Aybil Agricultural Technologies
Umay Ana - Analyze your houseplant with a photo Umay Ana - Smart advice for your crops Umay Ana - Know your plants, increase yield Umay Ana - AI-powered farming assistant
Platform Thesis

The app is the distribution layer. The strategic asset is the growing agricultural data and AI layer.

Umay Ana's long-term value is not limited to subscription revenue. It comes from transforming signals generated by real field usage — processed under appropriate permissions and data policies — into stronger risk models, early warnings and institutional decision tools.

01 · FIELD INTERFACE

Real utility for farmers

Photo analysis, crop planning, disease and care support, livestock health, ration and production tools create daily user value.

02 · DATA LAYER

Structured field signals

Analysis outputs become meaningful data points through time, crop/livestock type, context, image findings and — where permitted — location information.

03 · VERTICAL AI

Domain-specific intelligence

The growing data asset can support agriculture-specific models for classification, risk scoring, regional anomaly detection and time-series forecasting.

04 · INSTITUTIONAL INTELLIGENCE

Data that becomes decision support

Portfolio risk indicators, early warning, regional visibility and API-based data products for banking, insurance/reinsurance, public institutions and agribusiness.

Data Flywheel

Every use can contribute to a more valuable agricultural observation network.

The goal is not to accumulate raw data. It is to validate useful signals, aggregate them in privacy-aware ways, and convert them into decision-grade intelligence.

01

Field Interaction

Photos, analysis requests and production inputs.

02

AI Analysis

Health, risk and recommendation outputs.

03

Quality & Context

Enrichment with time, crop, region and confidence.

04

Risk Map

Regional and temporal patterns from individual analyses.

05

Institutional Intelligence

Credit, underwriting, claims, public and supply decisions.

06

More Utility

Better product → more usage → stronger data network.

Core principle: Institutional value is designed to come from aggregated risk intelligence derived from permissioned, safely processed field signals — not from selling personal data.

The Economic Stakes

Agricultural risk is now balance-sheet risk.

Climate volatility, agricultural knowledge loss and the insurance protection gap create measurable financial exposure for every institution that lends to, insures, reinsures or supports the food system.

$3.26 trillion

Global agricultural losses from disasters over 33 years (FAO, 1991–2023)

$99 billion/yr

Average annual agricultural loss — roughly 4% of global agricultural GDP (FAO)

$76 billion

Global crop insurance protection gap; ~55% of insurable crop value unprotected (Swiss Re, 2024)

Age 58

Average US farmer age; producers under 35 make up less than 10% (USDA, 2022)

How much of the world's insurable crop value is protected? (Swiss Re, 2024)

45% — Insured 55% — Unprotected ($76B gap)

This is where Umay Ana's economic layer emerges: combining field signals by crop, region and time to create new data products for credit risk, underwriting, claims triage, parametric product design, public intervention and supply-chain decisions.

Sources: FAO, The Impact of Disasters on Agriculture and Food Security (2025) · USDA Census of Agriculture (2022) · Swiss Re Institute, Crop Insurance Resilience Index (2024)

AI Token Ecosystem · Roadmap

Extending the data economy with a utility-token layer tied to measurable network value.

The planned token architecture is designed to align high-quality field contribution, expert validation, institutional data demand and AI-service consumption in one economic loop. The design focus is utility and incentives — not speculative appreciation.

01 · CONTRIBUTE

Verifiable contribution

High-quality field data, expert validation and targeted data missions can be incentivized through quality scoring and provenance.

02 · VERIFY

Quality before reward

Duplicate, low-quality or manipulated data should not earn rewards; confidence scoring, cross-validation and anti-abuse controls are part of the economic design.

03 · USE

Utility for AI services

The token/credit layer can be designed as a unit of consumption for AI analyses, advanced models, API calls, expert validation or selected data services.

04 · SPONSOR

Connect enterprise demand to the field

A bank, insurer or ministry could sponsor verified data needs for a crop or region, using economic incentives to direct field participation.

05 · NETWORK ECONOMICS

Economics supported by usage

AI compute, data quality, model development and enterprise services create real costs and utility. Token rules should be tied to this measurable activity for sustainable economics.

06 · COMPLIANCE

Data rights, licensing & regulation

The token economy should scale only with clear data permissions, privacy controls, enterprise licensing, AML/KYC requirements and jurisdiction-specific regulatory design.

Institutional Data Demand
Targeted Field Mission
Verified Signal
Token / Credit Incentive
Stronger AI & Data Product

The token layer is a roadmap concept. Final technical, legal and economic design will be developed for applicable jurisdictions before launch. This section does not promise investment returns or token-price appreciation.

Institutional Product Layer

The same field network becomes a different risk product for each institution.

Large institutions do not buy raw data; they buy signals that change decisions. Umay Ana's B2B/B2G layer is designed to productize those signals as APIs, dashboards, risk scores and early-warning services.

BANKING

Agricultural & Industrial Banking

Decision support combining crop-health, regional stress and harvest-risk signals with agricultural credit portfolio visibility.

Output: Portfolio Risk Index · Early Stress Signal · Regional Exposure
INSURANCE

Insurance

Field visibility before underwriting, claims triage, crop-risk trends and supplementary signals for parametric-trigger design.

Output: Underwriting Signal · Claims Triage · Parametric Support
REINSURANCE

Reinsurance

Country- and region-level agricultural stress clustering, accumulation risk and comparable field indicators across portfolios.

Output: Accumulation Map · Regional Risk Trend · Portfolio Benchmark
PUBLIC SECTOR

Ministries & Public Sector

Regional disease/stress signals, intervention priority, subsidy targeting and field-fed early-warning visibility.

Output: Early Warning Map · Intervention Priority · Program Monitoring
AGRIBUSINESS

Agribusiness & Supply Chain

Field analytics for crop health, disease spread, production stress and procurement planning across supplier regions.

Output: Supply Risk · Crop Condition · Procurement Signal
DEVELOPMENT FINANCE

Development Finance & Programs

A low-cost digital observation layer to monitor the field impact of climate-adaptation programs, agricultural lending and regional support.

Output: Impact Signal · Program Coverage · Field Evidence
Live productOn App Store and Google Play
19 languagesMulti-region deployment foundation
Crops + livestockOne agricultural intelligence layer
Data → AI → RiskLong-term institutional product roadmap
Signal Coverage

Agricultural risk does not stop at the crop.

Umay Ana's scope goes beyond crops — from cattle and small ruminants to poultry, even hobby species like pigeons. Alongside practical tools like feed/ration planning and breeding calendars, it also includes a Carbon Diary where farmers log sustainable practices with photo and location evidence.

Carbon Diary (sustainable practice evidence) Cattle & small ruminants Poultry farming Animal health pre-assessment Feed/ration calculator Breeding/insemination calendar Hobby livestock (pigeons, etc.)
Umay Ana - Smart livestock support

Named after Umay Ana, an ancient mother goddess who guards fertility and the earth.

Intelligence Guides

Explore the institutional side of Umay Ana.

How structured field signals can evolve from farmer utility into agricultural risk and financial decision support.

B2B · 90-DAY PILOTInstitutional Pilot PackageA configurable 10,000-participant reference pilot for activation, field signals, data quality, API integration and institutional validation.B2B · DATA CONTRACTAgricultural Data Dictionary95 field definitions across crop, weather, plant health, sustainability, livestock, provenance and proposed institutional signals.ENTERPRISE · OPENAPI 3.1Institutional API Specification v1Proposed B2B contract for banking, insurance, portfolio intelligence and MRV integrations — with permission, scope and decision boundaries.VERTICAL AIAgricultural Vertical AIWhy domain workflows and structured field context matter beyond generic AI.ARCHITECTUREHow Umay Ana WorksFrom farmer interaction to structured field signal, governance and aggregated intelligence.DATA FLYWHEELFrom Farmer App to Agricultural IntelligenceHow useful farmer interactions can become contextualized field signals and, over time, a governed intelligence layer.RISKAgricultural Risk IntelligenceTurning field events into contextual signals that can be monitored over time.FINANCEAI for Agricultural BankingA complementary field-data layer for agricultural credit and portfolio monitoring.INSURANCEAI for Crop InsuranceStructured field evidence that can complement weather, satellite and claims information.BANKING · CREDIT RISKAgricultural Credit Risk & Field DataHow crop, location, season, weather and observed field risks can enrich a bank's existing credit process.INSURANCE · REINSURANCEAgricultural Insurance Risk & Field IntelligenceHow field observations can support early warning, claim triage, portfolio accumulation analysis and reinsurance context.REGENERATIVE · CARBON · FINANCERegenerative Agriculture, Carbon Data & Green FinanceHow documented practices can become better evidence for MRV, EU carbon farming, green lending and future sustainability programs.CARBON DIARY · MRVCarbon Diary & MRV ReadinessA technical model for turning farmer-recorded practice evidence into interoperable inputs for future MRV, verification and certification partners.

If agriculture is on your balance sheet, the signals you need are in the field.

We are open to working with banks, insurers, reinsurers, ministries, development institutions and agribusinesses on data, risk and AI integration.

Experience the field layer