AgriGuard Uganda

Restricted Access

This platform is currently under evaluation by the
IRA / UNDP / ACI Selection Committee.
Access credentials have been distributed separately.

Designed & developed by Atine Labs™

Uganda aerial farmland
PILOT PHASE • Kamwenge District, Uganda

AgriGuard Uganda

Embedded Insurance for 3.5 Million Ugandan Farmers.

Parametric crop micro-insurance — triggered by satellite data, paid via mobile money in 48 hours, accessible on any phone. Zero paperwork. Zero disputes.

🛰  Satellite-Triggered 📱  Mobile Money Payouts 📞  USSD · Any Phone ⚡  48-Hour Payouts
USSD Demo Get Insured Now See How It Works →

48 hrs

Avg payout time

Zero

Claims to file

Any phone

No smartphone needed

3.5M

Uninsured Farmers

0.0003%

Current Penetration

UGX 45.5B

Market Opportunity

73%

Mobile Money Access

Scroll

The Problem

Uganda's 3.5 Million Farming
Households Have No Safety Net

Every climate shock — drought, flood, pest — wipes out a season's income with zero financial recovery mechanism.

"Every morning I farm to pay my children's school fees. When the rains fail, everything collapses."

— Smallholder farmer, Kamwenge District, Uganda

0.0003%

Micro-insurance penetration in Uganda

Nearly zero financial coverage for smallholders

70%

Uganda workforce in agriculture

FAO / UBOS, 2024 — majority smallholder

0.8%

Total insurance penetration — stagnant since 2013

vs 2.8% Africa avg, 7% global

<20%

Smallholders with any crop insurance

Uganda Insurers Association, 2026

24%

Agriculture's share of Uganda GDP

World Bank / UBOS, 2024 — largest sector

UGX 2T

Uganda insurance industry gross premium

Insurance Regulatory Authority, 2025

73%

Ugandans with mobile money access

GSMA Mobile Economy Sub-Saharan Africa, 2024

3.5M

Uninsured farming households — AgriGuard's TAM

UBOS National Agricultural Census, 2024

How AgriGuard Works

Embedded at the Point of Sale
Automatic, Simple, Affordable

Three steps. No paperwork. No loss assessors. No smartphone required.

01

BUY

Farmer buys seeds at agro-dealer. Insurance auto-enrolled via USSD (dial code pending allocation). No paperwork. No agent visit. Any basic phone.

Indicative Rate

UGX 6,500 / acre / season

02

MONITOR

Satellite parametric engine monitors rainfall 24/7 via Copernicus/NASA CHIRPS data. Auto-triggers at drought or flood threshold — no claim needed.

DROUGHT TRIGGER

<60% of 20-yr avg rainfall for 21+ consecutive days

FLOOD TRIGGER

>250% of 20-yr avg rainfall for 7+ consecutive days

03

PAY

Mobile money payout direct to farmer's phone within 48 hours. MTN or Airtel. Zero claim filing. Zero paperwork. Zero disputes in pilot.

31 hrs

Avg payout

0

Disputes

Satellite Monitoring — Active 24/7

Copernicus ERA5 reanalysis + NASA CHIRPS rainfall data streams are continuously analysed against each enrolled farmer's district. When a parametric threshold is breached, payouts are automatically initiated — no human intervention required.

24/7

Monitoring

Active

Status

The Story

See AgriGuard in Action

A first-hand look at how parametric micro-insurance is transforming climate resilience for Uganda's smallholder farmers.

AgriGuard Uganda • Pilot Documentary

See How Parametric Insurance Works

Kamwenge District Pilot • 2024–2025 Season • 250 Farmers

🎬 Click to load video — streams on demand

▶ Open video in full player →

📹 AgriGuard Uganda pilot — Kamwenge District, 2024–2025 season • Produced by Atine Labs™

Platform Metrics

Live Performance Data

PILOT COHORT DATA Kamwenge Pilot • 250 Enrolled Farmers • Stats are indicative pilot figures Updated continuously

Farmers Enrolled

250

PilotTarget 5,000

Kamwenge District • Season 2024B–2025A

Payout Events

3

Drought events: 2
Flood events: 1

0 disputes across all 3 events

Avg Payout Time

31hrs

31 hrs

AgriGuard

vs

21 days

Industry avg

Season Retention

78%

vs <20% micro-ins. industry baseline

Satisfaction Rate

87%

Post-season farmer survey

Seasons Completed

2

2024B and 2025A seasons

Disputes Filed

0

Perfect record across all payouts

Total Addressable Market — Uganda

Farming Households

3.5M

1 acre × UGX 6,500/acre × 2 seasons

UGX 13,000

Annual Addressable Market

USD 12.2M

USSD Interface

Works on Any Phone.
No Internet Required.

Uganda has 34 million mobile money users — but most farmers use basic feature phones. AgriGuard's USSD interface is designed for any mobile handset — no internet required. Dial codes are pending allocation on MTN and Airtel Uganda.

1

Open the USSD menu on any mobile handset

Dial code pending network allocation — MTN & Airtel Uganda

2

Provide your phone number and crop/plot details

Simple registration — completed at agro-dealer or independently

3

Pay indicative premium (UGX 6,500/acre/season) via mobile money

MTN MoMo or Airtel Money — instant confirmation SMS sent

4

You're covered. Satellite takes it from here.

No forms. No agent visits. Payouts arrive automatically if thresholds are breached.

MTN Uganda

Airtel Uganda

Lyca Mobile

9:41 AM
DEMO
MTN

AgriGuard Uganda

Welcome to AgriGuard

[ Interactive Simulation ]

================

1. Register for Cover

2. Check Policy Status

3. Check Payout Status

4. Carbon Credits Balance

5. Contact Agent

================

Reply with option

_

Green Farmer Programme

Earn Carbon Credits.
Get Paid to Farm Smart.

The Green Farmer Carbon Credit Programme creates a second income stream for smallholders who adopt climate-smart agriculture — verified under the Verra VCS standard.

Verra VCS Verified Carbon Standard

The Green Farmer
Carbon Credit Programme

Farmers who implement soil health practices — cover cropping, reduced tillage, agroforestry — earn verified carbon credits. AgriGuard aggregates these credits and sells them on international carbon markets, returning a share directly to farmers via mobile money.

Verra

VCS Standard

East Africa

Coverage Target

500K+

Farmers by 2030

1

Enrol & Adopt Practices

Farmer registers for both micro-insurance and the carbon programme via USSD. Receives guidance on approved climate-smart practices.

2

Satellite Verification

NDVI vegetation indices and soil carbon remote sensing verify adoption of practices each season. No site visits required.

3

Credits Issued & Paid

Verified Verra VCS credits are issued and sold. Revenue share paid to farmer directly via MTN/Airtel mobile money each season.

Scale & Impact

From 250 to 500,000
Farmers Protected by 2030

Leveraging Uganda's existing agro-dealer, cooperative, and mobile money infrastructure for nationwide coverage.

Now → Q4 2026

5,000

Kamwenge + 3 adjacent districts

2027

50,000

NUCAFE/UNADA national partnership

2028

200,000

East Africa regional pilot begins

2030 Target

500,000+

East Africa market leader

Distribution Partner Network

Ready-to-activate distribution at launch — no cold-start problem

Partner Reach Role Status
UNADA — Uganda National Agro-input Dealers Assoc. 15,000 dealers nationwide POS enrollment, premium collection Active — Pilot
NUCAFE — Uganda Coffee Farmers Alliance 280,000 farmers Cooperative-based enrollment & awareness MOU Stage
MTN Uganda & Airtel Uganda 34M mobile money users Premium collection, payout disbursement Active — Pilot
Uganda Cooperative Alliance 8,000+ cooperatives Bulk enrollment, farmer education Engagement

Live Satellite Feed

Satellite Monitoring
Kamwenge District

Live NDVI vegetation health indices and rainfall anomaly data — the exact signals powering AgriGuard's parametric payout triggers in real time.

Satellite Imagery & NDVI Vegetation Index

🛰 Aerial View — Kamwenge District · ESRI World Imagery

LIVE
Observation Date:
−1 (Water/Bare)
+1 (Dense Crop)
0.00.20.40.60.8

Source: NASA Earthdata GIBS / MODIS MOD13A2 · Updated every 8 days

Rainfall Anomaly — 30 Day

vs 20-yr seasonal average · Open-Meteo ERA5

Loading…

7-Day Total

—

mm

30-Day Anomaly

—

vs seasonal avg

Trigger Status

—

parametric

Daily rainfall
Seasonal avg
Drought trigger
Flood trigger
Source: Open-Meteo ERA5 Reanalysis
☀️

Drought Trigger Assessment

<60% of 20-yr avg for 21+ consecutive days

Loading
Consecutive dry days (below threshold) —
0 daysTrigger: 21 days

🌊

Flood Trigger Assessment

>250% of 20-yr avg for 7+ consecutive days

Loading
Consecutive flood-condition days —
0 daysTrigger: 7 days

Data sources: NASA Earthdata GIBS (MODIS Terra MOD13A2 NDVI · 250m resolution) · Open-Meteo ERA5 Reanalysis (precipitation) · Kamwenge District coordinates: 0.1856°N, 30.4567°E · Auto-refreshed on page load

Get Covered Today

Protect Your Farm.
Secure Your Family.

For just UGX 6,500 per acre per season (indicative), AgriGuard automatically protects your crops from drought and flood — paid within 48 hours, on any phone.

USSD Channel — Any Mobile Handset

USSD Dial Code
Coming Soon

MTN & Airtel Uganda · Any handset · No internet needed

UGX 6,500/acre/season

≈ USD 1.75

48-hour payouts

Drought & flood cover

Zero paperwork

Fully automatic

For Farmers

Register via USSD to enrol

Or visit your nearest agro-dealer. Ask about AgriGuard at the checkout when buying seeds or fertiliser.

For Partners & Investors

Scale with AgriGuard

Join our distribution network or invest in East Africa's fastest-growing parametric micro-insurance platform.

Register

Register Your Farm

Join the AgriGuard protection network. Takes under 2 minutes. We'll contact you for USSD enrollment confirmation.

Your data is stored locally and securely. AgriGuard agents will contact you to complete enrollment.

Admin Portal