What is the name of your organization?
Agrail
What is the name of your solution?
Agrails-Holmes.AI
Provide a one-line summary or tagline for your solution.
AI-powered investigative platform optimizing climate finance, nature credits digital MRV, and sustainable climate action.
In what city, town, or region is your solution team headquartered?
Nairobi, Kenya
In what country is your solution team headquartered?
KEN
What type of organization is your solution team?
For-profit, including B-Corp or similar models
Film your elevator pitch.
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What specific problem are you solving?
By 2050, Africa will be home to a quarter of the world's population and a third of its workforce, yet it faces major financial and environmental challenges. Only 3% of Africans have insurance, and just 30% have access to financial credit, limiting economic growth and resilience. Meanwhile, despite sequestering 546 million tonnes of carbon annually, Africa's smallholder farmers capture less than 0.1% of potential carbon credit revenue—missing out on a $21.8 billion opportunity.
Agrails - Holmes.AI is changing this by building a Generative AI platform that enables farmers to access climate finance in minutes instead of months, while receiving real-time carbon market insights and climate adaptation strategies. This also allows 56 million small businesses in Europe and the Americas to purchase impact-driven carbon credits in just three clicks.
Additionally, Holmes.AI makes climate and agriculture insurance 70% cheaper, reduces processing time from six months to minutes, and expands financial institutions’ market reach by 100X—empowering millions and driving sustainable economic growth.
What is your solution?
Holmes.AI by Agrails is an AI-powered platform designed to help smallholder farmers access climate finance, affordable insurance, and carbon markets—quickly, affordably, and at scale. Built on advanced Generative AI technologies (Hyperfusion and Hyperscaling), the platform transforms low-resolution satellite imagery into high-precision insights for farm mapping, risk assessment, and carbon credit verification.
For organizations like banks, insurers, and carbon market players, Holmes.AI offers powerful dashboards and APIs. These tools allow them to quickly assess risk, monitor projects, and process payments—all in real-time and at a fraction of the cost compared to traditional methods.
The platform is powered by technologies like Hyperfusion AI (which combines different data sources for accurate insights), Hyperscaling AI (which enhances satellite images), and computer vision for mapping and analysis. We're also working on integrating blockchain to make payments for carbon credits more secure and transparent.
Our solution uses a mix of AI, GIS, computer vision, SMS, mobile apps, and APIs, with future integration of blockchain for secure payments. Holmes.AI has been developed to revolutionizing climate-smart agriculture and financial inclusion by turning untapped environmental assets into income and resilience for underserved communities.
Who does your solution serve, and in what ways will the solution impact their lives?
Our solution, Holmes.AI, serves smallholder farmers in Africa, one of the most climate-vulnerable and financially excluded populations through a hybrid B2B and B2B2C model. We offer a Generative AI-powered platform that enables financial institutions, insurers, and carbon credit developers to conduct real-time climate risk assessments, price insurance products, monitor carbon credits, and extend financial access to underserved communities.
By digitizing and translating complex climate, agricultural, and carbon data into actionable insights, Holmes.AI bridges the gap between institutions and smallholder farmers. These farmers, many of whom live below the national poverty line, often lack access to credit, insurance, and climate information—limiting their ability to adapt to shocks or invest in more resilient practices. Holmes.AI directly addresses these challenges, equipping them with the tools and information needed to improve their financial stability and climate resilience.
With over 3 million active endpoints and growing currently, Agrails-Holmes.AI creates both economic and environmental impact by empowering underserved communities and enabling transparent, inclusive participation in climate finance systems.