TDX

TDX

TDX

A digital operating system for sourcing agricultural produce from farming communities in Africa

Accra, Ghana

GHA

For-profit, including B-Corp or similar models

Farming communities in emerging markets are disconnected from economic opportunity due to the high risks and inefficiencies buyers face when sourcing from these regions. Globally, over 500 million smallholder farming households support nearly 2 billion people, most of whom live in rural areas of developing countries. These producers operate in informal, under-capitalized systems that limit access to markets, finance, and digital tools. In Ghana alone, there are approximately seven million smallholder farmers mainly in rural area, who typically rely on community-based aggregators—informal intermediaries, often farmers themselves, to sell their produce. These aggregators represent a subset of the 345 million informal micro-enterprises operating across emerging markets. On average 70–90% of agricultural commodities in Ghana flow through such informal aggregation networks. However, these aggregators operate in a cash-based, low-infrastructure environments with no record-keeping and digital tools. This forces buyers to disburse significant amounts of physical cash without traceability or safeguards, increasing the risk of loss, fraud, and inefficiency. As a result, rural sourcing is risky for global off takers, financial institutions and large processors - excluding aggregators from financial services, rural farmers from better-paying markets and the broader agricultural economy from participating in global trade and financial systems.

TDX is a digital sourcing and financing platform that makes it easier, safer, and more efficient for buyers to source agricultural commodities from farming communities. Our solution includes a mobile app for community-based aggregators— informal sales agents. Through the app, they access working capital, process orders directly from buyers, make digital payments to farmers, and view real-time pricing. The app also tracks and scores transactions, building a performance history that improves sourcing efficiency and supports access to future credit. A second mobile app enables farm community members to earn income by collecting farm-level traceability data, including farmer biodata and farm maps. Farmers are paid directly via mobile money or bank accounts and receive premium pricing for traceable produce, improving transparency and creating local jobs. For buyers, TDX offers a web-based dashboard to place sourcing requests, track deliveries, and access verified supply data—eliminating reliance on informal, cash-based systems. At the core is a transaction engine, integrated with financial institutions, that digitizes payments and capital access—verifying first-mile trade and enabling safe, scalable rural financing. TDX turns informal trade into a structured, tech-enabled ecosystem, unlocking income, credit, and opportunity in underserved farming communities. https://www.youtube.com/watch?v=WJlhQns5JY8

TDX directly serves three underserved groups in rural farming communities across Ghana and, eventually, other emerging markets: community-based aggregators, unemployed rural youth (ages 18–35), and smallholder farmers. Community-based aggregators—informal micro-sales agents who coordinate sourcing on behalf of their peers. Operating in fragmented, cash-based systems, they lack access to credit, digital tools, and formal markets. TDX equips them with working capital, digital tools to execute orders, payments, and real-time pricing and a credit-building system based on verified trade to improve their income, efficiency, and financing eligibility. We also engage unemployed rural youth, among the estimated 1.55 million living in farming households in Ghana. TDX enables them to earn income by collecting traceability data such as farmer biodata and farm maps via a mobile app. Once verified, they receive payments directly through mobile money, creating dignified digital jobs in their own communities. Lastly, smallholder farmers—over 7 million in Ghana alone—gain access to premium pricing, guaranteed offtake, and direct digital payments. With their transactions documented, they begin to build financial records, unlocking future credit and inclusion in higher-value supply chains.