We're a two-sided marketplace sitting between farmers who need capital and investors who want agricultural returns. We take a small cut of the value flowing across the platform — then layer on recurring and financial revenue as we grow. Here's every stream, with real numbers.
List & tokenize livestock/crops to raise capital
The rails, trust & ledger connecting both sides
Buy fractional tokens, share the harvest
Every listing that gets funded earns Kropitaal across several fee lines at once. Adjust the numbers to see how much one deal makes us.
Grouped by when they switch on. We start with the transaction lines, then add recurring and financial revenue — expanding our blended take-rate over time.
A percentage of every token purchase, charged to the investor at checkout. Scales directly with volume, no extra work per deal.
A commission on the capital a farmer raises, taken at payout. This is the biggest single line — we only earn it when the farmer succeeds.
A flat fee to mint and list an asset. Covers verification cost and filters out non-serious listings.
A cut of the investor profit at exit — venture-style carried interest. Aligns us with good outcomes: we win only when investors do.
An annual percentage of total assets under management. Predictable, recurring revenue — the line that makes us "fintech-valuable," not just cyclical.
Commission on embedded livestock/crop cover. Double win: it earns revenue and de-risks the whole product, answering investors' #1 fear.
Funds sit in escrow between purchase and payout. Parked in an interest-bearing account, that float earns yield — pure financial income.
When investors trade tokens to each other before maturity, we take a fee. Liquidity boosts primary sales too (less fear of lock-in).
Markup on currency conversion when foreign & diaspora investors fund African farms. Rivals the core commission once we go global.
Pro tiers: farmers get analytics & faster payouts; investors get early access & lower fees. High-margin recurring revenue.
Once we know which farmers deliver, we lend against tokenized assets and earn the interest spread. The highest-margin, most defensible line.
Sell anonymized valuation/credit data to banks & insurers, and license the whole platform to co-ops and other markets.
We launch on the transaction lines alone, then grow the cut we earn on every rand as recurring, financial and lending revenue come online. That arc is what turns a marketplace into a venture-scale fintech.
AUM fees, subscriptions and float recur every year and grow with the platform — not one-off transaction income.
More farmers → more deals → more investors → cheaper capital → more farmers. A flywheel in a category no one owns.
Our biggest fees (origination + carry) only pay out when farmers and investors succeed. We win when they win.