Rivool Finance explains how it tokenized over $20 million in agricultural credit on Stellar across 131 producers in 23 Brazilian states, eliminating collateral discounts through transparent on-chain tracking. The model pools credit notes, tokenizes them on Stellar, and maintains zero defaults with 12-15% dollar returns—addressing Brazil's structural shortage of agricultural credit despite abundant capital.
Rivool Finance details its approach to tokenizing agricultural credit on Stellar, moving $20 million across 131 producers financing 22 different crops in 23 Brazilian states. The operation structures credit notes into a securitization certificate, tokenizes it on Stellar, and uses proprietary risk scoring across 19 on-chain parameters. The result: zero defaults and 12-15% returns in dollars. The transparency advantage: traditional finance applies heavy discounts to livestock collateral it cannot verify in real time; on-chain tracking and continuous data let lenders see actual collateral value, reducing the gap between asset worth and lending value. This addresses a core market inefficiency—Brazil's $125 billion agricultural credit market is less than 2% tokenized, constrained by opacity and geographic distance rather than capital shortage. Rivool operates under CVM regulation as a licensed securities platform.
