1Pilot
Development credit
Finance for selected producers, with combined protection over asset, production, receivables and cash flow.
Infrastructure for the new agricultural cycle
From root to table,trust needsan origin.
Granum integrates rural-asset intelligence, credit, production and traceability to return value to the farm and make every step verifiable — from the land to the food.
The size of the cycle, in public data
- R$ 171.2 bnproblem agri credit in the Brazilian system
- 19.6%of the national agri book, against 5.5% two years ago
- 14,219rural auctions in 2025, up 30%
- 6.22%agri arrears at the largest lender in the country
- 2,398out-of-court repossessions, roughly double
- 63%of new operations with a fiduciary lien, against 3%
- R$ 62 bnof new problem credit every year
- 5.6–11.4 mn haof stressed area implied in the system
01The problem
In global chains, risk begins where the origin disappears.
Food crosses farms, processors, warehouses, hauliers, borders and certification standards.
When the records stay fragmented, sanitary verification takes time, responsibility disperses and trust falls.
- Farm01
- Processing02
- Storage03
- Transport04
- Border05
- Table06
Six links, six record systems that do not talk to each other. That gap is where a sanitary doubt turns into risk for the entire chain.
02The scale
The cycle is larger than the market can process.
The figures below are public and attributed. They describe the size of the problem the Granum infrastructure addresses — not an expectation of return.
R$ 171.2 bn
Problem agri credit in the system
19.6% of the national agri book, against 5.5% two years earlier
R$ 873 bn
National agri loan book
Derived from public data: R$ 171.2 bn ÷ 19.6%
6.22%
Agri arrears at Banco do Brasil
Tenth consecutive quarter of increase, from 1.32%
14,219
Rural auctions in 2025
Up 30% on the previous year
2,398
Out-of-court repossessions in 2025
Roughly double the previous year
63%
New operations carrying a fiduciary lien
2025/26 season, against 3% previously. Real-estate security: 69%, against 31%
R$ 62 bn
New problem credit per year
Observed rate of entry into the system
5.6–11.4 mn
Hectares of stressed area implied in the system
Central case of 7.8 million hectares
In gold, the values we derived from disclosed balances. No institution publishes the area behind a stressed loan book — neither retrospectively nor prospectively.
Sources: Banco do Brasil, Performance Analysis 1Q26; Central Bank of Brazil, monetary and credit statistics; Serasa Experian, agribusiness judicial-recovery indicator; CNN Brasil and BPMoney, June 2026; Leilão Imóvel survey for the 2025 auctions; Incra Land Market Atlas 2025 for values per hectare.
03The Granum answer
Infrastructure that connects asset, production and evidence.
Granum brings together information on the land, the credit, the inputs, the production, the chain of custody and the sale. The result is a verifiable trail that supports better decisions before, during and after every production cycle.
- I
Asset identity
Title deed, georeferencing, environmental registration, chain of ownership and valuation.
- II
Cycle control
Credit, application of proceeds, inputs, monitoring, harvest, escrow and sale.
- III
Verifiable evidence
Batch, custody, audit, partner certifications and lookup through to final destination.
04Traceability
When a doubt arises, the chain has to answer straight away.
The Granum infrastructure is designed to turn a fragmented investigation into a precise, auditable and fast answer. Every step has to leave evidence the next step can verify.
Which property did it come from?
Which batch was it produced in?
Who operated each step?
Where was it stored?
What route did it travel?
Under what conditions was it certified?
The chain of evidence
- 01
Origin identity
Title deed, chain of ownership, environmental registration, georeferencing and the party responsible for the asset.
- 02
Production
Batch, area, inputs, dates, responsible parties, practices adopted, harvest and results.
- 03
Chain of custody
Storage, segregation, processing, transport, container and transfers of responsibility.
- 04
Compliance and certification
Evidence signed by whoever holds the authority to audit or certify each attribute.
- 05
Lookup and response
Fast access to the complete history for audit, origin verification or sanitary investigation.
Traceability is not merely knowing where something came from. It is being able to prove it. A trustworthy origin combines identity, time, custody and independent validation. That proof is what turns transparency into economic value.
Discuss a pilot chain05Platform
One platform, five engines.
Granum connects capital, inputs, production, sale and recovery in an architecture that seeks to solve the problem before value is lost. Execution is escalated: prevention, restructuring, control of the asset and, only as a last resort, enforcement.
2Pilot
Financed inputs
Controlled delivery of fertiliser, seed, crop protection and other inputs through licensed partners, reducing diversion of purpose and cost of purchase.
3Pilot
Offtake and cash control
Purchase contracts, escrow and settlement rules connect the harvest to repayment of the loan and to the obligations of the cycle.
4Roadmap
Special situations
Acquisition, restructuring and recovery of stressed credit secured on rural assets, with price and execution discipline.
5Roadmap
Asset monetisation
Documentary, environmental and possessory regularisation, interim management and assisted sale where enforcement cannot be avoided.
The advantage is not in owning land. It is in controlling, with governance, the information and the flows that determine the value of the asset and the capacity to repay.
06Where this is worth most
The same trail serves a sanitary emergency and an export contract.
Generic traceability commands low willingness to pay. Traceability that solves a specific problem — sanitary, religious, environmental — commands high willingness to pay.
Primary use case
Sanitary response
Identify the origin, the related batches, the routes and the parties involved in an event. In a world where food crosses borders and ever more complex chains, identifying the origin cannot take days.
- Event detected
- Batch identified
- Origin located
- Sibling batches mapped
- Routes and parties listed
- Perimeter isolated
Highest willingness to pay
Halal and Kosher
A cut of beef is not halal by chemical composition. It is halal because the slaughter, the line, the storage, the transport and the container followed a rite and stayed segregated from non-compliant material. That is a process attribute — precisely what a chain of evidence records.
Kosher uses the same architecture with different validation rules.
US$ 33.3 bn
Brazilian food exports to Islamic Cooperation countries
First in the world, ahead of China, India and the United States
US$ 2.06 tn
Global halal food and beverage market projected for 2029
From US$ 1.53 trillion in 2024
400+
Halal brands identified in circulation
Mixing trusted and untrusted certifiers
Deforestation-free and environmental compliance
Relate batch and product to territorial records and environmental evidence.
Organic and special attributes
Prove the practices, inputs and chain of custody that justify a price premium.
Credit and insurance
Improve risk monitoring through verifiable production and collateral.
Hard boundary
Granum does not present itself as a halal, kosher, organic or sanitary certifier. It provides the chain of evidence that the competent authority audits, signs and verifies. Certifiers are mandatory partners, not competitors.
Sources: State of the Global Islamic Economy Report 2025/26; Arab-Brazilian Chamber of Commerce; Islamic Chamber Halal Certification Services; LBB International.
07Who it is for
Five counterparties, one infrastructure.
The same chain of evidence solves a different problem at each point of the chain. Below, what each side gets.
- Banks and lenders
Speed where capital rules penalise waiting.
A de-duplicated collateral inventory, a recovery score per asset, independent valuation and assisted sale — to shorten the path between default and cash.
- Producers
Productive continuity instead of enforcement.
Credit delivered as inputs rather than cash, a lower purchase cost through scale, and a harvest connected to settlement, with the property staying in the production cycle.
- Investors
Governance and evidence before scale.
Independent valuation, an auditable decision trail, specialist committees and concentration limits. Figures, scenarios and diligence documents open in a restricted environment, subject to investor qualification.
- Buyers and importers
Verifiable origin without a physical audit on every shipment.
Lookup of the batch history and verification of chain integrity without commercially sensitive data having to be exposed.
- Certifiers
The trail your own authority signs.
Granum records rite, segregation and chain of custody so that the certifying body signs the record itself. It does not certify, and does not intend to.
08Technology
Three phases, and only one of them is on the critical path.
Credit, inputs and offtake all work with a conventional signed audit trail. Conditioning first revenue on distributed infrastructure would delay the business by quarters without improving initial underwriting.
Phase 1In execution
Evidence rail
Collateral inventory, recurring valuation, registry diligence and a signed audit trail. Already revenue-generating.
Phase 2On paid demand
Proof layer
Cryptographic anchoring once a bank, importer or certifier requires and pays for the capability.
Phase 3Regulation-dependent
Tokenisation
Area fractionalisation and earmarked tokens, once the regulatory framework is resolved.
Traceability pays for the technology, not the other way round.
09Why now
Brazilian farm credit has entered a cycle that demands more information and better execution.
Credit deterioration, the growth of real-estate security and the pressure to recover create an opening for whoever can value, organise, recover and return the asset to production.
- Banks need speed
- Capital rules penalise repossessed property held on the balance sheet. What exploded was not the stock: it was the flow. And fast flow is expensive.
- Real-estate security has become the rail
- In the 2025/26 season, 69% of the largest lender's new operations carried real-estate security, against 31% previously. The enforceable stock grows for years.
- Producers need continuity
- Cash flow breaks before the asset does. Two poor harvests consume roughly a third of the property value in lost working capital — while the land itself remains.
- Investors need governance and evidence
- Without independent valuation, an auditable trail and clear related-party rules, information asymmetry stops the market from pricing correctly.
The window
The Brazilian renegotiation line created by CMN Resolution 5,330/26 is open for contracting until 12 November 2026. It reprices and defers the debt rather than extinguishing it.
Sources: Banco do Brasil, Performance Analysis 1Q26; The AgriBiz, April 2026, for the new origination profile; CMN Resolution 5,330/26.
10Governance and impact
Complexity is not resolved with a promise. It is resolved with control.
Granum operates in a chain with real assets, credit, sensitive data, producers, investors and buyers. Independence, segregation and traceability of decisions are therefore conditions for growth. Governance is not a later layer: it is part of the product.
Core controls
- Independent valuation and independent audit
- Separation between regulated capital and commercial operations
- Investment, credit, risk, recovery, hedging, ESG, data and related-party committees
- Limits by economic group, crop, municipality, state and risk type
- Insurance, hedging and receivables control where applicable
- Reporting in Portuguese and English, with an auditable decision trail
Non-negotiable exclusions
Failing any one of these is disqualifying, not a pricing adjustment.
- Illegal deforestation or embargoed area without an approved remediation plan
- Invasion of public land
- Documentary fraud
- Labour analogous to slavery
- Serious conflict with traditional communities
- Illegal mining
- Corruption
- Operating without a mandatory licence
Impact the thesis can credibly claim
- Recovery of viable producers and preservation of employment
- Environmental and documentary regularisation of assets
- Higher productivity without irregular land expansion
- Formalisation and traceability of the supply chain
- Faster sanitary response through verifiable origin
11Who executes
The execution has names.
Granum is led by two founders and by an execution network assembled by speciality, region and function.
André Araujo
Co-founder
Leads the valuation, collateral-intelligence and liquidity-infrastructure thesis for real assets. Technology, big data and machine learning applied to real assets, with experience across venture capital and private equity funds. Co-founder of the first nanotechnology company in the Southern Hemisphere.
Ricardo Spada
Co-founder
Technology entrepreneur with experience in artificial intelligence, machine learning, Web3 and digital security. Founded and managed several deep-technology startups, founded the first technology coworking space in Brazil and mentors more than twenty startups.
Execution network
Rural valuers, regional farm operators, legal and regulatory specialists, trading, input, insurance and certification partners.
Execution
Before scale, evidence.
Granum's expansion is planned in phases. The pilot turns the highest-uncertainty hypotheses into measured results, with collateral inventory, diligence, assisted recovery, a first credit cycle and full traceability of the selected operations.
- Duration
- 90 to 120 days
- Geography
- Mato Grosso and Mato Grosso do Sul
- Scope
- Credit, soybean, corn and cattle
- Nature
- Indicative perimeter
Indicative perimeter, confirmed with the partner before it starts.
What the pilot has to prove
- Zero loss in the first credit cycle
- Every operation with escrow and full traceability
- 5 to 10% reduction in the producer's input cost
- 20 to 30% reduction in time to cash
- Price uplift measured against an audited baseline
- 95% of land titles with complete diligence
12Contact
Let us build the next layer of trust in agriculture.
Talk to Granum about the platform, the pilot, operating partnerships or professional investment opportunities.