Agricultural underwriting at the speed of finance.
Analyze multi-peril climate hazard, yield volatility, and portfolio credit risk in minutes. Designed for commercial banks, crop insurers, and agricultural lenders across Southeast Asia.
Everything underwriting teams need to evaluate crop risk.
Modular agrometeorology, remote sensing, and actuarial reasoning — built directly for institutional agricultural finance.
Agrometeorology Engine
30-year gridded ERA5-Land & BMKG reanalysis with SPEI drought index.
Satellite Phenology
Sentinel-2 10m multispectral NDVI tracking crop vegetative stages.
Parametric Payouts
Zero-dispute parametric trigger thresholds for index insurance contracts.
Underwriting Copilot
Automated credit memorandums compliant with OJK 2.0 & IFRS S2 standards.
Portfolio Analytics
Multi-asset climate stress testing and capital reserve adequacy modeling.
Purpose-built for your specific underwriting mandate.
Whether issuing seasonal working capital, structuring index treaties, or financing contract farming outgrower schemes.
Commercial Agri-Lending Banks
Cut manual field inspection cycles by 70%.
Pre-screen seasonal cooperative working capital and plantation loans with deterministic agrometeorology before credit committee reviews.
- Automated bank-grade credit memorandums
- IFRS S2 physical hazard scenario stress tests
- Asset-level DSCR sensitivity curves
Crop Insurers & Reinsurers
Structure zero-dispute parametric index treaties.
Deploy 30-year gridded ERA5 and BMKG historical reanalysis to calibrate high-resolution drought and flood trigger thresholds.
- Zero-basis-risk parametric triggers
- Multi-peril spatial hazard modeling
- Automated claim payout calculation engines
Agri-Fintechs & Outgrowers
Automate risk-adjusted tranche disbursements.
Link off-taker contract milestones and Sentinel-2 vegetative indices directly to milestone escrow fund release schedules.
- Satellite vegetative milestone tracking
- Milestone-locked escrow smart covenants
- Sub-parcel yield variance forecasting
Automate asset-level agrometeorological reanalysis.
Transform 30 years of raw ERA5-Land climate reanalysis and BMKG weather station feeds into deterministic underwriting inputs downscaled to exact farm coordinates.
- Standardized Precipitation Evapotranspiration Index (SPEI-3/SPEI-6)
- Historical return period hazard curves calibrated to BMKG baseline
- Deterministic moisture deficit projections across 10-day dasarian windows
Calibrate phenological growth stages with 10m satellites.
Eliminate physical farm visits with continuous Sentinel-2 remote sensing. Track vegetative indices (NDVI/NDRE) across every parcel in your portfolio every 5 days.
- Precise crop calendar tracking from planting to grain filling
- Detection of water stress precisely during critical flowering windows
- Zero dependency on subjective farmer self-reported progress
Stress test farm financials against physical climate shocks.
Bridge the gap between agronomists and credit committees. Translate climate hazard intensity directly into harvest yield haircuts and Debt Service Coverage Ratios (DSCR).
- Automated yield haircuts derived from empirical crop vulnerability curves
- Deterministic DSCR degradation testing under Mild, Severe, and Extreme drought
- Pre-calculated break-even farmgate pricing sensitivity tables
“Debitur memenuhi profil kelayakan agronomis dengan catatan cekaman air dasarian II. Disetujui dengan plafon Rp 3.8 Miliar bersyarat 3 kovenan mitigasi iklim.”
Generate bank-ready OJK 2.0 & IFRS S2 credit memos.
Transparent actuarial reasoning without black-box hallucination risk. Every sentence links directly to underlying climate data points and loan agreement clauses.
- Audit-trail citations for every yield haircut and DSCR calculation
- Explicit alignment with OJK 2.0 Green Taxonomy & IFRS S2 guidelines
- One-click export to bank committee PDF format with digital signatures
Automate loan disbursements with parametric smart covenants.
Conditional capital deployment aligned with real crop milestones. Protect bank capital with automated escrow releases unlocked only after satellite verification.
- Tranche 1 (55%) released on soil prep & certified seed verification
- Tranche 2 (45%) escrow unlocked automatically upon Sentinel-2 NDVI check
- Integrated parametric insurance hedging loan principal during extreme weather
Underwrite faster and protect more, only with Resolusite.
AI-powered underwriting
Average time to generate institution-grade credit memorandums, down from 14 business days of manual reviews.
Active crop acreage
Hectares of smallholder rice and corn acreage continuously monitored across West Java and South Sulawesi.
Portfolio volume monitored
Total seasonal agricultural lending evaluated and monitored with automated climate covenants.
How Koperasi Tani Makmur Subang secured Rp 3.8B amidst extreme El Niño.
“Res-Face gave our credit committee the empirical certainty to approve Rp 3.8B in seasonal working capital during the 2024 El Niño drought without suffering a single default.”
Start underwriting climate risk today.
Join Southeast Asia’s leading agricultural banks and parametric insurers modernizing seasonal credit with Res-Face.
Dossier #SUB-01 ready for credit committee sign-off. DSCR: 1.82x.
NDVI scan verified: 0.74 peak vigor across 320 Ha parcel.
Tranche 2 disbursement (Rp 1.71B) unlocked upon vegetative check.
Trending insights from our climate risk research desk.
Essential methodology reading for agricultural risk officers, reinsurance actuaries, and green taxonomy compliance leads.
OJK 2.0 & IFRS S2 Climate Disclosure Guide for Agricultural Lenders
A practical framework for quantifying asset-level physical climate risk under Indonesia’s revised green taxonomy.
Calibrating Sentinel-2 NDVI vegetative indices for rice crop failure prediction
How multi-spectral 10m satellite observations identify drought stress 14 days before visible crop discoloration.
Structuring Parametric Crop Insurance with ERA5-Land gridded reanalysis
Designing zero-dispute drought payout thresholds that minimize basis risk across complex microclimates.
Eliminating Black-Box Hallucinations in LLM Credit Memorandums
Deterministic data anchoring and citation chains for bank credit committees and external prudential audits.