DeSoy

Why wait for harvest to get paid?

DeSoy is a decentralized platform that enables farmers to access upfront capital by tokenizing their future harvests and offering them to global investors. It addresses a major pain point in agriculture: the mismatch between the moment when farmers incur production costs and when they actually receive revenue from the sale of crops. By bridging this liquidity gap, DeSoy provides farmers with the resources they need at the most critical moment, the planting season, while offering investors real-world yield backed by tangible assets.

The platform allows verified farmers to list their crop receivables through a simple onboarding flow using digital identity verification via Civic. These receivables are represented as smart contracts deployed on Flare Network. Investors can browse available opportunities, assess expected returns, and invest directly in crop-backed positions. Upon the completion of the harvest, smart contracts automatically trigger the payout to investors according to predefined terms.

DeSoy eliminates the need for traditional financial intermediaries, offering a direct and transparent relationship between capital and agriculture. It also creates a new asset class within decentralized finance by bringing real-world agricultural production to the blockchain. The use of Flare enables low-cost, secure, and programmable settlements, ensuring a seamless experience for all users.

Business Model

DeSoy earns revenue through a 1% fee on successful funding rounds and a small platform fee collected when funds are withdrawn by investors. In the future, DeSoy plans to introduce premium verification services for institutional investors and deploy on-chain analytics for risk scoring and portfolio management tools.

Market Opportunity

The global agricultural financing gap is estimated at over 200 billion dollars annually, with small and medium-sized farmers in emerging markets being the most underserved. In Serbia alone, where DeSoy is launching, agriculture accounts for more than 6 percent of GDP, and access to affordable credit remains limited. Across Eastern Europe, Latin America, and Africa, millions of farmers face similar constraints in accessing timely capital to support production.

DeSoy’s model is scalable and adaptable to different regions, crops, and financing needs. By focusing on short-term, high-rotation agricultural receivables, the platform aims to create a sustainable and liquid marketplace for real-world asset-backed DeFi.

Why It Matters

DeSoy delivers financial inclusion to agricultural producers and brings purpose-driven yield opportunities to investors. It transforms how agricultural production is financed, aligning incentives through transparency, automation, and decentralization. By leveraging Web3 infrastructure in a meaningful way, DeSoy not only builds a valuable business but also supports global food security and rural economic development.

Useful Links:
Slide pitch deck: https://docs.google.com/presentation/d/18HLtpohvjNYOZbBf0H3wo16I6boa27CraDfYS4pZCtg/edit?usp=sharing

Pitch video: https://www.youtube.com/watch?v=WswJgOI-SC4

Demo video: https://youtu.be/7tWXwI12Bww

Github rep: https://github.com/vict0rcarvalh0/eth-belgrade-hackathon

Docs: https://noymaxx.gitbook.io/desoy