Flagship Initiative · CANWYF · Pilot: Araromi Ekiti · April 2026

iTONA AFRICA

Enrolled. Verified. Connected. Funded.

A farmer with ten years on the same land — no bank record, no buyer network, no safety net. iTONA AFRICA changes that. We give every smallholder farmer a verified identity, a route to market, and access to the financial tools that were always meant for them.

Seal a Farmer — ₦25,000 For Investors →
44 Farmers Enrolled
4 Community-Sealed
17 Farm Visits
8 Women Farmers
17 Plots Mapped
500 2026 Target
The Problem

Nigeria's farmers feed the country.
The system doesn't recognise them.

🕳️
No Record, No Credit
A farmer can spend twenty years cultivating the same land and still be invisible to every bank in the country. Without a documented farming history — who they are, where they farm, what they grow — they cannot borrow money, qualify for insurance, or access government support programmes.
🤝
Forced to Accept Middlemen
Without a way for buyers to verify produce origin, smallholder farmers cannot sell directly to supermarkets, processors, or export markets. They sell to whoever shows up at the farm gate — usually at a fraction of the real market price. The middleman captures most of the value that the farmer created.
🌧️
No Safety Net for Bad Seasons
When rain fails or floods destroy a harvest, smallholder farmers have nothing. Formal crop insurance requires the kind of documented farm identity that most rural farmers have never had. One bad season can eliminate years of progress and push a family back into debt.
👻
Government Programmes Miss Them
Agricultural subsidies, input programmes, and development grants designed for smallholder farmers routinely fail to reach them — because there is no reliable way to identify and verify who is actually farming. Money meant for farmers often ends up with people who are not.
What Changes

The difference iTONA makes.

Before iTONA
✗Sells to a middleman at below-market price — no choice
✗Cannot borrow from a bank without collateral she doesn't have
✗One flood or drought away from losing everything she planted
✗Cannot prove she farmed this land to any government programme
✗Harvest data exists only in her memory and her family's
After iTONA
✓Lists produce directly on AgroMarket — reaches verified buyers at fair prices
✓Has a documented income and farming history usable with lenders
✓Covered by AgroShield — crop losses paid out within two weeks
✓iTONA credential verifiable by any government agency or programme
✓Three seasons of verified harvests — a real agricultural track record
How It Works

Four steps from invisible farmer
to verified economic actor.

01
🤝
A Coordinator Visits
A trained CANWYF field coordinator comes to the farmer's land — not the other way around. They record who the farmer is, what they grow, and where the farm is located. The visit is confirmed as having happened at the actual farm, not from a desk or office.
→
02
📍
The Farm Is Mapped
The farm location is recorded precisely. This means anyone — a lender, a buyer, a government officer — can confirm that this farmer is real, their land is real, and the location matches what is on record. It prevents false registration and ensures only real farmers receive support.
→
03
🗣️
The Community Confirms
Three elected members of the farmer's own community — the Seal Council — review the enrollment and vote to approve it. Two out of three must agree. This community endorsement, backed by traditional authority, is what makes the iTONA credential genuinely trustworthy.
→
04
🔏
The Farmer Is Sealed
The farmer receives the Oba Seal — a community-backed credential with a unique reference number. They can now list produce for sale, apply for crop insurance, and be verified by any institution using canwyf.org/verify. The credential travels with them permanently.
🔐
Anyone can verify any sealed farmer
Enter any farmer's iTONA reference number at canwyf.org/verify — no account needed, no permission required. Lenders, buyers, government agencies, and researchers can all confirm a farmer's record independently, without contacting CANWYF.
Open Verifier →
Five Programmes. One Ecosystem.

Verification is just the beginning.

iTONA AFRICA is not a single service — it is five connected programmes that together cover the full arc of a smallholder farmer's economic life. Each programme builds on the verified identity established in the first.

📋
Programme 01
iTONA VERIFY
The foundation. A trained coordinator visits each farmer, maps their land, records their crops, and collects a voice statement in the farmer's own dialect. The community Seal Council reviews and approves before any credential is issued. The result: a real farmer with a real record that any institution can check.
✓ Prevents ghost farmer fraud ✓ Creates a bankable identity ✓ Works in any local language ✓ No internet needed at the farm
🗺️
Programme 02
iTONA TRACE
Every plot is mapped. Every crop batch is recorded from planting to harvest. Every movement from farm to storage to market is documented. This traceability is what premium buyers, export markets, and food companies require before they can purchase from a smallholder. It is the difference between selling locally at ₦80/kg and selling to a processor at ₦140/kg.
✓ Unlocks premium buyer access ✓ Proves produce origin ✓ Enables export readiness
🛒
Programme 03
AGROMARKET
A direct marketplace where sealed farmers list their produce and verified buyers make purchases — without a middleman between them. Farmers set their own price. Buyers can confirm the farmer's credential before purchasing. Payment goes directly to the farmer's mobile money account within days of delivery, not weeks or months later.
✓ Eliminates exploitative middlemen ✓ Faster, direct payment ✓ Farmer sets the price
🏭
Programme 04
iTONA STORAGE
Community storage facilities managed by trained young people from the same community. Farmers pay a small monthly fee to store their harvest safely rather than selling immediately at a low price. This gives farmers the ability to wait for better prices and reduces the post-harvest losses that currently cost Nigerian farmers billions of naira each year. Each storage node creates local employment for youth operators.
✓ Reduces post-harvest losses ✓ Farmer controls sale timing ✓ Creates youth employment
🛡️
Programme 05
AGROSHIELD
Crop insurance for enrolled farmers — affordable because the farmers are verified and the farms are mapped. When floods, drought, or pests destroy a harvest, AgroShield pays out directly to the farmer's mobile money account within two weeks of a confirmed loss. ₦2,000 per season for a smallholder farm — less than the cost of one bag of fertiliser — for protection against losing an entire crop.
✓ ₦2,000/season for smallholders ✓ Paid out within 2 weeks ✓ No paperwork for the farmer
From the Field

Three farmers. Three real changes.

These are not hypothetical success stories. They are the specific, grounded changes that iTONA AFRICA is designed to make — drawn from the real circumstances of farmers in Araromi Ekiti and Ekiti State.

AO
Adunola Olanrewaju
📍 Araromi Ekiti, Ijero LGA
🌿 Cassava & Yam
Before iTONA Adunola has farmed two hectares of cassava and yam for eleven years in Araromi Ekiti. She sells to a buyer who visits twice a year and sets the price himself. When she asked a microfinance institution for a loan to buy better seedlings, she was told she had no documentation to support an application. She knows her harvest is good. No one outside her community knows she exists as a farmer.
What iTONA Changes With enrollment, Adunola has a reference number, a mapped farm, and three verified visits on record. Her produce is listed on AgroMarket where a processor in Ado-Ekiti can see it and contact her directly. When her AgroShield is active, a bad yam season will no longer mean a lost year.
Expected outcome: Direct sale to a processor at 30–40% above what the middleman paid. A documented income history that makes a cooperative loan realistic within 18 months of enrollment.
BF
Babatunde Fashola
📍 Ikoro Ekiti, Ijero LGA
🌽 Maize & Cowpea
Before iTONA Babatunde is 28, unmarried, and farms 1.5 hectares inherited from his father. Two years ago, early rains destroyed most of his cowpea harvest. He borrowed ₦40,000 from a neighbour at 30% interest to replant the following season. He repaid it, but the cycle made him cautious about expanding. He has no insurance, no savings buffer, and no way to prove his farming history to any institution.
What iTONA Changes Babatunde enrolls as a youth farmer — iTONA tracks this explicitly. His plot is mapped and his harvests are recorded each season. AgroShield at ₦2,000 per season gives him coverage against another flood year. AgroMarket connects him to buyers who prefer verified produce and pay more quickly than the seasonal middlemen he currently depends on.
Expected outcome: With two seasons of AgroShield, Babatunde has a financial buffer that allows him to invest in better inputs without borrowing. His iTONA income record makes him eligible for agricultural cooperative credit by year two.
RS
Risikat Salawu
📍 Araromi Ekiti, Ijero LGA
🍠 Sweet Potato & Vegetables
Before iTONA Risikat farms a half-hectare plot and sells at Ijero market every Thursday. She has been offered a larger plot by a community member but cannot afford to take it without financing. She applied once for a state agricultural grant and was told her farm was too small and not documented. She has no record of what she has grown, what she sold, or what she earned over the past five years.
What iTONA Changes After enrollment, Risikat's half-hectare is GPS-mapped and her produce is on AgroMarket. Her Thursday market sales are supplemented by direct orders through the platform. Each harvest season, her records are updated — building a documented income history for the first time. She is eligible for the next grant cycle with a verifiable farm record to support the application.
Expected outcome: A documented record of three seasons of production and income makes Risikat eligible for targeted government input support and positions her cooperative application credibly. AgroShield covers her small plot for less than the cost of a full market day's transport.
Funding Model

What it costs. What it achieves.

Every figure below is grounded in real field costs from the Araromi Ekiti pilot — coordinator salaries, field transport, platform operations, and community governance. We do not pad budgets to impress or trim them to mislead.

Cost Per Farmer (All-In)

Cost Item Description Cost
Coordinator Visit × 3 Travel, time, and field materials for 3 verified visits per farmer ₦6,000
Coordinator Honorarium (share) Monthly honorarium allocated per farmer enrolled ₦4,500
Platform & Data Operations Server, storage, and data costs per farmer per year ₦1,200
Seal Council & Governance Community council operations, review meetings, notification ₦1,800
Community Engagement Chapter setup, outreach, and training per farmer share ₦1,500
Total Cost Per Farmer (Year 1) Full enrollment, verification, sealing, and first year operations ₦15,000 (~$10)

Cost Per Community Chapter

Item Description Cost
Chapter Setup Community mobilisation, Seal Council election, training and onboarding ₦85,000
Coordinator (12 months) Monthly honorarium of ₦25,000 + ₦500/clean visit × estimated 100 visits ₦350,000
Field Equipment Phone, SIM data, protective gear, and field materials for one coordinator ₦65,000
Platform Operations (per chapter) Server and data allocation for one chapter for 12 months ₦36,000
Community Events & Reporting Quarterly community meetings, impact reporting, and governance ₦48,000
Total Per Chapter (Year 1) One community, one coordinator, 50–100 farmers enrolled ₦584,000 (~$390)

Pilot & Scale Budgets

All figures are in Nigerian Naira. USD equivalents use ₦1,500/$ rate.

Year 1 · 2026 · Pilot
Complete Araromi Ekiti Pilot
₦8.5M (~$5,700)
Enroll and fully verify 500 farmers across 5 ACN Chapters in Ijero LGA, Ekiti State
Recruit, train, and pay 5 field coordinators for 12 months
Constitute Seal Councils in all 5 chapters — first Seal Ceremonies conducted
Launch AgroMarket with first direct buyer–farmer sales facilitated
Establish AgroShield pool — first 500 farmers covered for 2026–2027 season
Publish first independent pilot impact report — all data publicly verifiable
Year 2 · 2027 · Ekiti State Scale
Scale Across Ekiti State
₦28M (~$18,700)
Expand to 15 ACN Chapters across all 16 Ekiti State LGAs — 2,000 farmers enrolled
Recruit and train 15 coordinators and 3 district supervisors
Establish first iTONA Storage Node — funded separately at ₦1.2M
Formal lending partnership with one microfinance institution using iTONA credentials
AgroMarket volume reaches institutional buyer threshold — first supply chain contract
Publish replication documentation for expansion to neighbouring states
Year 3 · 2028 · Multi-State
Two Additional States
₦75M (~$50,000)
Replicate the ACN model in Kwara and Ondo States — 5,000 additional farmers
45 ACN Chapters operational across 3 states — 45 paid coordinators
AgroShield pool large enough to be self-sustaining from premium income
AgroMarket facilitation fees generate ₦4.5M+ annually — covering operating costs
First formal climate finance application — Ecovitalize Africa GPS-mapped land base
iTONA model documented and published for replication across West Africa
Programme Self-Sufficiency Target
Revenue at Scale
Year 3+
At 7,500 farmers: AgroMarket fees (3% of ₦150M GMV) = ₦4.5M/year
AgroShield management fee (5% of ₦75M premiums) = ₦3.75M/year
Institutional data subscriptions = ₦2.4M/year
Combined revenue covers field operations — grant dependency reduces significantly
Each additional 1,000 farmers adds ₦600k–₦900k/year in sustainable revenue
Funding Partners

Organisations we are approaching.

🇩🇪
GIZ SAIS
German development agency. Smallholder agriculture, rural finance, and digital identity in West Africa.
🇺🇸
USAID Feed the Future
US government food security programme. Agricultural transformation and smallholder income in Nigeria.
🌐
UN Women Nigeria
Women's economic empowerment. CANWYF's gender inclusion targets align directly with UN Women's rural programme.
🏦
African Development Bank
Active pipeline via Ekiti State Ministry of Agriculture. Agricultural development finance.
🌍
Green Climate Fund
Climate adaptation finance. Ecovitalize Africa land restoration on iTONA-verified plots.
🌾
World Food Programme Nigeria
Post-harvest loss reduction and food system resilience. Storage node and AgroMarket alignment.
💡
Tony Elumelu Foundation
African entrepreneurship support. Youth coordinator economic model and AgroMarket operator development.
🤝
Ford Foundation Nigeria
Rural livelihoods and smallholder economic justice. Gender and youth inclusion focus.

iTONA Updates

All iTONA News →

Seal a farmer. Change an economic life.

₦25,000 covers one complete farmer enrollment — field visit, land mapping, community verification, and Oba Seal. You receive a profile card showing the specific farmer you supported, including their location and primary crop. You can verify the record yourself at canwyf.org/verify.

Seal a Farmer — ₦25,000 Investment Case → Become a Coordinator