The entire SRG process runs digitally end-to-end: from warehouse receipt issuance and inventory monitoring, to collateral valuation, financing disbursement, and real-time reporting — all integrated with blockchain and AI analytics.

Receipt Issuance

Warehouse receipts registered digitally to a central Bappepti registry and consolidated within the ISware system

Inventory Monitoring

Real-time tracking of stock and product quality

Collateral Valuation

Automated asset pricing and risk assessment

Financing Application

Digital loan application and approval through the APLX system

Disbursement

Funds released instantly upon approval

Reporting & Analytics

Live tracking powered by blockchain and AI-powered data analytics

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AFFC — ASLI Farmers Finance Corporation The Agricultural Digital Finance Engine of ASLI Pangan

AFFC is ASLI Pangan's structured financial product arm — a regulated, technology-native platform that deploys capital into Indonesian agricultural supply chains and generates returns through transaction fees, interest income, and traceability premiums. Built on Indonesia's Sistem Resi Gudang (SRG), regulated by Bappebti and the Ministry of Trade, AFFC converts harvested commodities into legally-recognized digital collateral. Farmers access working capital at harvest. Cooperatives build a verifiable credit history. International buyers receive blockchain-tokenized, EUDR-compliant product.

The result: a self-reinforcing Agricultural Digital Finance flywheel where each financing cycle generates better data, better credit decisions, and better commodity prices for every participant in the chain.

The Market Gap: Why Traditional Finance Has Failed Indonesian Agriculture

Historically, Indonesian coffee farmers, largely smallholders organized into cooperatives, have faced significant hurdles:

Fragmented Logistics

Inefficient transportation networks from remote farms to markets, often involving multiple intermediaries, lead to high costs, delays, and substantial post-harvest losses.

Limited Access to Formal Finance

Traditional banks systematically underserve Indonesian smallholder farmers — no credit history, no fixed collateral, seasonal income cycles. This $15B+ financing gap in Indonesian agricultural credit is the structural opportunity that AFFC's SRG-backed products are designed to fill.

Lack of Market Access and EUDR Compliance Infrastructure

Indonesian farmers lack the digital traceability documentation that European buyers now legally require under the EU Deforestation Regulation (EUDR). Without this, Indonesian coffee risks losing access to a $20B+ European import market. AFFC's blockchain tokenization provides exactly this compliance layer.

The AFFC Platform

Finance. Data. Scale.

Finance: SRG-backed pre-harvest and working capital loans — disbursed at harvest, collateralized by government-regulated warehouse receipts, repaid through commodity sale proceeds.

Data: Every financing cycle builds a proprietary farmer credit profile — yield history, quality grades, repayment behavior — creating a credit scoring engine no traditional bank possesses.

Scale: Once built for coffee, the AFFC infrastructure — SRG integration, blockchain tokenization, KADEX+ logistics — can be replicated across any Indonesian commodity: cacao, vanilla, pepper, corn.

AFFC's Four Financial Products

The AFFC integration solution by ASLI One Group directly addresses these pain points:

Multimodal Logistics-Linked Finance

AFFC's financing is structurally linked to the logistics chain — disbursement triggers commodity movement through PT KAI/KALOG rail infrastructure to certified SRG warehouses. This ensures collateral integrity and creates the unbroken chain-of-custody that blockchain tokenization requires.

Warehouse Financing Receipt

Pre-harvest and post-harvest working capital loans, collateralized through Indonesia's Sistem Resi Gudang (SRG) — regulated by Bappebti, Ministry of Trade. Loan disbursement at harvest. Repayment structurally linked to commodity sale proceeds. Eligible for co-lending with BRI Agro, Bank Mandiri agri-divisions, and DFI partners.

Blockchain Tokenization & EUDR Compliance Package

Every commodity lot financed by AFFC is tokenized on the blockchain as a Real World Asset (RWA) — recording farm GPS, quality grade, SRG receipt number, and full logistics chain-of-custody. This token is the primary EUDR compliance document for European buyers, commanding a traceability premium of $0.10–0.30 per pound above commodity price

Cooperative Credit Building & Insurance

AFFC's data layer builds a verifiable credit profile for every farmer and cooperative in the network — yield history, quality track record, repayment behavior. Over time, this data unlocks access to formal banking credit at lower rates. AFFC also integrates parametric crop insurance, protecting both the farmer's livelihood and AFFC's loan portfolio against climate risk.

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A Self-sustaining Agricultural Digital Finance flywheel

HOW AFFC GENERATES REVENUE

Transaction Fees

On payment flows throught the supply chain

Interest Income

On SRG-backed working capital loans

Traceability Premium

$0.10–0.30/lb sharing on EUDR-compliant lots

Insurance Distribution

Parametric crop insurance distribution fees

AFFC operates within Indonesia's established commodity finance structure:

COMMODITY FINANCE

SRG / WRS — Bappebti

Licensed and regulated by Bappebti, Ministry of Trade of IndonesiaLicensed and regulated by Bappebti, Ministry of Trade of Indonesia

COMMODITY OPERATIONS

Indonesian Commodity Law

Full compliance with Indonesian commodity trade and export regulations. Certified exporter status

Registered in Singapore (ACRA). Singapore entity provides international institutional investor access.

Fintech lending license pathway currently in progress with Indonesia's Financial Services Authority (OJK).

ASLI Pangan Pte. Ltd.

OJK Engangement

PARENT ENTITY

FINTECH LICENSING [in progress]

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AFFC in Action — From Farm to Bank

Partner with AFFC

We are actively seeking capital partners, co-lending banks, impact investors, and strategic buyers to scale AFFC across Indonesia's agricultural sector. Whether you are a financial institution, development finance organisation, commodity buyer, or farmer cooperative — reach out to explore how AFFC fits your mandate.