BikkoChain
Launching in Ghana — Join the Waitlist

Kofi works hard.
The system failed him.
We fixed that.

Every harvest season, thousands of Ghanaian farmers like Kofi are turned away by banks — then forced to borrow from loan sharks at crushing rates. BikkoChain changes that. Get a fair loan in minutes, sent straight to your phone. No bank. No land deed. Just your harvest.

12,500+

Farmers on waitlist

15%

Fair interest rate

< 2 mins

Money arrives

Read Kofi's Story
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👩🏾‍🌾
🧑🏾‍🌾
👨🏿‍🌾

Grace just joined from Kumasi

2 minutes ago · 47 farmers joined today

Trusted by leading organisations across Ghana and beyond

LISK NETWORKSecure & Affordable Transfers
KOTANI PAYMobile Money Off-Ramp
CHAINLINKCertified Data Feeds
MOBILE MONEYMTN, Telecel & AT Cash
🌾 A STORY REPEATED 500 MILLION TIMES A YEAR

Kofi's Story

His story is not unusual. It is the story of almost every smallholder farmer in Ghana. Until now.

Every May

Kofi Mensah walks to the nearest bank in Kumasi. He needs ₵2,000 to buy fertilizer before the planting window closes. He's been farming cocoa for 15 years. His farm is healthy. His harvest is good. He just needs a small loan to get started.

The Bank Says No

The loan officer asks for a land deed. Kofi's family has farmed this land for three generations — but it has no formal title. Without a deed, there's no loan. Kofi walks home empty-handed. The planting season is already slipping away.

The Only Option Left

Kofi finds a local moneylender. The terms: 55% interest. He has no choice. He borrows anyway. When the cocoa finally sells in November, more than half of everything he earned goes straight back. After 15 years of farming, he finishes the season with almost nothing to show for it.

With BikkoChain

This year is different. Kofi's cooperative uses BikkoChain. His harvest is verified and accepted as security. Within minutes, ₵2,000 lands in his MTN wallet. He plants on time. The harvest is his best in years. The loan repays automatically when the crop sells — at 15% interest, not 55%.

The Difference BikkoChain Makes

Before

Loan sharks: 55%+ interest

✓ BikkoChain: 15% fair rate

Before

Banks: Land deed required

✓ BikkoChain: Your harvest is enough

Before

Traditional loans: 4–8 weeks

✓ BikkoChain: Under 2 minutes

HOW IT WORKS

Your Harvest, Your Loan — In 5 Simple Steps

From crop to cash in your pocket — here's the journey, start to finish. No paperwork, no bank queues.

01

Register with Your Co-op

Join through your local farming cooperative. No bank account or smartphone required.

02

Harvest Gets Certified

A co-op inspector visits your farm, weighs your crop, and confirms everything is in order.

03

Loan is Approved

Your certified harvest acts as your guarantee. No land deed or salary slip needed.

04

Cash to Your Phone

Money arrives in your Mobile Money wallet in minutes — MTN, Telecel, or AT Money.

05

Harvest Sold, Loan Settled

At harvest time, the co-op sells your crop. The loan is settled automatically — any surplus goes directly to you.

WORKS ON ANY PHONE

Access Your Loan From Any Phone

No bank visit. No paperwork. Whether you have a smartphone or a basic feature phone, BikkoChain works for you.

1. Register

Sign up through your local cooperative or simply dial our shortcode on any phone. No data connection needed.

2. Get Verified

Your cooperative confirms your crop amount and quality. The whole process is handled on your behalf — nothing technical for you to do.

3. Receive Cash

Once verified, Cedis land in your Mobile Money wallet in minutes. No bank visit, no paperwork, no waiting.

Live Simulation

The Borrowing Journey

Lisk Sepolia Testnet Active
FARMER REGISTRY
MTN VERIFIED

Kofi Mensah

Ashanti Region, Ghana

Grade-A Cocoa

4.2 Hectares

Biometric ID & Mobile Money Link

Linked to MTN MoMo Wallet: 054 •••• 591

Step 1 of 4
BUILT FOR FARMERS FIRST

Everything You Need, Nothing You Don't

From any phone to your wallet — we handle the complexity so you can focus on farming.

WhatsApp Onboarding

Register, upload photos of your harvest, and check your loan status — all through a simple WhatsApp chat. No training needed.

Works on Basic Phones

No smartphone? No problem. Dial *384*22# on any feature phone to check your loan or confirm payment — works without internet.

Dial: *384*22#

Welcome to BikkoChain.

1. Check My Loan Status

2. Confirm Harvest Submission

Your Harvest is Your Collateral

No land deeds. No bank accounts. Your certified crop yield is all the security we need to approve your loan.

Money in Minutes

Once your crop is verified by your co-op, your loan is approved and sent to your phone in under 2 minutes.

Straight to Mobile Money

Funds go directly to your MTN Mobile Money, Telecel Cash, or AT Money wallet — whichever you already use.

Eco-Friendly Farming

We confirm your farm is forest-safe, making your crops eligible for premium international buyers who pay higher prices for sustainable produce.

Sefwi Wiawso Farm Plot: OK-028
Forest Safe: Confirmed ✓
WHERE WE WORK

Helping Farmers Across Ghana

From the cocoa farms of Ashanti to the coffee hills of the East — real farmers, real change. Click a region to see local numbers.

Ashanti Region

Our largest partner zone, home to the most active cocoa farming cooperatives in Ghana. Farmers here were the first to receive loans through BikkoChain.

Farmers

6,450+

Tonnage

720 Tons

Disbursed

5.2M GHS

On-Time

99.2%

FARMERS SPEAK

Real Stories from Real Farmers

Don't take our word for it. Here's what farmers and community leaders across Ghana are saying.

"BikkoChain has completely changed how our cooperative works. We used to wait weeks for bank approvals. Now, the capital is in the farmer's hands in minutes."

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Emmanuel Boakye

Agricultural Co-op Supervisor

Sefwi Wiawso, Ghana

Cooperative Leader

"I dialed the shortcode on my feature phone and received ₵2,500 directly to my MTN wallet within two minutes. I bought fertilizers early and my harvest is 30% higher than last year."

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Grace Osei

Cocoa Farmer

Kumasi Region, Ghana

Smallholder Farmer

"Our farmers' crops now come with verified sustainability records. Our European buyers trust Ghanaian cocoa more than ever — and that means better prices for every farmer."

👨🏾‍💼
Dr. Amara Mensah

Agritech Coordinator & Analyst

Accra, Ghana

NGO Partner

Want to be the next success story?

*Testimonials from BikkoChain pilot phases in Sefwi Wiawso and Kumasi.

GOT QUESTIONS?

Everything You Need to Know

Quick answers to the questions we hear most from farmers, cooperative leaders, and partners.

EARLY ACCESS OPEN NOW

Ready for your harvest to work for you?

Join thousands of farmers already on the BikkoChain waitlist. When we launch in your region, you will be first in line — with fair loans, fast cash, and a team that actually cares.

  • First access when we launch in your region
  • No fees, no commitment — completely free to join
  • Personal call from our team when you're up next
  • Be part of a community of 12,500+ farmers

"I dialed the shortcode on my basic phone and received ₵2,500 in my MTN wallet in two minutes. My harvest this year is 30% better than last."

— Grace Osei, Cocoa Farmer, Kumasi

Join the Waitlist

Secure your spot now. Launching in Ashanti, Western, and Eastern regions first.

12.5k+

On waitlist

3

Regions

Free

To join

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