YCoffee.
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How it works

How this works

  • 1
    You put money in.
  • 2
    It buys the machine the farm can't afford.
    Sold raw, as cherry
    what a farm gets today
    $0.31
    Pulped, dried, graded
    specialty green at $8/kg FOB
    $1.454.7×
    Roasted, sold as specialty
    a bag on a shelf
    $10.2033×
    Per kilo of cherry picked. The farm keeps the first line. A pulper is $10,106 landed.
  • 3
    The farm pays you back within a year. Zero interest.
    Sized from the harvest forecast. If it can't clear in twelve months under a third of each delivery, we don't lend.
    Yield by seasonkg cherry per tree
    20222026

    Band is the forecast range. No harvest logged yet to score it against.

  • 4
    You drink free coffee every month.
    Starbucks, by the cup
    a kilo is about 55 cups at $4
    $220
    A good roaster, by the bag
    specialty single origin
    $70
    You
    posted to your door
    $0free
    Per kilo of roasted coffee. Dues cover the roasting and the postage.

How the money moves

We never hold it. Licensed rails do, in every country.

RwandaEquipment supplied on deferred payment
inboundStripeFCA / FinCEN
fxWise / ThunesFCA and local equivalents
payoutMTN MoMo / Airtel MoneyNational Bank of Rwanda

Cleaner than a cross-border loan and avoids any lending-licence question. The machine is supplied; the station settles over the season.

IndiaEquipment supplied on deferred payment
inboundStripeFCA / FinCEN
fxWise / DLocalRBI-authorised partners
payoutRazorpay / CashfreeReserve Bank of India

Lending foreign money into India is an ECB under FEMA. Importing a machine is ordinary customs. This must be an equipment supply on deferred payment, never a loan.

EthiopiaEquipment supplied on deferred payment
inboundStripeFCA / FinCEN
fxThunes / OnafriqNBE-authorised partners
payouttelebirr / M-Pesa EthiopiaNational Bank of Ethiopia

Avoids Ethiopia’s foreign-borrowing approval process entirely.

ColombiaEquipment supplied on deferred payment
inboundStripeFCA / FinCEN
fxDLocalColombian FX intermediaries
payoutDLocal / NequiSuperintendencia Financiera

Keeps it a trade transaction rather than registered foreign debt.

BurundiEquipment supplied on deferred payment
inboundStripeFCA / FinCEN
fxOnafriqRegional partners
payoutLumicash / EcoCashBanque de la République du Burundi

Same as Rwanda, with thinner provider coverage.

  • ✓We never hold customer funds, licensed rails do.
  • ✓We never convert currency ourselves, licensed remitters do.
  • ✓We supply equipment on deferred payment; we do not lend money across borders.
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