About us
About Fairways.Tech
Fairways.Tech designs and operates secure, compliance‑aligned digital infrastructure that enables financial institutions, cooperatives and market partners to serve Africa’s rural communities with confidence — without exposing proprietary models or sensitive operational details.
Fairways.Tech B.V. (Netherlands) and Fairways.Tech Ltd (Ghana) together anchor a dual presence between Europe and West Africa. From day one we build to regulatory standard, aligning with frameworks such as AMLR, FATF, DORA, GDPR and Bank of Ghana supervisory expectations — ensuring institutional‑grade governance without disclosing internal methodologies.
We believe that smallholder farmers should have access to transparent, compliant financial services on the same terms as any other business. By creating trusted digital infrastructure, we help close the liquidity gap that prevents millions of farmers from investing, growing and improving their livelihoods.
Why we exist
Smallholder farmers face three critical barriers to accessing finance:
- The liquidity gap: Traditional financial institutions struggle to assess risk and serve rural markets profitably, leaving farmers without access to working capital.
- Informal value chains: Without transparent, traceable data on production, sales, and quality, farmers cannot prove creditworthiness or negotiate fair prices.
- Lack of trustable data: Financial institutions need reliable, verifiable information to make lending decisions, but this data is often fragmented or unavailable in rural contexts.
Fairways.Tech addresses these challenges by providing digital infrastructure that helps make rural production and financial activity visible in ways that banks and regulators can rely on — enabling compliant capital to flow to smallholder farmers without revealing sensitive internal processes.
Questions from partners & regulators
- Is Fairways.Tech a regulated financial institution?
- Fairways.Tech designs and operates digital infrastructure and works with licensed banks, payment institutions and EMIs. Regulatory licences are held by our partners; our platform is built to meet AML/CFT, KYC, Wwft, FATF, DORA, GDPR and Bank of Ghana supervisory expectations.
- Which markets does Fairways.Tech focus on?
- We have a dual presence in the Netherlands and Ghana, with an initial focus on horticulture and agriculture value chains in West Africa and other emerging markets where smallholder farmers are underserved by traditional finance.
- What type of data does the platform provide to institutions?
- Our rails capture season and crop information, transaction and repayment flows, agent-verified onboarding data and farm-level production signals, so institutions can assess risk and performance without us disclosing proprietary scoring models or sensitive internal methodologies.
- How does Fairways.Tech support AML, CFT and sanctions compliance?
- We design processes, data flows and controls to align with AMLR, FATF standards, Wwft and local AML laws. Our partners remain the licensed entities; we provide traceable rails, shared-responsibility workflows and audit-ready data to help them fulfil their obligations, including sanctions screening and transaction monitoring.
- Who typically partners with Fairways.Tech?
- Our ecosystem includes local and regional banks, cooperatives and buyers, development partners and regulators seeking transparent, compliant, data-rich rails for rural finance and horticulture in emerging markets.