A Digital Partner co-invests in a lot
Capital enters as a share of the harvest, not as an obligation with a fixed due date.
AgriFintech · Delaware C-Corp + Honduras S.A. de C.V.
Debt never shared the farmer's risk. We built the capital that does.
Harvverse replaces agricultural debt with profit-sharing partnerships — capital that shares the harvest instead of ignoring its risk. We start with specialty coffee in Honduras.
Two registered entities · Delaware, USA + Honduras. Backed by Endeavor×IICA, CopernicusLAC (ESA + IDB) and Claude for Startups.
What is Harvverse
Harvverse is an AgriFintech company that replaces agricultural debt with profit-sharing.
A Digital Partner co-invests in a verified coffee lot and shares the harvest's profit with the farmer, instead of lending. Harvverse operates through two legal entities: Harvverse Inc. (Delaware, USA) and Harvverse Honduras S.A. de C.V. It is headquartered in San Pedro Sula, Honduras, and was founded in 2023.
The model is crop- and country-agnostic: agricultural debt is the wrong instrument everywhere smallholders farm. We start where we have unfair advantage — Honduran specialty coffee.
The problem
A loan comes due — good harvest or bad.
The farmer carries 100% of production risk. When the harvest fails, the farmer loses and the lender loses. This is not a financing gap; it is the wrong instrument.
- $200B+Global financing gap for smallholder farmers
- 100%Of production risk sits with the farmer today
- 1×/yearIncome arrives once a year — payments do not wait
The model
A partner co-invests. Both share the harvest.
Profit-sharing, not debt. If the harvest performs, both earn. If it underperforms, the risk is shared — not transferred to the farmer.
The farmer keeps most of the profit
The farmer still owns the land and runs the operation. Capital works with them, not over them.
The split is positive-sum
The outcome is settled transparently and verifiably for both sides.
| Traditional agricultural debt | Harvverse Digital Partnership | |
|---|---|---|
| Instrument | Loan plus interest | Profit-sharing partnership |
| Who carries harvest risk | The farmer (100%) | Shared between farmer and partner |
| If the harvest fails | The farmer still owes | Both earn less; the farmer owes nothing |
| Verification | Minimal | Satellite-scored, milestone-based |
| Capital custody | — | Regulated banking partner |
| Capital provider’s return | Fixed interest, regardless of outcome | A share of the actual harvest profit |
Regulated bank custody
Capital is held by a supervised financial institution and released against verified milestones.
Independent satellite verification
Lot condition is verified with Earth-observation data, not with self-reported claims.
End-to-end traceability
Every contribution and every settlement is recorded and auditable by both parties.
Impact
Shared prosperity, not extraction.
The differentiator is not the technology: it is who keeps the value. In our model the farmer keeps most of the profit and gains access to capital that did not exist for them before.
Validation & recognition
Serious people already believe in this.
- 1st placeEndeavor×IICA AgTech Accelerator 2026
- Top 3CopernicusLAC Hackathon
- GoldFintech Americas
- SelectedDigital Agriculture Week 2026
- SelectedPrototypes for Humanity
- ProgramClaude for Startups
- Fintech memberAFINH
- First cohortVerdeXcelerate
- ProgramEmpreLatam
Company
A real company. Two jurisdictions. Real people.
Harvverse Inc. is a Delaware C-Corp in the United States and Harvverse Honduras S.A. de C.V. is the operating entity in Honduras. The company was founded in 2023 by Jorge Lanza and Carol Guevara.
