Flagship Platform
Introducing Harvest Ghana
Harvest Ghana is Karvia's mobile-first B2B platform — delivering farm-to-fork supply-chain visibility, embedded mobile-money finance, and on-demand logistics in one unified operating system. From a smallholder listing produce via USSD to an exporter managing compliance dashboards, every actor works from the same source of truth.
₵649B
Mobile-money transactions in Ghana, Jan–Feb 2025. 64.7% year-on-year growth.
80%+
Adult Ghanaians on mobile money. MTN MoMo and Vodafone Cash lead adoption.
5×
Market growth projected by 2033. ~18% CAGR — the infrastructure is already here.
Capabilities
Seven systems, one platform
Built for enterprise scale. Designed for every farmer.
Embedded Finance
Finance built into every transaction
In Ghana, mobile-money transactions exceeded GH₵649 billion in just the first two months of 2025 — a 64.7% year-on-year jump. The market is on track to nearly quintuple by 2033. Embedding finance into Harvest Ghana isn't nice-to-have — it's critical infrastructure.
MoMo APIs
In-app wallet reads and writes directly via MTN and Vodafone MoMo APIs. P2P transfers, escrow, and bill payments — no redirects, no friction.
Micro-Credit at Checkout
Advance up to ₵500 to list today — repay automatically when you sell. Partner MFIs underwrite at competitive rates, embedded at point of listing.
Parametric Insurance
Weather-index crop insurance bundled at under 10% premium, paid via mobile money. Covering climate risk at scale.
Escrow + GPS Release
Buyer funds held until GPS-verified delivery confirmed by both parties. 0.5–1% escrow fee. Trust built in.
Tiered KYC
USSD + OTP only. No smartphone required.
National ID upload + selfie verification.
Full biometric KYC. Enterprise-grade access.
Low friction for smallholders. Full capacity for enterprise. Compliance without compromise.
Partners
Built for every link in the chain
Whether you fund it, regulate it, run it, or build on it — there's a place for you.
Investors
$500M+ market opportunity with a recurring-revenue model — transaction fees, SaaS licensing, escrow fees, and a data marketplace. More members means richer data, means more revenue for every participant.
$500M+NGOs + Gov
Real-time policy dashboards for food-security planning, impact measurement, and evidence-based policy. Track smallholder income, crop yields, and logistics performance as it happens.
Real-timeCooperatives
White-label Co-op Suite transforms your co-op into a digital enterprise. Manage listings, logistics, finance, and reporting from one portal — built for smallholders today, enterprise-grade tomorrow.
White-labelDevelopers
Open API sandbox for seamless integrations. Plug Karvia forecasting, escrow, or logistics APIs directly into your own products — and reach Africa's largest agri-data network.
Open APIImpact
UN Sustainable Development Goals
No Poverty
Zero Hunger
Decent Work
Responsible Consumption
Climate ActionContact
Let's build together
Whether you're a cooperative, investor, NGO, or technology partner — we'd like to hear from you.
sales@karviasporra.com