Ergos is an Agri-fintech startup company serving lakhs of Indian farmers. The goal is to digitize the entire crop cultivation process, facilitate loan processing, and build an e-commerce platform for selling agri-input products. The system serves three main customer groups, namely farmers, traders, and Ergos’ internal teams. It is built on a SaaS-based architecture, supporting both B2C and B2B use cases

Farmer App: Using this app, farmers are able to deposit their grains in nearby warehouses, view price trends, perform quality checks on deposited grain, and sell their products online at a specific price. Payments are settled directly into farmers’ bank accounts using a pay-in/pay-out payment system.
Farmers can check their CIBIL scores and have the option to apply for loans from multiple banks and financial institutions at a very low annual interest rate. The entire loan application process—including processing, eligibility validation, pledging and de-pledging, along with payments—happens online. Loan processing and distribution are completed within 24 hours of application submission by integrating in real time with banks and lenders.
Farmers will also be able to buy agricultural inputs using the Farmer app. These inputs are sold by multiple third-party vendors, and the products will be shipped to a nearby warehouse before being distributed to farmers’ households

Traders and buyers use the Buyer app to view available grains in nearby warehouses, along with the quality metrics of various grain grades, stack information, fumigation plans, live video feeds of stocks, and current trending prices. They will be able to purchase grains online, make payments (for high-ticket transactions), and schedule deliveries within a period of 15 to 20 days. During this process, buyers and farmers pay rent to Ergos for the deposited grains. Buyers can also take loans using purchased grains as collateral from banks and financial institutions via the Buyer app. The entire loan application process—including processing, eligibility validation, pledging, and de-pledging—along with payments, happens online
Each warehouse is managed by a village champion, who is responsible for maintaining a relationship with farmers associated with the warehouse, inwarding grains, performing quality checks and validation during the inward process, maintaining the quality of grains in the warehouse through the fumigation process, and overseeing the outward movement of grains during delivery to buyers. All these processes are executed using the Village Champion app in real-time. Stock closure, inventory consolidation and validation, and error and fraud detection are performed at the end of the day by the batch processing system.

Apart from this, a backend core system performs data analytics, financial data reporting, multiple system alerts for smooth inventory management, real-time payment processing, error detection, security monitoring, and price prediction