A de Agro

What A de Agro does

Sette is a Brazilian agricultural-finance technology company formed in June 2024 from the merger of A de Agro and Bart Digital. It operates two integrated platforms: Rural Uno, a risk-analysis and credit-decisioning suite for agricultural financing, and Ativus, a digital title-formalization and certificate-search platform. Together with the CPR Sette product (a Rural Product Note instrument with seven-step verification), the company addresses the full workflow of agricultural lending, from property identification and ESG screening through credit capacity analysis, satellite-based crop monitoring, digital signature, and registration at B3 and CERC registries.

The technology stack combines deep learning (convolutional neural networks and Transformer architectures) for satellite-based parcel segmentation and crop classification, machine learning and decision trees for productivity prediction and credit capacity (DRE) generation, and large language models for document interpretation (notarial certificates, CNDs, CPRs). The company maintains a proprietary dataset covering 120 million hectares monitored across 1,200 Brazilian municipalities over the last four years, supported by integrations with Brazil's Central Bank, B3, and CERC systems.

The go-to-market is a direct enterprise sales motion targeting Brazilian banks, fintechs, cooperatives, and agricultural creditors, with revenue generated through subscription-based platform fees and per-transaction charges on certificate searches. The company reports 400+ clients served, R$40 billion in agricultural titles and guarantees processed through the platform, and operations backed by roughly $5.75 million in disclosed venture funding (Series 1 from SP Ventures, Series 2 led by DXA Invest with ACE Ventures), alongside capital from multiple accelerators including Google for Startups, Raízen's Pulse Hub, BRDE Labs, SVG Ventures, and Banco Alfa's investment vehicle. The company operates from São Paulo, Londrina, and Manaus, with headcount in the 11-50 range and a stated objective of reaching breakeven via a planned R$10 million round in 2024.

Name

A de Agro

Legal name

Sette

Website

https://adeagro.com.br

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

Sette (formed from the 2024 merger of A de Agro and Bart Digital) is a Brazil-based B2B agricultural-finance technology company offering AI-powered risk analysis, satellite crop monitoring, digital signatures, and CPR registration for banks and agricultural creditors serving rural lending markets.

Ownership category

akta.pro rank

Product category

Agricultural Fintech / AgTech Risk Analytics

NAICS

Support Activities for Crop Production (11511)

SIC

Agricultural Services (700)

akta.pro primary industry

Farm Data Management & Decision Support Services (FMIS Setup, Data Integration, Analytics) (AFACACAC)

akta.pro secondary industries

Remote Sensing & Crop Scouting Services (Satellite, Drone Imagery, In‑Field Sensing) (AFACACAA), Remote Sensing & Imagery Analytics (Satellite, Drone, Aerial) (AFABAMAB), Decision Support & Agronomic Modeling (Yield, Irrigation, Pest/Disease Forecasting) (AFAAAFAF)

Keywords

• Agricultural risk analytics
• Rural credit platform
• Agricultural financing software
• Satellite crop monitoring
• CPR registration services

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices3 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Risk Analysis Platform (Rural Uno): Subscription-based platform providing agricultural risk analysis, satellite monitoring, and credit decision support for financial institutions.
2. Digital Certificate and Title Services (Ativus): Digital platform for agricultural title formalization, guarantee registration, and electronic certificate searches.
3. Digital Signature Services: Digital signature services for agricultural documents with advanced authentication options.
4. Certificate Search Services: Electronic search for notary certificates and CNDs used in credit analysis and payments to rural producers.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

A de Agro (now Sette) provides AI-powered software platforms for agricultural financing risk analysis and digital title formalization. Its Rural Uno platform delivers property identification, satellite-based crop monitoring, ESG compliance checks, and credit capacity analysis for lenders, while its Ativus platform digitizes CPR (Cédula de Produto Rural) registration, notarial certificate searches, and electronic signatures. The combined offering targets Brazilian banks, fintechs, and agricultural creditors seeking to streamline rural credit workflows.

Product overview

Sette (formed from the 2024 merger of A de Agro and Bart Digital) offers a unified platform architecture for agricultural financing composed of two core platforms: Rural Uno (risk analysis and credit decision platform) and Ativus (digital title formalization platform). Rural Uno includes Motor Territorial, Motor ESG, Motor Agro, Motor Financeiro, Satellite Monitoring, and Rural Vis modules for comprehensive agricultural risk assessment. Ativus provides Assinador (digital signature), certificate searches, and guarantee registration capabilities. CPR Sette is a specialized seven-step verified Rural Product Note product. The platforms integrate AI technologies including deep learning for satellite image analysis, ML for productivity prediction, and LLMs for document interpretation.

Differentiator

Problem solved

Functional benefit

Brands

• Rural Uno: Platform for agricultural financing risk analysis and decision-making, featuring Motor Territorial, Motor Agro, Motor ESG, Motor Financeiro, Satellite Monitoring, and Rural Vis modules.
• Ativus

Products and services

• Rural Uno AI-powered platform for agricultural risk analysis and credit decision-making targeting banks, fintechs, and agricultural creditors. Combines Motor Territorial (rural property identification via CPF/CNPJ), Motor Agro (satellite-based crop analysis with four years of historical data), Motor ESG (socioenvironmental compliance), Motor Financeiro (credit capacity analysis), satellite monitoring, and the Rural Vis dashboard.
• Ativus Digital platform for formalization of agricultural titles and guarantees and electronic certificate searches. Provides the Assinador (digital signature with biometric, SMS, or WhatsApp authentication), electronic notarial certificate searches and CNDs, centralized CPR registration at B3/CERC, and Consult reports showing lawsuits and CPR exposure for a given CPF/CNPJ.
• CPR Sette Cédula de Produto Rural (Rural Product Note) issued via Sette with a seven-step verification process designed to enhance security across the agricultural financing journey. Registered at B3/CERC central registrars.

Quantifiable outcome

• R$40 billion moved in agricultural titles and guarantees
• +2 more outcomes

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability5 records

Feature8 records

Partnerships

Two partnerships are on record, tiered core.

• B3coreStrategic or Co-development PartnerIntegration partner for CPR (Cédula de Produto Rural) registration. Sette enables centralized CPR registration in B3/CERC through its platform.
• CERCcoreStrategic or Co-development PartnerCentral Registry partner for rural product notes. Sette integrates with CERC for guarantee registration services.

Scale indicators4 records

Recent moves5 records

Expansion highlights6 records

Direct peers

• Agrotools: Brazilian agricultural intelligence platform providing satellite monitoring, ESG compliance, and rural property risk analysis for agribusiness and financial institutions. Directly comparable to Sette's Rural Uno platform with overlapping AI-powered risk analysis modules.
• Traive: Brazilian-born ag-fintech that connects farmers, lenders, and investors through a data-driven credit platform using AI for risk assessment and loan origination. Direct competitor in agricultural credit risk analysis and digital lending infrastructure.
• Agrolend: Brazilian agricultural credit fintech offering direct financing to farmers with digital workflow and credit analysis capabilities. Comparable in target market (Brazilian ag credit) and B2B financial institution focus, though operates more as a lender than software platform.
• Taranis: AI-powered crop intelligence platform using aerial imagery and deep learning for field scouting, crop health monitoring, and yield prediction. Directly comparable in satellite-based crop monitoring and AI/ML risk analysis technology stack.
• Solfia: Brazilian ag-fintech providing digital credit solutions and financing infrastructure for the agricultural value chain. Competes with Sette in serving banks and agribusiness with credit workflow automation and risk analysis.

Broad incumbents

• Indigo Ag: US-based agricultural technology company providing data-driven agronomic insights, sustainability programs, and digital agronomy to growers and agribusiness. Comparable in satellite and AI-based agricultural analysis, though broader geographic scope and larger scale.
• Climate LLC (Bayer FieldView): Digital agriculture platform owned by Bayer, providing satellite imagery, field monitoring, and agronomic decision support to farmers and agribusiness globally. Comparable in satellite monitoring and farm management software, with much broader geographic and crop coverage.

Emerging players

• CropX Technologies: Israeli-founded precision agriculture platform combining soil sensors, satellite imagery, and AI for farm management and irrigation decisions. Comparable in AI-driven agricultural decision support but focused on field-level operations rather than credit risk.
• Terra.do: Brazilian agtech marketplace and credit infrastructure platform connecting farmers with input suppliers and financial services. Comparable in agricultural digital ecosystem focus and Brazilian market, with overlapping customer base in ag lenders.

Others

• Solifi: Global provider of asset finance and lending software solutions to financial institutions, including equipment and agricultural finance. Comparable as adjacent infrastructure serving the same financial institution customer base with workflow and credit decision tools.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@setteag
• LinkedInlinkedin.com/company/setteag/?viewAsMember=true
• Instagraminstagram.com/sette.ag

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds2 records

Investors3 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about A de Agro