YAPU Solutions

What YAPU Solutions does

YAPU Solutions GmbH is a Berlin-based SaaS company founded in 2017 that builds digital credit-assessment and climate-risk tools for microfinance institutions, credit unions, and banks serving smallholder farmers and microenterprises in developing countries. Its core product is a multilingual digital platform (web browser and Android mobile app, with offline field data collection) that automates loan processes by combining financial analysis with proprietary indicators for climate sensitivity, adaptive capacity, biodiversity risk, green-microcredit verification, and georeferenced exposure to drought, storms, floods, and frost. The platform exposes configurable questionnaires, role-based team management, and API integration for system interoperability with existing MFI/credit-union infrastructure.

The business operates a three-stream revenue model. A freemium product-led growth motion provides a free Android/browser app with basic financial, climate, and cash-flow analysis to acquire users. Paid SaaS subscriptions (monthly per-user licensing) convert institutional clients to full platform features including the proprietary climate-biodiversity indicator suite. Project-based consulting revenue comes from flagship institutional deployments: the MEbA Biodiversity Platform with UNEP, BMU Germany, and BNP Paribas (35 financial institutions across 11 countries), and the EcoMicro project in Ecuador with RFD and IDB Lab. Selected customers include COK Sodality (Jamaica), Banco Fie (Bolivia), Finca Peru, Interactuar and Contactar (Colombia), ASEI (El Salvador), Baobab Group (Côte d'Ivoire), PAMECAS (Senegal), and CAURIE MicroFinance (Senegal). Strategic partnerships with CIAT/CGIAR and GAWA Capital support the Scale for Resilience initiative under the UNFCCC Race to Resilience campaign, targeting 100,000 smallholder farmers over five years.

YAPU operates from headquarters in Berlin (Schönhauser Allee 44A) with a regional office in Quito (YAPU Services Ecuador S.A.). The company is GDPR-compliant, founder-led (Managing Director Christoph Jungfleisch), and independently financed without disclosed venture or growth-equity backing. Distribution combines self-serve freemium, conference-based thought leadership (COP27, Climate Adaptation Summits), and donor-funded enterprise deployments through development finance institutions including BNP Paribas, IDB Lab, IDB Invest, FMO, Grameen Foundation, IFAD, and SIDI.

Name

YAPU Solutions

Legal name

YAPU Solutions GmbH

Website

https://yapu.solutions

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

11–50 employees

Short description

YAPU Solutions provides a SaaS credit-assessment platform integrating financial, climate, and biodiversity risk indicators for microfinance institutions, credit unions, and banks serving smallholder farmers in Latin America and West Africa.

Ownership category

akta.pro rank

Product category

Agricultural Microfinance Software

NAICS

Software Publishers (513210), Credit Bureaus (561450)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320), Services-Prepackaged Software (7372)

akta.pro primary industry

SME Credit Underwriting, Scoring & Risk Analytics (FSAKAGAL)

akta.pro secondary industries

Agricultural & Rural Microfinance (FSAKAGAG), Farm Finance, Input Procurement & Risk Tools (Budgeting, Inventory, Insurance Links) (AFAAAFAO)

Keywords

• Agricultural microfinance software
• Climate risk assessment
• Biodiversity risk analytics
• Digital credit scoring
• Resilience finance platform

Headquarters

HQ city

Berlin

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. SaaS Subscription Licensing: Monthly per-user license fees for access to YAPU digital platform, with ongoing development and support included.
2. Freemium Model: Free account with basic features (financial risk analysis, payment capacity estimation, climate risk analysis, automatic calculations) to drive adoption and conversion to paid tiers.
3. Project-Based Consulting Services: Exclusive executing contractor role for projects like EcoMicro and MEbA, providing implementation methodology, institutional assessment, climate strategy development, and platform deployment.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

YAPU Solutions builds and licenses a SaaS-based digital platform (web application plus Android mobile app) that enables microfinance institutions, credit unions, and banks in developing countries to digitize data collection, perform automated credit assessment, and integrate climate, biodiversity, and adaptive-capacity risk indicators into agricultural lending decisions. Offerings include a freemium tier, per-user SaaS licensing, project-based deployments such as the MEbA Biodiversity Platform and EcoMicro, and investor services for impact measurement and portfolio monitoring.

Product overview

YAPU Solutions provides a unified digital resilience finance platform designed for financial institutions in developing countries serving vulnerable populations, microenterprises, and small-scale farmers. The core offering consists of the YAPU Digital Platform (delivered as SaaS via browser and Android app) with a freemium tier, integrated with specialized modules for investor services and data insights. The platform enables automated credit assessment combining financial, climate, and biodiversity risk analysis. Supporting initiatives include the MEbA Biodiversity Platform (developed in partnership with UN Environment and BNP Paribas) for integrating biodiversity considerations into agricultural lending, the EcoMicro project in Ecuador for climate-smart agricultural finance, and the Scale for Resilience initiative with CIAT/CGIAR and GAWA Capital to expand climate-smart financing across Latin America and Africa. YAPU also provides specialized indicators for climate sensitivity, adaptive capacity, biodiversity risk, and exposure data analysis.

Differentiator

Problem solved

Functional benefit

Products and services

• YAPU Digital Platform SaaS-based digital platform for financial institutions to digitize loan processes, perform automated credit assessment, and integrate climate, biodiversity, and adaptive capacity risk indicators into agricultural lending decisions.
• YAPU App (Android Mobile Application) Mobile and web application for financial institution staff to collect client data offline and sync to the platform when connectivity is available.
• YAPU Freemium Version Free entry-tier version of the YAPU app providing basic financial risk analysis, payment capacity estimation for trade, service, manufacturing, and agricultural activities, climate risk analysis, and automatic loan installment calculations.
• YAPU Investor Services Service offering for impact investors and development finance institutions providing the Path to Resilience framework, impact measurement tools, and real-time portfolio monitoring across climate, environmental, and social risks.
• MEbA Biodiversity Platform Online biodiversity and climate risk assessment platform for financial service providers in Latin America and West Africa, offering enhanced digital credit analysis including green microcredit verification.
• EcoMicro Project Platform Climate-smart agricultural finance project deployment for partner MFIs in Ecuador, delivered via the YAPU digital platform with implementation methodology and institutional assessment services.
• Scale for Resilience Initiative Initiative platform enabling climate-smart financing access for small-scale farmers in Latin America and Africa, providing resilience finance tools and impact measurement infrastructure.

Quantifiable outcome

• Complete national-level risk maps available for drought, storms, floods, and frost in Ecuador and Guatemala
• +2 more outcomes

Named customers9 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability5 records

Feature9 records

Partnerships

Seven partnerships are on record, tiered core, supporting and long-term.

• CIAT/CGIARcoreStrategic or Co-development Partner · 1 January 2021Research partnership with International Center for Tropical Agriculture (now Alliance of Bioversity International and CIAT) for climate data, exposure mapping, and NbScale4Resilience initiative. CIAT provides scientific backing for climate risk indicators and agricultural productivity analysis.
• GAWA CapitalcoreStrategic or Co-development Partner · 1 January 2021Spanish impact investor co-leading the NbScale4Resilience initiative. Provides investment perspective and access to impact investment networks for scaling resilience finance solutions.
• UNEP (United Nations Environment Programme)coreStrategic or Co-development Partner · 1 October 2020MEbA project implemented by UNEP with YAPU providing the digital platform. Project involves 35 financial institutions in 11 countries. UNEP provides institutional framework, funding from BMU Germany, and global visibility.
• RFD (Rural Finance Development)coreStrategic or Co-development PartnerImplementation partner for EcoMicro project in Ecuador. RFD contributes local expertise and network access for deploying YAPU's climate-smart agricultural finance platform.
• ID-inspiring developmentsupportingImplementation/ SI/ Consulting PartnerDevelopment consulting firm that partnered with YAPU for the COVID-19 response webinar series for financial institutions in Latin America.
• DigitalBank LatAmsupportingImplementation/ SI/ Consulting PartnerRegional fintech partner for COVID-19 webinar series, contributing expertise on digital banking for Latin American financial institutions.
• CAURIE MicroFinancelong-termChannel Partner/ Reseller/ DistributorLong-term implementation partner in Senegal where YAPU conducted intensive software training and deployment. CAURIE uses YAPU platform for agricultural credit assessment.

Scale indicators4 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Apollo Agriculture: Agri-fintech serving smallholder farmers in Africa with credit, inputs, and agronomy — directly comparable to YAPU's agricultural credit + risk-assessment proposition.
• Mifos Initiative: Open-source core platform for microfinance institutions — comparable in that it serves MFI digital transformation, although at the core-banking layer rather than the credit-risk-data layer.

Broad incumbents

• Branch International: Mobile-first financial services platform serving unbanked and emerging-market borrowers — overlaps with YAPU's credit decisioning for underbanked populations but at materially larger scale.
• LenddoEFL: Credit scoring and verification for emerging-market borrowers using alternative data — directly parallels YAPU's lender-side risk scoring but for general (not agricultural) credit.
• Tala: Mobile credit platform for underbanked consumers in emerging markets via alternative data underwriting — comparable alternative-data credit-assessment model.
• Climate Corporation (Bayer / Climate FieldView): Large incumbent offering agronomic data and climate risk insights — relevant as a potential competitive entrant bundling climate risk data into broader agricultural digital platforms serving lenders and producers.

Emerging players

• aWhere: Agricultural weather and climate data and analytics provider — overlapping risk-data foundation that could supply or compete with YAPU's climate-exposure layer.
• CropX: Soil and agronomy analytics platform with sensor + data integration — adjacent in agricultural risk analytics, though focused on farm operation rather than lender credit decisioning.
• FarmDrive: Kenyan agri-fintech providing credit scoring for smallholder farmers using alternative data — most direct African comparable to YAPU's MFIs farmer credit assessment mission.

Others

• MUSO: Not-for-profit focused on health-system strengthening rather than finance, but adjacent given shared donor and partner ecosystems (UN agencies, development finance) used by YAPU.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights5 records

Customer concentration

• Xx.com/YAPU_Solutions
• LinkedInlinkedin.com/company/yapu-solutions

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Funding overview

Funding rounds

Investors

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 YAPU Solutions