Terrafy

What Terrafy does

Terrafy is a Nairobi-based technology enterprise that digitizes, verifies, and monitors undocumented rural land parcels across Sub-Saharan Africa, converting them into finance-ready records for institutional use. The company operates the Terrafy Land Intelligence Platform, built around three core capabilities: parcel digitization (capturing baseline records of rural parcels), parcel verification (deeper due-diligence processes that establish trust in those records), and ongoing land monitoring (continuous tracking of parcel status to maintain verifiability over time). The platform is positioned as a trust layer beneath rural finance — 'land infrastructure insurance' — enabling insurers, banks, development finance institutions, cooperatives, governments, and climate finance mechanisms to underwrite rural credit, agricultural insurance, and climate programs against verified parcel data. The operating entity is Terrafy Atlas Limited, founded in 2025/2026 in Kenya, with CEO Victor Shikoli leading the company and current live operations across three Kenyan counties where over 20,000 rural parcels have been digitized and 2,000+ are progressing through deeper verification. The company is currently self-funded by its founders while preparing a formal seed funding round, and was selected as a Top 10% finalist in the MassChallenge Switzerland 2026 Accelerator from over 2,500 global applicants.

Terrafy generates revenue through three streams: transaction fees for parcel verification, recurring subscription revenue for ongoing land monitoring, and managed-service revenue from enterprise partnerships. The company runs a high-touch, consultative enterprise sales motion through a 'Request Access' model, working with a 'small number of institutional partners' rather than a self-serve or SMB channel, and does not publicly disclose pricing. Customer acquisition is led by direct outreach to institutions building rural finance products, supplemented by the company's MassChallenge recognition and a LinkedIn presence targeting the rural-finance ecosystem. Pricing signals are absent, and no customer logos or named institutional partners are disclosed in the available data.

Name

Terrafy

Legal name

Terrafy Atlas Limited

Website

https://terrafy.africa

Company type

Private

Founded year

2026

Operating status

Operating

Headcount range

11–50 employees

Short description

Terrafy is a Nairobi-based technology enterprise that digitizes, verifies, and monitors undocumented rural land parcels across Sub-Saharan Africa, converting them into finance-ready records for insurers, lenders, DFIs, cooperatives, governments, and climate finance buyers serving rural economies.

Ownership category

akta.pro rank

Product category

Rural Land Intelligence Infrastructure

NAICS

Title Abstract and Settlement Offices (541191)

SIC

Services-Computer Processing & Data Preparation (7374)

akta.pro primary industry

Land Administration & Cadastral Services (Public Land Records, Parcel Management) (BPAIANAH)

akta.pro secondary industry

Mapping & Basemap Platforms (Tiles/SDKs) (BPAMANAB)

Keywords

• Rural land intelligence
• Parcel verification services
• Land digitization infrastructure
• Geospatial finance data
• Rural credit underwriting

Headquarters

HQ city

Nairobi

HQ country

Kenya

HQ region

Africa

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Parcel Verification: Revenue generated from verifying rural land parcels for financial institutions, converting undocumented land into verified records
2. Land Monitoring: Ongoing monitoring services for verified parcels, providing continuous trust infrastructure for financial products
3. Enterprise Partnerships: Partnership-based revenue working with insurers, lenders, DFIs, and ecosystem operators building products that need parcel-level trust

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Terrafy digitizes, verifies, and monitors rural land parcels across Sub-Saharan Africa, converting undocumented land into finance-ready records that financial institutions can underwrite against. Its core offering is a parcel-level land intelligence platform combining one-time parcel verification (transaction-fee), ongoing land monitoring (subscription), and enterprise partnerships with insurers, lenders, DFIs, cooperatives, governments, and climate funds.

Product overview

Terrafy offers a unified land intelligence infrastructure platform providing parcel-level land intelligence for Africa's rural finance markets. The core offering consists of the Terrafy Land Intelligence Platform, supported by Parcel Verification and Land Monitoring services. Together, these products enable financial institutions to serve underserved landholders by digitizing, verifying, and monitoring rural land parcels. The company generates revenue through parcel verification fees, land monitoring subscriptions, and enterprise partnerships with insurers, lenders, development funds, and governments.

Differentiator

Problem solved

Functional benefit

Products and services

• Terrafy Land Intelligence Platform Parcel-level land intelligence infrastructure platform that digitizes, verifies, and monitors rural land parcels, enabling financial institutions to underwrite against trusted land records. Built for insurers, banks, DFIs, cooperatives, governments, and climate funds serving Africa's rural economies.
• Parcel Verification Verification service that transforms undocumented rural land into finance-ready records that institutions can underwrite against with confidence. Used by insurers, lenders, DFIs, cooperatives, governments, and climate funds.
• Land Monitoring Ongoing monitoring service for rural land parcels that tracks changes and maintains verified status over time, providing continuous trust infrastructure for rural financial products.

Quantifiable outcome

• 20,000+ rural parcels digitized and 2,000+ in verification pipeline

Segments6 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Landmapp: Landmapp documents and maps informal land rights for smallholder farmers in Africa, producing geo-referenced records usable for credit and lending — a near-identical product proposition to Terrafy's parcel digitization and verification. The two companies compete head-to-head for the same institutional partners (lenders, NGOs, governments) seeking rural land records.
• Pula: Pula provides agricultural insurance and advisory to African smallholder farmers, embedding directly into the same rural finance ecosystem (insurers, DFIs, governments) that Terrafy serves. Both companies operate at the intersection of risk mitigation and rural financial inclusion in Sub-Saharan Africa, with Pula focused on insurance products and Terrafy on the underlying land trust layer those products need.
• Acre Africa (now part of Pula): Acre Africa designs and distributes index-based agricultural insurance products for smallholder farmers across Sub-Saharan Africa. It is a direct peer in the rural insurance and risk-coverage space that Terrafy's land verification layer is explicitly built to enable.

Regional players

• Esoko: Esoko is an African agricultural data and digital advisory platform that collects farmer and parcel data for agribusinesses, governments, and NGOs. It overlaps with Terrafy on farmer profiling and rural data infrastructure, but with a broader advisory rather than land-titling focus and primarily West African operations.

Broad incumbents

• Apollo Agriculture: Apollo Agriculture uses satellite data, machine learning, and farmer profiles to underwrite credit for Kenyan smallholders. While it operates a broader agritech platform rather than specializing in land records, it competes for the same rural finance customer base and increasingly depends on verified land and farm data similar to what Terrafy provides.
• SunCulture: SunCulture sells solar-powered irrigation and climate-smart agriculture solutions to Kenyan smallholders, financed through partner financial institutions. It shares Terrafy's rural Kenya customer base and the same institutional channel partners (insurers, lenders), and increasingly relies on verified farmer and land data for credit decisions.
• aWhere: aWhere operates a global agricultural intelligence platform using satellite imagery, weather data, and agronomic analytics. While broader in scope and global in reach, it overlaps with Terrafy on the geospatial/data infrastructure layer used to monitor and verify agricultural land parcels across emerging markets.

Emerging players

• FarmDrive: FarmDrive is an early-stage Kenyan fintech that builds alternative credit-scoring models for smallholder farmers using agronomic and satellite data. It intersects with Terrafy's land-data layer as a potential downstream credit partner, but its narrower focus on credit analytics rather than full land verification makes it an emerging peer rather than a direct competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks7 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/terrafy
• Facebookfacebook.com/profile.php

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Terrafy