SANDI AI
Transforming traditional rotational savings into communal asset e-banks for precision irrigation technology.
The Problem
Infrastructure Gap
96% of farmland relies on rainfall.
Human Impact
40% of population trapped in low productivity
Non-viable Solutions
Fossil Fuel (High Cost), unreliable Grid.
Assumption Irrigation
Even those who irrigate use assumptions on where to irrigate first or last.
Fossil Fuel (High Cost), unreliable Grid.
The Solution
WhatsApp Native Ledger
No complex apps. Groups manage weekly contributions and payout rotations via a familiar chatbot interface.
Rotational Asset Funding
The chatbot directs the group "pot" to finance Solar Irrigation Pumps for members on rotation.
AI Assistance
Using AI to know which farm zone needs irrigation first and which one needs last.
Farmers join a savings group in under 2 minutes via Sandi AI platform no paperwork required.
The group leader as well enters the group name, registers the other group members using their phone numbers. The group members can as well use their contacts to login, entering their OTP and accessing the platform.
They browse the available products and select the product they would wish the group to help contribute for them.
On this screen they can see the contribution plan of the product they want and as well as confirm it or choose another product.
Sandi AI orders a froup rotational round within the members and the group member with the cheapest product is prioritized and contributions for the product are then made.
Here the platform allows three different payment methods and the group member can choose on the two.
Once the contribution has been made, an e-receipt is issued which can either be downloaded or shared.
On here a summary of the contribution made, progress of the contribution towards the product are as well being shown to the user and the rotation continues.
Upon receiving the irrigation technology with the moisture tracker, a farmer is trained on how to zone the land.
Data from the sensors and images from the partner statelites are all sent to Sandi moisture intelligence model which sends real time data updates on which zone needs irrigation and which one needs later.
How it Works
Sandi AI digitizes the traditional "Merry Go Round", transitioning monthly community savings into sustainable irrigation ownership.
Market Opportunity
Sandi AI's community financing model is purpose-built for this gap — scalable, culturally resonant, and structurally distinct from existing offerings.
Business Model
Four revenue streams built around community trust, AI efficiency, and embedded financial services.
Supplier Commissions
Earned on every asset delivered through the platform aligned incentives between Sandi and suppliers
Embedded Financial Services
Insurance, savings, products and credit scoring sold into the community trust network over time
Transaction Fees
Small fees on installment processing and group savings management recurring and predictable.
AI Intelligence Model
Direct sale of irrigation and soil moisture intelligence AI assisted data.
Financial Analysis & Impact
| Metric | FY 2024 | FY 2025 | Status |
|---|---|---|---|
| Gross Market Volume | $2.44M | $2.9M ↑ 18.9% | Growing |
| Direct Solar Sales | $0 | $100.2k ↑ New | Launched |
| Total Revenue | $215.7k | $343.2k ↑ 59% | On Track |
| EBITDA (Operating Profit) | $64.7k | $102.9k ↑ 59% | Profitable |
| Net Profit (Post Tax) | $45.3k | $72.1k ↑ 59% | Positive |
Competitive Advantage
| Feature | Model | Cost | Trust | Access | Sandi AI | Group Savings | Interest Free | Social Capital | Unbanked Groups |
|---|---|---|---|---|
| PAYG (M-KOPA / SolarNow) | Individual Debt | High Financing Fees | Remote Lockout | Mobile Money Creditworthiness |
| Banks | Formal Loans | High Interest | Collateral | Salaried / Propertied |
Evolving Focus & Impact
The Team
Meet the team behind Sandi AI
Seeking
Platform Development
Expansion into Kenya & Tanzania
Customer Acquisition
Agricultural Financing Partnerships
"To become Africa's leading AI-powered financing platform for climate smart agriculture and clean energy access."
The infrastructure of rural agricultural financing across Africa does not yet exist at scale. Sandi AI is building it starting with East Africa's 500+ savings groups already on the platform and expanding from there.
Communities have saved together
Now they can grow together
Thank You
Building the infrastructure of rural
agricultural financing across Africa