Financial Risk Management
Validate customer payment eligibility and lower overall financial risk before you lend.
0–100
Profile risk rating on every applicant, updated in real time.
About Farmsky
Enterprise-grade credit intelligence & identity verification for modern lenders
Farmsky (Farmscore) helps banks, microfinance institutions, SACCOs and fintechs verify customers, quantify risk and onboard faster — through one secure, standards-based platform built for African and global financial institutions.
300–850
Composite score range
8+
Core-banking connectors
<300ms
Median API latency
5
Countries supported
How can we help your business
Everything you need to verify your customers. In a single platform.
From identity checks and watchlist screening to cash-flow analysis and explainable credit scoring — compose the exact verification journey your institution needs, without writing glue code.
- Unified verification, risk and onboarding
- Bank-grade security & auditability by default
- Plug-and-play with your core-banking stack
Farmscore · Verification Console
LIVE
AK
Amina Kello
Verified
JM
John Mwangi
In review
SO
Sarah Otieno
Verified
Documents
National ID
M-Pesa statement
Composite risk score
712
Risk tier A · Auto-approve
Credit bureau (CRB)82
Cash-flow strength74
Identity & KYC96
Agronomic risk61
Core capabilities
Four building blocks that cover the full customer-verification lifecycle.
Authentication
Secure access control for user login and account-verification workflows.
Email OTPSecurity PIN
Customer Onboarding
Accelerate conversion by streamlining and simplifying the sign-up experience.
LocationGov IDUpload
KYC & AML Compliance
Build custom verification workflows that comply with regional KYC and AML regulations.
Identity docsGov DBWatchlist
Built to a global standard
Security first
API keys, HMAC signing, rate limiting, idempotency and a hash-chained audit log.
Compliance ready
Kenya DPA 2019, CBK CIS & DCP 2022, GDPR-style data retention.
Plug-and-play
Connectors for Mambu, Temenos, Finacle, Fineract, Flutterwave, Paystack & M-Pesa.
Pan-African
Kenya, Nigeria, Uganda, Tanzania and Rwanda — one integration.
Ready to verify smarter and lend with confidence?
Create a free sandbox account and build your first verification workflow in minutes.