Agpayy is an integrated digital platform solving the interconnected problems of post-harvest loss, access to market and credit commonly faced by rural smallholder farmers. It does this by connecting farmers to a ready, steady and transparent market and enable vendors to bypass the middleman and buy directly from the farm at a cheaper price plus zero delivery cost. Also, farmers and vendors with a positive credit score are given access to a credit facility to expand the size of their farm/enhance yields and to boost purchases respectively.