Grow Your Farm.
Get Paid What You're Owed.
lockt guarantees your payment from the exporter — backed by real escrow. No more middlemen taking your share, no more unpaid invoices, no more financial exclusion.
The System Has Failed You
For too long, farmers at the start of the supply chain have absorbed the most risk and received the least reward. lockt was built to change that.
You Grow It, Others Get Paid
Middlemen take 40–60% of value. By the time money reaches the farm, there's barely enough for next season.
Payment Comes Late — If At All
Average payment delay to farmers: 47 days after delivery. Many wait forever.
No Access to Finance
Banks don't lend to small farmers. Input costs go unpaid. Yield suffers.
No Voice in Disputes
When export deals go wrong, the farmer is last to know and first to lose.
How lockt Changes Everything
A four-step mechanism that mathematically guarantees your payment — built into every trade contract at creation.
Exporter Allocates Your Share
The exporter sets up the trade and allocates your percentage upfront in the contract — before anything ships.
Importer Funds Full Escrow
The importer deposits the full trade amount into lockt smart escrow — including your share. Funds are locked immediately.
Your Payment Releases Automatically
24 hours after you hand the goods to the exporter, the price you agreed releases to you automatically. No middleman can redirect it — ever.
Real-Time Visibility
You can see your payment status in real time from your farmer dashboard. No waiting, no guessing.
Your payment is protected by contract — not by trust.
The escrow smart contract allocates your share at trade creation. No single party — not the exporter, not lockt — can release your funds to anyone else. Settlement is automatic and on-chain.
Everything You Need In One Place
Your farmer dashboard gives you live visibility over every trade, every payment, and every opportunity — on your phone or computer.
Active Exporter Orders
See every live trade you are linked to, with your confirmed payment amount per trade.
Payment Progress
Advance / Partial / Final payment breakdown — updated in real time as milestones are hit.
Your Trust Score
A reputation score built from your verified trade history — improves your access to finance.
Trade Finance Applications
Apply for input loans, equipment finance, or cooperative working capital directly from your dashboard.
Cooperative Management Tools
Register and manage your cooperative, view member profiles, and apply for group lending.
Payment History
Full ledger of every payment received — exportable and blockchain-verifiable.
Finance Built for Farmers
Three products designed around the agricultural cycle — no credit bureau required.
We assess your creditworthiness using your platform behavior — not a credit bureau.
Agricultural Input Loans
Seeds, fertilizer, pesticides — funded before the season starts so your yield never suffers from cash gaps.
Equipment Finance
Upgrade your processing or packaging machinery. Repay from future trade settlements automatically.
Cooperative Working Capital
Group lending for registered cooperatives. Preferential rates for collective repayment commitments.
Stronger Together.
Paid Together.
Cooperatives unlock group benefits unavailable to individual farmers — preferential finance rates, collective bargaining power, and a shared dashboard to manage your members.
Group Registration
Register cooperatives with 10+ members. All members are individually KYC-verified under the group umbrella.
Cooperative Dashboard
Dedicated dashboard with member management, group trade allocation, and collective payment tracking.
Group Lending at Preferential Rates
Group lending from 1.2%/month — lower rates than individual loans because collective risk is lower.
Collective Bargaining
Negotiate export terms as a unified cooperative. Larger volumes = stronger negotiating position.
UTZ Certified
Rainforest Alliance
Fairtrade
Certified Organic
GlobalGAP
+ Upload yours
Your Certifications
= Higher Prices
Upload your farm certifications once. lockt verifies them, displays a verified badge on your profile, and unlocks premium listings that international buyers actively search for.
- Upload UTZ, Rainforest Alliance, Fairtrade, Organic, GlobalGAP certs
- Verified certifications unlock premium listings and higher pricing tiers
- International buyers filter the marketplace for certified produce
I used to sell cocoa through a local buyer who paid whenever he felt like it. Sometimes 3 months late, sometimes not at all. With lockt, my exporter (GoldCoast Exports Ltd) set up the trade, the Chinese buyer funded escrow, and I received my GHS 18,000 share the morning after delivery confirmation. I can plan now. I can plant more.
3 Simple Steps to Get Started
From registration to your first guaranteed payment — the process is straightforward and entirely free to start.
Register Free
Create your farmer account on lockt at no cost. No credit card, no hidden fees.
Upload Farm Documents + KYC
Submit your farm documents and complete identity verification. Approved in under 48 hours.
Connect With a Verified Exporter
Browse the marketplace and link to a verified exporter to start receiving payment allocations.
Secure Your Harvest
Payment Today
Join 4,800+ farmers and cooperatives who have made unpaid invoices a thing of the past. Your payment is guaranteed — by contract, not by hope.