How Ethiopia’s Digital Warehouse Receipt Platform Works
Eth-Farm is Ethiopia’s first nationally integrated digital warehouse receipt and financing platform. It modernizes agricultural storage and loan processing by connecting borrowers, warehouses, banks, operators, and regulators into a single transparent digital ecosystem.
Step 1: Registration & Identity Verification
Depositor Registration (Borrowers)
All depositor types — farmers, cooperative unions, and processors — must register to access the platform. Registration is fully digital and integrated with national systems to ensure accurate identity verification and compliance.
Identity & Business Verification
Processors and cooperative unions verify their TIN, allowing the system to automatically fetch trade and business data from e-trade. Farmers register using their National ID or FAN number. Once verified, a dedicated dashboard is instantly created.
Step 1: Registration & Identity Verification
Depositor Registration (Borrowers)
All depositor types — farmers, cooperative unions, and processors — must register to access the platform. Registration is fully digital and integrated with national systems to ensure accurate identity verification and compliance.
Identity & Business Verification
Processors and cooperative unions verify their TIN, allowing the system to automatically fetch trade and business data from e-trade. Farmers register using their National ID or FAN number. Once verified, a dedicated dashboard is instantly created.
Step 2: Operator & Warehouse Enablement
Operator Onboarding & Approval
Warehouse owners apply online to become licensed operators. MOTRI reviews operator competency, documentation, and certification before granting approval. Only approved operators gain access to the system.
Warehouse Registration & Instance Access
Approved operators request warehouse registration through the platform. MOTRI reviews and approves each warehouse individually. Once approved, the warehouse receives its own dedicated operational dashboard.
Step 3: Digital Loan Request & Communication
Borrower-Initiated Loan Requests
Borrowers submit loan requests directly from their dashboard to selected financial service providers. All required documents are uploaded digitally, removing the need for physical submission.
Lender Review & Digital Feedback
Financial service providers review loan requests through their dashboard. They may approve, decline, or request additional information. Borrowers receive clear digital feedback and can update and re-submit without restarting the process.
Step 4: Product Deposit & Operator Review
Secure Product Deposit
After preliminary loan approval, the depositor delivers commodities to an approved warehouse. Warehouse managers record quantity, market price, and insurance coverage, while qualified experts assess product quality and acceptable loss tolerance.
Operator Validation
Operators review submitted documents, warehouse records, and expert assessments. They may approve or reject the request. Approved deposits move forward to digital warehouse receipt issuance and financing disbursement.
Step 5: Receipt Generation & Bank Disbursement
Digital Warehouse Receipt Issuance
Once approved, the system immediately generates a digital warehouse receipt. Receipts may be loan-backed or non-loan, clearly categorized with legal notices and real-time ownership tracking.
Bank Loan Disbursement
Banks verify the digital receipt and complete the loan disbursement. Approved funds are transferred directly to the borrower’s account, and the receipt status is updated to pledged to secure the collateral.
Step 6: Repayment & Product Withdrawal
Loan Closure & Collateral Release
After full repayment, the bank updates the receipt status to released. The warehouse is notified automatically, and the depositor is allowed to withdraw the stored commodity. The receipt and loan are closed digitally.
Company
Support
