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April 15, 2026Strategic Consulting

Tokenizing Agribusiness: Escaping Traditional Bank Interest Rates

Agribusiness financing has historically been centralized. Despite trillions in annual exports, producers and cooperatives still rely on traditional financial intermediaries to fund crop cycles, which drastically raises the Weighted Average Cost of Capital (WACC).

Tokenizing agricultural notes (like the Brazilian CPR) and other real-world assets (RWA) emerges as the ultimate disintermediation lever. By representing future harvests as blockchain tokens, we create a fractionalized, auditable digital security ready for the capital markets.

For a C-Level executive at a trading company or cooperative, this means accessing global credit lines (stablecoins, Web3 funds) bypassing local banking bottlenecks. The producer issues the debt, investors provide liquidity, and smart contracts manage settlement at harvest.

The success of this operation relies not on choosing the blockchain, but on the rigorous structuring of off-chain collateral. Our intelligence focuses on ensuring the tokenomics perfectly reflect the physical backing (soy, corn, livestock) and is legally fortified to mitigate default risk.

Ricardo ZagoRZ

Ricardo Zago

Consultant and Co-founder of Avalon Blockchain Consulting · Blockchain Professor at FIAP · Startup Mentor

Ricardo Zago works on structuring blockchain businesses, real asset tokenization, and stablecoins for the corporate market. He develops projects at the intersection of traditional markets and decentralized infrastructure, focusing on regulatory feasibility and generating results for Brazilian companies.

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