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Parametric climate insurance that helps smallholder farmers in Sub-Saharan Africa get crop cover and automated payouts for drought and flood risk via mobile access.
OKO Finance Product Overview
Is OKO Finance Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- Smallholder farmers
- Drought risk farms
What It Does Well
- Parametric crop cover
- Drought and flood cover
Things to Check
- Covered crops list
- Payout trigger rules
About OKO Finance
OKO Finance is a parametric climate insurance platform that provides crop-specific cover for smallholder farmers in Sub-Saharan Africa, and gives partners tools to distribute and manage agricultural insurance at scale.
Key capabilities include:
- Crop-specific parametric policies designed with weather and satellite indicators (for example rainfall and index-based drought or flood cover), tailored to crops and geographic regions.
- Digital distribution for frontier markets, including partner tools such as mobile apps, web apps, APIs, and mobile payment integrations to reach farmers and collect premiums.
- Policy and claims management that keeps insured farmers updated and supports automated claim validation and payment.
Available via Web, plus partner distribution tools that include mobile apps (OKO Agent on Android), APIs, and farmer access from any mobile device (including feature phones via short codes and mobile money, where supported).
Target users include smallholder farmers as end beneficiaries, with primary partner customers such as financial institutions, NGOs, agro-industries, insurers, and reinsurers.
Notable in the African context, it is active in markets including Mali, Uganda, and Côte d’Ivoire, and publishes impact metrics on its website (for example farmers insured and claims paid). It also highlights collaboration work such as a UN Women partnership in Mali focused on improving insurance access for women farmers.
OKO Finance Facts
Liners compiles product facts from official websites, app stores, documentation, trusted public sources, and details shared by product teams during editorial review. We also consider crowdsourced updates when they include verifiable evidence, and refresh facts as information changes. Learn moreOperates In
Pricing & Fees
Contact for pricingPricing is quote-based; contact OKO Finance directly for pricing details.
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OKO Finance Funding History
Liners compiles funding history from company announcements, investor records, and trusted reporting. We refresh it as new rounds are confirmed. Learn moreOKO Finance has raised $2.4M across 10 recorded funding events. The latest was Venture (Round not Specified) in Sep 2025.
- Total Raised:
- $2.4M
- Latest Round:
- Venture (Round not Specified)
OKO Finance Investors & Funding Rounds
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OKO Finance Founders & Leadership Team
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Frequently Asked Questions About OKO Finance
OKO Finance is a parametric climate insurance platform that provides crop-specific cover to smallholder farmers against weather risks like drought and floods. Farmers enroll via mobile (including simple feature phones), pay premiums through mobile money, and Oko uses satellite and weather data to automatically detect qualifying weather events and trigger compensation payouts without the need for manual claims.
OKO Finance is active in Sub-Saharan Africa, with explicitly listed operations in Mali, Uganda, and Côte d’Ivoire. It also has a broader focus on smallholder farmers across the region through partner-driven distribution.
To sign up, you typically connect via your mobile phone using the local short code provided in your country, then follow the prompts to get a quote and pay your premium through mobile money. If you are an institution or partner (for example a financial institution, NGO, agro-industry, insurer, or reinsurer), you can reach out via the website or email to discuss onboarding and integration.
Yes, OKO Agent is available on Android (Google Play Store).
OKO Finance is best suited for smallholder farmers in Sub-Saharan Africa who need affordable, weather-indexed crop insurance, and for organizations that work with them, such as financial institutions, NGOs, agro-industries, insurers, and reinsurers that want to distribute or embed agricultural insurance. It is particularly relevant where farmers rely heavily on rain-fed agriculture and have access to mobile phones and mobile money.
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