Introduction

The Stockist Pathway is a practical implementation of the Agriculture Smart Data Scheme (ASDS), designed to enable secure, data-driven open finance for agripreneurs, specifically financing the purchase of logistic services (eg transportation and warehousing) of agriculture stocks (eg, seeds, fertilisers, crops). Operated with Dataswyft Wallet and governed by the ASDS, it uses portable, verifiable credentials to record and score logistic activities of every party on the pathway.

Kuza issues Agripreneur (AP) and Stockist Pathway Badges (SPG), while Kuza service providers (SP) validate key logistic events (eg checking into warehouse) that impact their respective SPG scores. Kuza Finance Providers (FPs) assess these credentials to offer finance, disbursed through the Dataswyft Wallet with spend controls. As repayments are made and pathways events are recorded, scores for all APs, SPs and FPs are updated. The ASDS ensures governance, trust, and eligibility through a transparent framework of credentials, scoring, and revocation.

The Stockist Pathway Process Flow Diagram

The following diagram provides an overview of the process flow for the Stockist Pathway on the Dataswyft Wallet.

In this diagram “Kuza” is the Issuer; Each Issuer of the scheme will have its own independent pathway.

Stockist Pathway.pdf

The Stockist Pathway: Step-by-Step Process Flow

1. Onboarding Agripreneur (AP) to the Dataswyft Wallet

   • AP signs up to the CheckD Application that has an embedded Dataswyft Wallet
   • AP views the Kuza AP badge template (issued by Kuza) with AP badge rules requiring:
     • Liveness proof
     • Data profile from Kuza that verifies AP status
   • AP authenticates the AP badge by:
     • Being redirected to Kuza platform to authenticate their Kuza credentials via the Kuza data connector
     • Upon successful authentication, receive their Kuza data profile into the Dataswyft Wallet which include Kuza vLEI-signed AP ID, AP score and related data.
     • Dataswyft Wallet performs a liveness check to verify that the SP/FP delegated authority is a real, live person and bind faceprint with Kuza AP identity privately within the wallet.
     • AP Badge is authenticated when all rules set by the issuer have been fulfilled.
   • AP authenticates the Stockist Pathway Badge (SPG) badge and score by fulfilling the rules of the SPG badge requiring:
     • A valid Kuza AP badge
     • An SPG score available from Kuza Data Profile

2. Onboarding a Service Provider (SP) or Finance Provider (FP) to the Dataswyft Wallet

   1. SP/FP individual with authority signs up to the Dataswyft Wallet in the CheckD Application
   2. The SP or FP views the respective Kuza SP or Kuza FP badge template (issued by Kuza) with the corresponding SP or FP badge rules requiring:
      • Liveness proof
      • Data profile from Kuza that verifies their corresponding SP or FP status
   • The SP or FP authenticates their SP or FP badge by:
     • Being redirected to Kuza platform to authenticate their Kuza credentials via the Kuza data connector
     • Upon successful authentication, receive their Kuza data profile into the Dataswyft Wallet which include Kuza vLEI-signed SP or FP ID, SP or FP score and related data.
     • Dataswyft Wallet performs a liveness check to verify that the SP or FP delegated authority is a real, live person and bind faceprint with Kuza SP or Kuza FP identities privately within the wallet.
     • The SP or FP Badge is authenticated when all rules set by the issuer has been fulfilled.
   • The SP or FP authenticates the Stockist Pathway Badge (SPG) badge and score by fulfilling the rules of the SPG badge requiring:
     • A valid Kuza SP or FP badge
     • An SPG score available from Kuza Data Profile

3. Stockist Operations

   • The AP carries out stocking and transportation of seeds/crops.
   • Service Providers scans AP badges for key events related to warehousing and logistics.
   • Validations and event data are securely recorded, updating the AP and SP SPG score.
   • The SPG score is recalculated in real time, reflecting event quality, timeliness, and dispute status.

4. Finance Underwriting and Lending

   • FPs make offers against the AP badge within the Dataswyft Wallet. AP accept offers and present the AP badge and data, current SPG score and event evidence summary.
   • Based on verified credentials and scoring, FPs issue loans tied to the SPG and AP scores.
   • Loan credentials and funds are disbursed to the AP’s Dataswyft Wallet, with controls to restrict spending as per loan terms.

5. Repayment and Attestations

   • The AP makes repayments, which are logged by the lender.
   • Upon successful repayment, lenders issue loan completion attestations.
   • These attestations contribute to the lender’s finance provider score.
   • Service Providers’ scores are updated as their validations are consumed and verified without dispute.

6. Ongoing Monitoring and Governance

   • The AP/SP/FP scores and SPG scores of AP/SP/FP refreshes dynamically with new events, disputes, or revocations.
   • Any suspensions or revocations impact AP/SP/FP eligibility to participate in the network.
   • Governance policies enforced by the HAT Community Foundation ensure compliance, data integrity, and trustworthiness across all participants.

   Process Summary

   The Stockist Pathway is a comprehensive, multi-stakeholder ecosystem that leverages verifiable credentials, data portability, and transparent scoring to facilitate trust and finance in agricultural stockist operations.The process begins with Kuza, who acts as the issuer and data provider, onboarding Agripreneurs (AP), Service Providers (SP) and Finance Providers (FP) by conducting a liveness check and issuing them Kuza AP/SP/FP badges signed with a Verifiable Legal Entity Identifier (vLEI). This step also initializes the Stockist Pathway Badge (SPG), for all 3 parties, which serves as a verifiable record of all 3 performances in the stocking and transport interactions, complete with a dynamically updated pathway scores.

   Once onboarded, APs and SPs engage in the interactions of stocking and transport of seeds and crops. Throughout these operations, Service Providers validate key events such as warehouse receipts and logistics milestones, scanning AP badges that ensure the integrity and accuracy of these activities. These validations feed into the SPG score, updating both the underlying evidence and the AP/SP Pathway score.

   FPs, identified by their own FP badges and delegated authority from VLEIs, request presentations of the Agripreneur’s credentials, including the AP badge, current SPG, and summarized event evidence—to assess creditworthiness. Based on this, lenders offer finance (eg “buy-now-pay-later” products) secured against the SPG. The loan offer credential is bound to the SPG and disbursed to the Agripreneur’s Dataswyft Wallet with spending controls to manage warehousing expenses.

   As repayments are made, lenders log repayment events and issue loan completion attestations that contribute positively to their finance provider scores, reflecting reliable lending behavior. Simultaneously, Service Provider scores increase with accurate, dispute-free validations consumed during the process. The Smart Data Scheme ensures credible and continuously updates of SPG scores with new operational events, dispute resolutions, or revocations to maintain an up-to-date reflection of performance.

   Governance mechanisms ensure that any suspensions or revocations of credentials propagate through the system, affecting lender eligibility and acceptance of service validations. This end-to-end flow, from onboarding through operations, financing, repayment, and ongoing monitoring, enables a trusted, transparent, and efficient pathway for agripreneurs to access finance while providing lenders and service providers with reliable data and scoring for risk and performance management.