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SHAM

Grow. Trade. Finance.

The digital operating system connecting Africa's farmers, markets, trade and finance.

Status: Pilot in preparation

Talk to us about SHAM See what it does
Warehouse receiptStakabadhi ya ghala
WR-2026-01187
CommodityMaize, white
GradeGrade 1
Bags120 × 50 kg
Net weight6,000 kg
Moisture12.8%
StoreMbeya Central
DepositorUyole AMCOS
Producer phone+255 768 ••• 905
Deposited27/10/2026
Contracted buyer · TZS 820/kgTZS 4,920,000
Settles to the producer’s phone on delivery.
Warehouse operatorVerified
ExampleWarehouse receipt for a cooperative deposit
Why SHAM

Six records. Six places. No history.

A producer's planting decision, the input they bought, the weight and grade of what they harvested, the warehouse that stored it, the buyer who took it and the payment that settled are recorded in six separate places, on paper and in WhatsApp, by parties who do not share visibility. Nothing accumulates. A farmer who has produced and sold reliably for a decade arrives at a bank with no record of having done so.

SHAM is an integrated digital platform designed to connect agricultural production with markets, commerce, financial services and business intelligence. It brings the separate stages of the agricultural and trading ecosystem onto one shared record.

Core features

Inside SHAM.

  • Agriculture

    Plots, inputs, planting and harvest captured as structured records rather than notes.

  • Livestock

    Herd registers, vaccination schedules, milk volumes and grade.

  • Fisheries

    Ponds and catch, water quality, feed, growth and cold chain to the processor.

  • Trade

    Digital weighing and grading, warehouse receipts and contracted buyers.

  • Market access

    Verified buyers, transparent price and agreed delivery dates.

  • Digital finance

    Mobile money settlement to the phone the producer already uses.

  • Cooperative infrastructure

    Built for AMCOS and cooperatives as the institutional counterparty.

  • Business intelligence

    Region, yield, volume and reliability analytics for institutions.

  • Payments and data

    One verified record, shared only with those entitled to see it.

How it works

Four steps.

  1. Register

    Through a cooperative or AMCOS

  2. Record

    Any phone, offline capable

  3. Trade

    Verified buyers and transparent price

  4. Finance

    The record becomes the security

Who it is for

Built for these users.

  • Cooperatives and AMCOS
  • Crop farmers
  • Fishers and fish farms
  • Poultry keepers
  • Livestock and dairy
  • Buyers and processors
  • Banks and lenders
  • Insurers
  • Exporters
Status

Prototype built. Pilot in preparation.

Category
Agriculture · Trade · Finance · Digital Infrastructure
A brand of
SHAM Digital Services Limited
Start a conversation

Interested in SHAM?

Tell us how you would use it, and we will come back to you.

info@sham.co.tz
Start a conversation Dar es Salaam, Tanzania