Keep your farm’s records by chat. Turn them into credit.
Talk to Irugbin the way you talk to anybody — by voice note or message, in the words you already use. It writes the book, does the arithmetic, and gives you a farm record a lender will accept.
- MAIZE · CASSAVA · RICE · TOMATO
- ANY PHONE THAT HAS WHATSAPP
- YOUR RECORDS STAY YOURS
- 0:04transcript: “bought 2 bags fertilizer 40k”
- “bought 1 bag urea 21k”
- 0:03transcript: “harvested 14 bags maize”
- “sold 5 bags maize 90k”
- 12 MARFertilizer · 2 bagDR ₦40,000
- 10 JUNUrea · 1 bagDR ₦21,000
- 25 AUGMaize harvested · 14 bag—
- 03 SEPMaize sold · 5 bagCR ₦90,000
The book nobody
ever keeps
A smallholder can farm the same hectare for twenty years and still have nothing a bank can read. The season lives in her head, in a pile of receipts, and in voice notes she never plays back. So the loan officer says no, the insurer says no, and the buyer names the price.
- “Show us three years of records.”
- “We need proof of yield before we insure.”
- “No book, no price. Take ₦12,000 a bag or take it home.”
The gap is not effort and it is not honesty. It is that nothing in her day captures what she did — and everything that could asks her to open an app, pick a category, and type.
Say it once.
It’s written
No app to open, no category to choose, no keyboard if you would rather not use one. Send a voice note the way you would tell your brother what you spent, and the book takes care of itself. Try it below — this is the real parser, running here in your browser.
WHAT THE PARSER SEES
bought 2 bags fertilizer 40k
- intent
- quantity
- unit
- item
- amount
- intent
- EXPENSE
- item
- Fertilizer
- quantity
- 2 bag
- amount
- ₦40,000
WRITTEN TO YOUR BOOK AS
Row written. No category picked, no form filled, no app opened.
It asks, it never assumes. If a figure is missing the bot comes back with one question, not a form. A ledger that invents numbers is worse than no ledger at all.
English and Nigerian Pidgin first. Hausa and Yoruba voice next, because the people who most need this are the least likely to type.
Nothing to install. It lives in WhatsApp, where the phone already is, on the data bundle you already buy.
- 12 MARFertilizer 2 bag₦40,000
- 15 MARSeed 10 kg₦12,500
- 02 APRLand preparation 0.8 ha₦18,000
- 28 APRHerbicide 2 L₦9,600
- 19 MAYLabour 4 day₦16,000
- 10 JUNUrea 1 bag₦21,000
The arithmetic is not a guess
A language model reads the sentence. It never touches the sum. Every figure below comes out of a plain costing engine — the same inputs give the same answer, today and in three years, in front of a loan officer.
- Cost of one kilo₦83.64₦117,100 ÷ 1,400 kg
Everything you spent, spread over everything you grew.
- Cost of one hectare₦146,375₦117,100 ÷ 0.8 ha
The number to compare against the farmer next to you.
- Break-even, per bag₦8,364₦117,100 ÷ 14 bags
Sell below this and the season cost you money.
COSTING ENGINE · PURE FUNCTIONS · NO MODEL IN THE LOOP · EVERY FIGURE ON THIS PAGE IS COMPUTED FROM THE NINE MESSAGES ABOVE
One season,
nine sentences
This is the whole book for Amina’s 0.8 hectares of maize — every line of it written by talking. Nothing was typed into a form. Nothing was rounded to make it look better.
| DATE | ENTRY | QTY | DR | CR | BALANCE |
|---|---|---|---|---|---|
| 12 MAR | Fertilizer“bought 2 bags fertilizer 40k” | 2 bag | ₦40,000 | − ₦40,000 | |
| 15 MAR | Seed“bought 10kg maize seed for 12,500” | 10 kg | ₦12,500 | − ₦52,500 | |
| 02 APR | Land preparation“paid tractor ploughing 18k” | 0.8 ha | ₦18,000 | − ₦70,500 | |
| 28 APR | Herbicide“bought 2 litres herbicide 9600” | 2 L | ₦9,600 | − ₦80,100 | |
| 19 MAY | Labour“weeding labour 4 days 16k” | 4 day | ₦16,000 | − ₦96,100 | |
| 10 JUN | Urea“bought 1 bag urea 21k” | 1 bag | ₦21,000 | − ₦117,100 | |
| 25 AUG | Maize harvested“harvested 14 bags maize” | 14 bag | − ₦117,100 | ||
| 03 SEP | Maize sold“sold 5 bags maize 90k” | 5 bag | ₦90,000 | − ₦27,100 | |
| 21 SEP | Maize sold“sold 9 bags maize 171k” | 9 bag | ₦171,000 | ₦143,900 | |
| SEASON TOTAL · 14 bags · 1,750 kg/ha | ₦117,100 | ₦261,000 | ₦143,900 | ||
PROFIT, ONE SEASON
₦143,900
₦261,000 sold − ₦117,100 spent
123% return on what she put in
WHAT IRUGBIN SAID BACK
Your fertilizer cost is high for this yield.
Fertilizer was 52% of your spend but you got 1,750 kg per hectare — about 30% under the average for maize around you. Same bags, wrong timing, is the usual cause. Split the urea next season: half at planting, half three weeks after.
Every ₦100 you put in came back as ₦223.
You spent ₦117,100 and sold ₦261,000. That is a real margin, written down, for one season. Two more like it and it is a lending history.
Below ₦8,364 a bag, you lose money.
That is your break-even: ₦117,100 of cost across 14 bags. Keep it in your head at the market. Anyone offering less is buying your season for nothing.
The buyer knows
the price. Now
so do you
Prices at the depot move every week, and the person quoting you has been watching them all season. Irugbin watches too, and says something before you load the lorry.
Hover the line to read any week.
READ AS A TABLE
| Week | Price per bag |
|---|---|
| W28 | ₦16,800 |
| W29 | ₦16,400 |
| W30 | ₦16,900 |
| W31 | ₦17,300 |
| W32 | ₦17,100 |
| W33 | ₦17,600 |
| W34 | ₦18,000 |
| W35 | ₦18,400 |
| W36 | ₦18,000 |
| W37 | ₦18,700 |
| W38 | ₦19,000 |
| W39 | ₦19,000 |
IRUGBIN · SUN 07:12
Maize is up ₦700 a bag at Dawanau this week and still climbing. You have 9 bags left. If you can wait two weeks, wait.
Your break-even is ₦8,364 a bag. Anything under that is a loss, no matter who is asking.
SHE WAITED
+₦9,000
Nine bags at ₦19,000 instead of ₦18,000. Not a fortune — two days of weeding labour, for reading one message. Do it every season and it is a bag of urea, every season.
Something you
can hand over
At the end of the season the book becomes a document: two pages, plain language, every figure traceable back to the day it was said. Print it, send it on WhatsApp, or carry it to the co-op.
A co-op loan officer
Sees cost, yield and margin in the format they already ask for.
An insurer
Gets dated activity — planting, inputs, harvest — not a claim written after the fact.
An aggregator
Can price against a real break-even instead of guessing what you will accept.
You
Know what last season actually cost before you agree to anything this one.
TURN THE PAGE OVER — THE SECOND SHEET IS THE FULL LEDGER, EVERY LINE, IN THE ORDER IT HAPPENED.
Open the record at full sizeREAD EVERY FIGURE · PRINT IT · SAVE IT AS A PDF
Three seasons and you stop being a risk
A lender is not refusing you out of malice. They cannot price what they cannot see. Every message you send builds the only thing that changes that answer — a history, dated, in the farmer’s own hand.
WHAT A LENDER SEES INSTEAD OF A BLANK FORM
₦450,000
An input facility priced off three seasons of real margin, not off a guess about her village. That referral is how Irugbin makes money — from the lender, never from the farmer.
ON THE ROADMAP · V1 SHIPS THE BOOK AND THE RECORD FIRST, BECAUSE NONE OF THIS WORKS IF THE RECORDS ARE NOT REAL
SHIPPING IN V1
- Log by voice note or message, in your own words
- Correct cost-of-production and profit for the season
- Price nudges from the market nearest to you
- A two-page farm record, yours to keep and to share
NOT YET · BEING BUILT
- Structured records handed to lenders who already want this
- Insurance pricing off dated activity instead of guesswork
- A referral fee we take from them, never from the farmer
What people ask
before they start
The same eight questions, in the order they usually come. Short answers, no asterisks.
01Do I need to download an app?
No. Irugbin works inside WhatsApp on the phone you already carry. Save the number, send one message, and the book is open. There is no sign-up form, no password and no data plan beyond what a message already costs.
02Can I use it if I cannot write well?
Yes. Send a voice note in the words you already use and Irugbin writes the entry for you, then reads its reading back for you to confirm. Nothing is entered until you agree it is right.
03What does it cost?
Keeping your book costs you nothing. Irugbin earns from lenders and insurers who pay for structured farm records, and only when you have said they may have yours.
04Will a bank actually accept the record?
The record is built in the shape lenders already ask for: cost of production, yield, margin, and every line dated to the day it was logged rather than reconstructed at season end. Acceptance is still the lender's decision — Irugbin is not a lender and does not promise anyone a loan.
05Who can see my records?
Nobody outside Irugbin, unless you send them. Sharing is asked for each time, per recipient and per season, and can be withdrawn for anything not already sent. Records are never sold to advertisers or data brokers.
06Are the numbers worked out by AI?
No. A language model only reads what you said. Every figure — totals, yield per hectare, break-even price, margin — is computed by a fixed costing engine, so the same entries always produce the same arithmetic, and every sum can be checked by eye.
07What if Irugbin reads an entry wrong?
Correct it in the chat and the record corrects itself. Corrections are recorded as corrections with the original line kept, because a record that can be silently rewritten is worth nothing to a lender.
08Which crops does it handle?
Maize, cassava, rice and tomato at launch, in bags, kilogrammes, litres, hectares and days — the units farmers already speak in. Other crops can be logged, with per-hectare benchmarks added as the price data catches up.
ANYTHING ELSE — ASK IT IN THE CHAT. A PERSON READS THE ONES THE BOT CANNOT ANSWER.
Open a book this season
It costs nothing to keep. If it ever earns, it earns from the lender who wants your records — and only if you say they can have them.
Start on WhatsApp+234 800 000 0000 · answers in about a minute
Opening a book means you accept the terms of use. What we hold and who ever sees it is set out in the privacy notice.
- 01
Save the number
One contact on the phone that already lives in your pocket. Nothing to download, nothing to sign up for.
- 02
Say the first thing you spent
“bought 2 bags fertilizer 40k”. That is the whole onboarding. The book opens on the first line.
- 03
Keep talking through the season
Inputs, labour, harvest, sales. At the end you get the record — and the record is what the next season is financed on.
