Most African smallholder farmers lack digital records or access to digital savings. This makes it difficult to to get access to credit or efficient markets. Many lack connectivity so they don't own phones - especially women. Community groups such as cooperatives, farmers' associations and savings groups help farmers build financial resilience and aggregate crops, but their records are paper-based, may lack internal credibility with the group, and create barriers to entry for new groups who lack the needed level of literacy and numeracy.

Hiveonline provides various decentralized finance solutions for overcoming the digital divide and allowing African farmers to access digital wallets, identity, and history. These solutions include: 1. myCoop.online is the first Decentralised Finance platform for African farmers, helping them grow better crops, aggregate and increase revenues, with access to credit, markets, farming inputs, and simple accounting. 2. e-Vouchers - blockchain based no-touch vouchers facilitate efficient, secure, low-cost distribution of agricultural inputs, emergency aid and much more. They're fully traceable and self-auditing, slashing administration costs and increasing donor confidence. 3. vsla.online digitises community savings groups such as Village and Savings and Loan Associations (VSLA), SILCs, ROSCAs, Tontines and more.Built with blockchain technology, for better record-keeping, transparency and security.