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市场调查报告书
商品编码
1803104
全球再生农业金融科技市场:未来预测(至 2032 年)—按类型、组成部分、资金筹措机制、技术、应用、最终用户和地区进行分析Regenerative Agri-Fintech Market Forecasts to 2032 - Global Analysis By Type, Component, Funding Mechanism, Technology, Application, End User and By Geography |
根据 Stratistics MRC 的数据,全球再生农业金融科技市场预计在 2025 年达到 1.266 亿美元,到 2032 年将达到 4.203 亿美元,预测期内的复合年增长率为 18.7%。
再生农业金融科技是将再生农业实践与金融技术结合,以支持农民转型为永续系统。它结合数位金融平台、碳信用机制和数据驱动工具,奖励生态农业实践。透过农业金融科技,农民可以获得贷款、保险和客製化投资,以改善土壤健康、生物多样性和碳储存成果。这一混合领域将金融创新与再生原则结合,以重建价值链并提升农业经济的韧性。
AgFunder 报告称,再生农业金融科技新兴企业将在 2025 年筹集创纪录的资金,让农民获得碳信用和气候智慧资金筹措解决方案。
数位化农业工具的采用日益增多
数位农业工具的日益普及是塑造再生农业金融科技市场的关键因素。农民越来越多地利用行动应用程式、物联网平台和基于人工智慧的解决方案来高效管理作物、土壤健康和金融交易。这些工具简化了信贷、保险和碳市场的取得管道,并提高了小农户的盈利。在互联互通和智慧型手机普及率不断提升的推动下,数位化正在弥合数位落差。因此,科技主导的农业与金融科技服务的融合正在加速整个农业社区的金融包容性。
金融科技平台高成本
金融科技平台的高成本限制了再生农业金融科技的普及。许多中小型农户难以支付与数位平台相关的会员费和交易费用。此外,数据连接和数位素养等基础设施投资也加重了他们的财务负担。这些成本往往会阻碍农村农民使用金融科技解决方案。虽然大型农户可以承担这些成本,但小规模农户面临进入障碍。因此,可负担性仍是新兴市场大规模采用金融科技的阻碍因素。
农民碳信用收益
碳信用收益再生农业金融科技市场提供了一个极具吸引力的机会。透过采用覆盖作物、犁地和农林复合经营等可再生实践,农民可以产生可衡量的碳补偿。金融科技平台简化了检验,并将农民与碳市场联繫起来,从而创造了额外的收入来源。这种模式奖励了永续性,同时提高了农场的盈利。在全球对净零目标承诺的推动下,对碳信用的需求正在加速成长。因此,金融科技推动的碳货币化正成为改变农业金融未来格局的机会。
金融科技系统中的网路安全风险
网路安全风险对再生农业金融科技生态系统构成重大威胁。数位平台管理农民的敏感资料、信用记录和支付记录,使其成为网路攻击的理想目标。资料外洩会损害农民的信任,并影响其服务采用。此外,农村基础设施薄弱和认知度低下也增加了遭受诈骗的风险。数位化进程的加速增加了该行业的机会敞口。因此,采用强而有力的网路安全措施来保护金融科技系统对于维护信任和确保市场稳定至关重要。
新冠疫情对再生农业金融科技市场产生了多重影响。最初,供应链中断和农村推广工作减缓了农民对金融科技的采用。然而,这场危机加速了对非接触式数位金融服务的需求,并刺激了对行动信贷和保险工具的投资。永续实践的远端检验方法受到关注,提升了数位信任。此外,对粮食安全的日益担忧也刺激了再生农业的采用。总体而言,新冠疫情发挥了催化剂的作用,迅速推进了全球农业生态系统的数位金融包容性。
信贷和借贷平台预计将成为预测期内最大的细分市场
由于农民对便利资金筹措解决方案的需求不断增长,信贷和借贷平台预计将在预测期内占据最大的市场占有率。小农户往往得不到传统业务的充分服务,因此数位信贷平台至关重要。这些服务简化了贷款核准,整合了风险评估工具,并根据农民的需求提供量身定制的小额信贷。受对行动银行日益增长的依赖推动,已开发经济体和新兴经济体都在加速行动银行的普及。
预计在预测期内,再製造实务检验服务领域的复合年增长率最高。
再生实践检验服务领域预计将在预测期内实现最高成长率,这得益于对永续性相关融资日益增长的关注。这些服务能够透明地追踪改善土壤健康、增加生物多样性和碳储存的成果。透过提供可靠的数据,它们帮助农民获得绿色金融并参与碳市场。在监管要求和投资者对ESG合规性需求的推动下,检验服务正迅速成为再生农业金融科技生态系统的核心组成部分。
在预测期内,亚太地区预计将占据最大的市场占有率,这得益于广泛的农业活动、不断增长的智慧型手机普及率以及政府支持的数位农业倡议。印度、中国和印尼等国家正在培育数位农业平台,以扩大农村农民的资金取得。人们对可再生实践的认识不断提高,进一步推动了相关技术的采用。此外,农业信贷和保险领域不断增长的金融科技投资也巩固了该地区的主导地位。因此,亚太地区正成为最大的再生农业金融科技创新中心。
在预测期内,北美预计将呈现最高的复合年增长率,这得益于强劲的创业投资投资、先进的农业技术基础设施以及发达的碳市场框架。美国和加拿大在整合数位支付、作物分析和碳信用交易的金融科技解决方案方面处于领先地位。企业对永续性的承诺将进一步刺激对可再生资金筹措工具的需求。在监管支援和早期技术应用的支持下,北美预计将成为再生农业金融科技成长最快的地区。
According to Stratistics MRC, the Global Regenerative Agri-Fintech Market is accounted for $126.6 million in 2025 and is expected to reach $420.3 million by 2032 growing at a CAGR of 18.7% during the forecast period. Regenerative Agri-Fintech is the integration of regenerative agriculture practices with financial technologies to support farmers in transitioning toward sustainable systems. It combines digital finance platforms, carbon credit mechanisms, and data-driven tools to incentivize ecological farming methods. Through Agri-Fintech, farmers gain access to tailored loans, insurance, and investment aligned with soil health, biodiversity, and carbon sequestration outcomes. This hybrid sector connects financial innovation with regenerative principles, reshaping value chains and promoting resilience in agricultural economies.
According to AgFunder reports, regenerative agri-fintech startups raised record funding in 2025, enabling farmers to access carbon credits and climate-smart financing solutions.
Rising adoption of digital farming tools
The rising adoption of digital farming tools is a key driver shaping the regenerative agri-fintech market. Farmers are increasingly leveraging mobile apps, IoT platforms, and AI-based solutions to manage crops, soil health, and financial transactions efficiently. These tools simplify access to credit, insurance, and carbon markets, enhancing profitability for smallholders. Fueled by improved connectivity and smartphone penetration, digitalization bridges information gaps. Consequently, the integration of tech-driven agriculture with fintech services is accelerating financial inclusion across farming communities.
High costs of fintech platforms
High costs of fintech platforms remain a restraint for regenerative agri-fintech adoption. Many small and medium-scale farmers face challenges in paying subscription fees or transaction costs associated with digital platforms. Additionally, infrastructure investments such as data connectivity and digital literacy add financial strain. These expenses often discourage rural farmers from using fintech solutions. While large-scale farms can absorb such costs, smaller operators face barriers to entry. Hence, affordability remains a limiting factor for mass adoption in emerging markets.
Carbon credit monetization for farmers
Carbon credit monetization presents a compelling opportunity in the regenerative agri-fintech market. By adopting regenerative practices such as cover cropping, reduced tillage, and agroforestry, farmers can generate measurable carbon offsets. Fintech platforms help streamline verification and connect farmers with carbon markets, enabling additional income streams. This model incentivizes sustainability while improving farm profitability. Spurred by global commitments to net-zero goals, demand for carbon credits is accelerating. Consequently, fintech-facilitated carbon monetization emerges as a transformative opportunity for future agricultural finance.
Cybersecurity risks in fintech systems
Cybersecurity risks present a major threat in the regenerative agri-fintech ecosystem. As digital platforms manage sensitive farmer data, credit histories, and payment records, they become attractive targets for cyberattacks. Data breaches can erode farmer trust and disrupt service adoption. Additionally, weak rural infrastructure and limited awareness heighten vulnerability to fraud. Spurred by rising digitalization, the sector faces growing exposure to risks. Therefore, safeguarding fintech systems with robust cybersecurity measures is critical for maintaining credibility and ensuring market stability.
The COVID-19 pandemic had a mixed impact on the regenerative agri-fintech market. Initially, disruptions in supply chains and rural outreach slowed fintech adoption among farmers. However, the crisis accelerated the need for contactless digital financial services, spurring investment in mobile-based credit and insurance tools. Remote verification methods for sustainable practices gained prominence, boosting digital trust. Moreover, heightened food security concerns encouraged regenerative agriculture adoption. Overall, COVID-19 acted as a catalyst, fast-tracking digital financial inclusion in farming ecosystems globally.
The credit & lending platforms segment is expected to be the largest during the forecast period
The credit & lending platforms segment is expected to account for the largest market share during the forecast period, owing to increasing farmer demand for accessible financing solutions. Traditional banking often underserves smallholders, making digital credit platforms essential. These services streamline loan approvals, integrate risk assessment tools, and offer micro-lending tailored to farmer needs. Spurred by growing reliance on mobile banking, adoption is accelerating in both developed and emerging economies.
The verification services for regenerative practices segment is expected to have the highest CAGR during the forecast period
Over the forecast period, the verification services for regenerative practices segment is predicted to witness the highest growth rate, impelled by the rising emphasis on sustainability-linked finance. These services enable transparent tracking of soil health improvements, biodiversity gains, and carbon sequestration outcomes. By providing reliable data, they help farmers access green financing and participate in carbon markets. Fueled by regulatory requirements and investor demand for ESG compliance, verification services are rapidly becoming central to regenerative agri-fintech ecosystems.
During the forecast period, the Asia Pacific region is expected to hold the largest market share, driven by vast agricultural activity, increasing smartphone penetration, and government-backed digital farming initiatives. Countries like India, China, and Indonesia are fostering digital agriculture platforms to extend financial access to rural farmers. Rising awareness of regenerative practices further enhances adoption. Additionally, growing fintech investments in agri-credit and insurance support regional dominance. Consequently, Asia Pacific stands as the largest hub for regenerative agri-fintech innovation.
Over the forecast period, the North America region is anticipated to exhibit the highest CAGR attributed to strong venture capital investments, advanced agri-tech infrastructure, and progressive carbon market frameworks. The U.S. and Canada are leading with fintech solutions that integrate digital payments, crop analytics, and carbon credit trading. Corporate sustainability commitments further accelerate demand for regenerative financing tools. Supported by regulatory backing and early technology adoption, North America is projected to be the fastest-expanding region in regenerative agri-fintech.
Key players in the market
Some of the key players in Regenerative Agri-Fintech Market include Agreena, Indigo Ag (Indigo Carbon), Regrow, InSoil (formerly HeavyFinance), Farmers Business Network (FBN), Tingo Group, Inc., Produce Pay, StarAgri, Arya.ag, Whrrl, Samunnati, Jai Kisan, Ricult, Fasal, Terralima, Greenly, Wefarm and Bankbarn.
In August 2025, Agreena expanded its carbon farming platform into Southeast Asia, enabling farmers to monetize verified soil carbon credits for sustainable cultivation.
In July 2025, Indigo Ag (Indigo Carbon) partnered with European agri-cooperatives to scale regenerative farming practices, offering carbon credit payments directly to growers.
In June 2025, Regrow launched its AI-driven Measurement, Reporting, and Verification (MRV) tool, enhancing transparency for agricultural carbon markets and ecosystem service claims.
In April 2025, Farmers Business Network (FBN) unveiled a new farmer-to-farmer marketplace, integrating financial services with bulk crop input procurement and credit access.
Note: Tables for North America, Europe, APAC, South America, and Middle East & Africa Regions are also represented in the same manner as above.