Land intelligence.
Deeper insight. Lower risk.
TerraScore provides professional agricultural land and portfolio intelligence for credit, insurance, investment, risk and due-diligence teams. Evidence-first: every figure carries its source, its granularity and its limitations.
Explore first. Subscribe for real data.
The demo is open to anyone and runs entirely on clearly marked synthetic sample data. The client workspace is for subscribed institutions and works with real, authorized data under your organization's account.
Product demo
Walk through the full product — dashboards, portfolios, parcels, reports, risk views and the API concept — using synthetic demonstration data. No account needed. Every demo surface is explicitly labelled: nothing in it is production data.
- Full workspace navigation and workflow
- Sample portfolios and synthetic parcels
- Report and risk-view walkthrough
- API and credential-management concept
Client workspace
A private, organization-scoped workspace for subscribed institutions: your portfolios, your parcels, your reports — built on real authorized data, with API access where your subscription includes it. Client authentication ships with the institutional access programme and is not yet provisioned in this release.
- Secure private workspace per organization — provisioned under subscription
- Real, authorized data under your entitlement
- Portfolio, parcel and reporting workflows
- API credentials, separate from human login
Built for teams that answer to a committee.
TerraScore serves banks, insurers, funds and due-diligence teams that need land intelligence they can defend — with sources, granularity and limitations stated on the page, not buried in an appendix.
Credit & collateral context
- Underwriting context — regional soil, climate and vegetation indicators for the land behind a loan
- Collateral intelligence — parcel identification with explicit verification state
- Portfolio monitoring — screen agricultural exposure across regions and crops
- Committee-ready evidence — a printable due-diligence document with full lineage
Environmental & climate context
- Climate history — 26 complete years of ERA5-derived seasonal indices per region
- Volatility indicators — climate volatility (CVI) by region and crop
- Parcel-level context — regional analytics attached to identified parcels, granularity always labelled
- Portfolio risk view — exposure screening across a book of insured land
Land evidence & comparison
- Land Passport — a structured evidence document per parcel
- Portfolio comparison — side-by-side regional indicators across target assets
- Data provenance — every layer names its dataset, depth and granularity
- Stated limitations — what is not known is printed with the same weight as what is
Four capabilities. One evidence discipline.
The platform is designed around auditable outputs. Capabilities that are not yet shipping are marked as such — here and everywhere else in the product.
ABI Land Quality Index
Five classes, Premium → Degraded. Soil pH, clay content and organic carbon combined with vegetation, precipitation and temperature indicators. SoilGrids 250m v2 is the soil source; Sentinel-2 the vegetation source. Modelled regional values — not parcel soil samples.
ERA5 + Sentinel-2 NDVI
26 complete years of climate history, 2000–2025, plus a partial current year that is never counted as depth. Sentinel-2 NDVI from 2015 — from 2016 for Moldova and Romania. National yield series per crop; regional yield is not yet measured.
Component analytics · Monte Carlo
Climate volatility, soil quality (ABI), vegetation, confidence and Monte Carlo risk are data-backed today; the remaining ACS indexes are designed but not yet populated; a composite score is published only once the model is qualified.
API · Batch · PDF (in development)
REST integration, portfolio batch processing and committee-ready PDF with data lineage are under development, and ship only when backed by qualified data.
The Land Passport.
One parcel, one structured evidence document. Identify land by cadastral reference, map point, drawn polygon or GeoJSON — and receive a passport that separates what is verified from what is user-provided, what is measured from what is modelled, and what is known from what is not.
Where the numbers come from.
Every analytical layer names its source, its depth and its granularity. These are the layers behind the product today — including their limits, stated here rather than in fine print.
Parcel identification is per-country. National cadastral references stay national — there is no pan-European cadastral number. Where no official resolver is integrated, geometry can be supplied manually and is then always labelled USER-PROVIDED · UNVERIFIED. Automated cadastral resolution is country-specific and not yet verified for any country.
ERA5-derived seasonal indices, 2000–2025: 26 complete years. The current year is present but truncated at extraction and is never counted as depth, never plotted as comparable, and is marked PARTIAL wherever it appears.
Sentinel-2 NDVI from 2015 (from 2016 for Moldova and Romania) — an ~11–12-year satellite record, and the product says so rather than implying a 25-year one.
SoilGrids 250m v2 model pin: pH, clay content, organic carbon. Modelled regional values, not parcel soil samples. A zero organic-carbon input renders as "input absent", not as zero carbon.
National yield series per crop. True granularity: country. Inter-region yield variation is not measured; no regional or parcel yield exists in the data plane, and none is invented.
Bounded, and stated: 4 crops — full-stack climate/yield/CVI analytics; ABI layer coverage: 9 crops. Analytics for crops outside these sets are not published — coverage is a bound, not a general claim.
Passports carry per-layer lineage — project, dataset, depth, granularity — plus the build provenance of the software that produced them. Unknown provenance renders as UNKNOWN, never as a plausible default.
Built to sit inside your systems.
For banks, insurers and platforms that want TerraScore inside their own credit, risk or monitoring stack. The API surface is in development and is published as a design preview — explicitly, not as a live endpoint list.
REST integration
Parcel identification, passport generation and portfolio screening over a versioned REST surface, returning the same evidence-first documents the workspace renders.
Credential management
API credentials are issued per organization and are separate from human login. Scoped keys, rotation and revocation — with the secret shown once, at creation, and never again.
Documentation
Authentication model, endpoint groups, error model and rate limits — browsable today in the demo workspace as a labelled design preview of the proposed contract.
Proofs, not promises.
TerraScore is built on the ACS data platform: Go + Python + Rust microservices on GCP europe-west1. That is the cloud region the service runs in — a region fact, not a certified data-residency guarantee across every subsystem and sub-processor. ProvableCORE® receipt sealing and SentientROUTER® classification are platform components; their integration into the TerraScore scoring path is in progress.
ProvableCORE® seal
Merkle-anchored receipt design targeting RFC 9162 and KMS signing. AGEPI Nr. 7671. Not yet emitting receipts on the TerraScore path; integration is in progress.
SentientROUTER® classification
Constitutional classification S/D/H. AGEPI Nr. 7672. Multi-provider consensus architecture — provider integration in progress. AI Act Annex III oriented.
These are the frameworks the platform is designed to map to — a design orientation, not a certification claim.
Simple. Predictable. Auditable.
Per-assessment or subscription. Enterprise contracts include dedicated support, SLA and DPA. Planned plan features — PDF export, API access and ProvableCORE® audit seal — are labelled as planned until they ship.
- 10 land assessments
- Land Passport — evidence-backed land intelligence
- PDF export (planned)
- Community support
- 500 land assessments
- Private client workspace
- REST API access (planned)
- Batch processing (planned)
- Committee-ready PDF (planned)
- Business hours support
- Unlimited assessments
- Organization & multi-user workspace
- Dedicated support & SLA
- DPA + MSA + NDA
- White-label option
- Custom onboarding
Ready to see TerraScore on your portfolio?
Pilot engagements available for banks, funds and development-finance institutions. Full-stack data coverage today for Moldova and Romania. Broader ACS analytical layers span up to 29 European countries and are not TerraScore product coverage. Automated cadastral resolution is country-specific and not yet verified for any country.