An intelligent underwriting coworker

Perceive, verify, underwrite.

Eight diligence sections. Three product layers. One workflow. The platform that turns a parcel of forest, farmland or restoration site into a memo your committee defends.

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The diligence sections

Every section of an institutional memo.

The eight workstreams your team already writes by hand. Kyroq runs them in parallel, framework-aligned and evidence-pinned. Your underwriter reviews, redlines and signs.

01

Land verdict

Title and tenure chain, cadastre overlap, embargo overlay, land-cover baseline reconstructed to 2017.

02

Counterparty

Sponsor, operator and developer diligence. Beneficial ownership, track record, sanctions and litigation register.

03

Supply chain

Tier-1, Tier-2 and Tier-3 reconstruction. Movement permits reconciled with customs flows and shipping records.

04

Carbon integrity

Additionality, leakage, permanence buffer sized under a 20-year monte-carlo. Buyer-criteria scorecards.

05

Regulatory

EUDR Article 8/9, CSRD ESRS E4, SFDR alignment. Jurisdiction-specific flags and disclosure readiness.

06

Water and biodiversity

IFC PS6 habitat triage, freshwater stress, IUCN species exposure, NBRA dependency-impact mapping.

07

Physical climate

Fire return-period, drought stress, flood, transition trajectory under IPCC AR6 scenarios.

08

Financial

Credit-risk translation under NGFS Phase V. Covenant draft and monitoring schedule.

01 / Perception

See every parcel at audit grade.

Fine-tuned Earth-observation foundation models read parcel-level land cover at 10-metre resolution, validated by a network of 240 reference farms across tropical biomes.

Biome-tuned models

Proprietary fine-tunes for the Cerrado, Amazon, miombo and Atlantic forest, calibrated against ground-truth from the reference network. Cerrado classification F1: 0.94.

Continuous monitoring

Weekly satellite read across the held book. Alerted change-detection at the polygon. Re-mark at no marginal cost.

Replayable observations

Every tile, every alert and every model version timestamped under an eIDAS-qualified authority. Replayable bit-identical, ten years on.

02 / Substrate

Reconcile the data regulators expect.

Direct integration to Brazil's federal environmental registries, combined with a chain-of-custody graph linking animal-movement permits, customs flows and shipping records.

Five federal registries

CAR, SICAR, INCRA, IBAMA, and state-level prosecutorial registries. Off-the-shelf vendors typically integrate two. We do the full five.

Indirect-supplier reconstruction

The chain-of-custody graph closes the Tier-2 gap that off-the-shelf vendors leave open. Surfaced explicitly in every cattle and soy memo.

Methodology-pinned

Compliance with Verra VM0047, VM0048, VM0042, ART TREES 2.0 and the ICVCM Core Carbon Principles. Version-pinned, citable, dated.

03 / Agent

Draft the memo. Defend the working.

An agentic workflow assembles the eight diligence sections in parallel, runs them against five frameworks at once, and surfaces a verdict your underwriter can sign without rework.

Framework-aligned output

TNFD LEAP-FI, NGFS, UNEP FI NBRA, IFC PS6 and the relevant carbon methodology. Mapped in parallel, cited at delivery.

Evidence-pinned claims

Every line resolves to a satellite tile, a registry record or a methodology paragraph. Cryptographic anchor on each pin.

Confidence tiers

A/B/C data-quality rating and percentage score on every section. Sections below 60% route to senior review automatically.

How teams use Kyroq

Five workflows. One platform.

The diligence work your team already does, rebuilt on a single agent. Framework-aligned output. Evidence-pinned claims. Committee-ready in days, not months.

01 · Farmland acquisition

Pre-committee pack on a parcel, in seven days.

Land verdict, counterparty, soil-organic-carbon, transition-cost model, TNFD-aligned narrative.

02 · Carbon offtake

Pre-offtake verdict with permanence stress-test.

Additionality, leakage, ICVCM CCP scoring and a 20-year monte-carlo. Aligned to the Microsoft + Carbon Direct floor.

03 · DFI scoping

IFC PS6 triage in a single sitting.

Critical-habitat, natural-habitat and modified-habitat triage. Mitigation hierarchy and covenant draft.

04 · Parametric pricing

Peril-specific priors at submission.

Fire return-period, drought stress, encroachment pressure, counterparty risk. Cited to the slip the broker hands you.

05 · Lending covenants

Covenants that fire off satellite reads.

Per-borrower verdicts, EUDR Article 8/9 eligibility, and a parametric trigger your structuring team can attach.

Customise Kyroq around your underwriting workflow.

Every team underwrites differently — different data sources, different frameworks, different committee bars, different memo templates. We work with a small number of partners on the shape of each engagement before scope and timeline are set. The first conversation is a scoping call.