OwnaFarm: Where Real-World Assets Meet GameFi

A blockchain-native platform that transforms agricultural invoice financing into an engaging farming simulation game. Built on Mantle Network L2, we bridge the critical $170 billion agricultural finance gap while delivering an unprecedented consumer experience for retail investors.

The Problem

1. Farmers Face a Capital Crisis

Smallholder farmers with valid contracts from reputable buyers cannot access working capital in time.

• Banks demand collateral they do not have

• Alternative lenders charge 30-50% interest rates

• Result: Lost opportunities, broken supply chains, and compromised food security

2. Investors Lack Accessible RWA Opportunities

• Traditional invoice financing requires $50,000+ minimums

• DeFi platforms are complex and intimidating

• Existing RWA platforms offer boring "lock and forget" experiences

• Underlying assets remain opaque with limited visibility

Our Solution

We transform invoice financing into a farming simulation game where real financial outcomes are delivered through game mechanics.

The Core Transformation:

• Traditional approach: "Invest in Invoice #12345 at 15% APR for 90 days"

• OwnaFarm approach: "Plant a Chili Seed, water it daily, and harvest 15% profit in 90 days"

Same financial outcome. Completely different experience.

Wow Factor: Triple Innovation Stack

1. RWA Layer

• Real agricultural invoices from verified offtakers including Indofood, Japfa, Charoen Pokphand, and Wilmar

• Tokenized as ERC-1155 NFTs on Mantle

• Each investment represents fractional ownership of actual commercial contracts

• Compliant yield distribution built-in

2. GameFi Layer

Complete farming simulation featuring:

• Seed Marketplace — Browse and purchase investment opportunities

• Isometric Garden View — Visual representation of your portfolio

• Daily Watering Mechanics — Engagement-driven interactions

• XP Progression System — Level up through participation

• Level Tier Unlocks — Access higher-yield opportunities at levels 5, 10, 20, and 50

• Competitive Investor Leaderboards — Compare performance with other investors

Projected Result: 10x higher engagement than traditional investment platforms

3. Transparency Layer

• On-chain transaction records provide immutable audit trails

• Real-time CCTV farm monitoring integration allows investors to watch their actual crops grow

• Complete visibility into invoice lifecycle from submission through harvest

Market Opportunity

1. Massive Underserved Markets

• Global invoice financing market exceeds $3 trillion annually

• Agricultural finance gap represents $170 billion in unmet demand

• Over 500 million smallholder farmers worldwide lack access to working capital

• The $20+ billion GameFi market proves that gamification drives user engagement and retention

2. Indonesia Focus (Initial Target Market)

• 26 million smallholder farmers

• Top 10 globally for crypto adoption

• 73% mobile penetration

• $150 billion agricultural GDP

3. Beachhead Strategy

Contract farmers supplying verified offtakers including Indofood, Japfa, Charoen Pokphand, and Wilmar — verified supply chains with low-risk invoices.

Business Model

OwnaFarm generates revenue through three streams:

1. Origination Fee (2%)

• Collected from farmers on each funded invoice

2. Platform Fee (1%)

• Collected from investors on yield distribution

3. Premium Features (Future)

• VIP access, early seed access, and enhanced visibility options

Unit Economics Example:

On a $10,000 invoice at 15% yield over 90 days:

• Farmer receives: $9,800 after origination fee

• Investor receives: $11,350 in principal plus yield minus platform fee

• Platform earns: $315

At 100 invoices per month, this generates $31,500 in monthly revenue.

Token Utility (GOLD)

• Platform Currency — Used for all investment transactions

• Yield Distribution — Paid in GOLD tokens to investor wallets

• Governance Rights (Future) — Voting rights on platform parameters

• Staking Benefits (Future) — Premium tier benefits

System Flow and Mechanism

1. Farmer Journey

• Step 1: Complete 4-step KYC registration including personal ID verification, business document upload, and farm verification

• Step 2: Submit invoices from verified offtakers specifying funding target, yield percentage, and duration

• Step 3: Platform administrators review and approve invoices based on authenticity and offtaker credibility

• Step 4: Approved invoices are tokenized as ERC-1155 NFTs and listed as "seeds" in the marketplace

• Step 5: When invoice is fully funded, GOLD tokens automatically disburse to farmer wallet

• Step 6: Farmer delivers goods, offtaker pays invoice at maturity

2. Investor Journey

• Step 1: Connect Web3 wallet and claim GOLD from testnet faucet

• Step 2: Browse seed marketplace viewing yield rates, durations, and offtaker information

• Step 3: Purchase seeds to fund underlying invoices and receive NFTs representing fractional ownership

• Step 4: Perform daily watering actions to earn XP and progress through level tiers

• Step 5: Track growing investments in personal isometric garden view

• Step 6: When invoices mature, harvest principal plus yield through simple claim transaction

Level Unlocks:

• Level 5 — Access to medium-yield opportunities

• Level 10 — Access to high-yield opportunities

• Level 20 — Access to premium opportunities

• Level 50 — VIP benefits

Engagement and Retention Mechanics

XP System Rewards:

• First seed purchase: +100 XP

• Daily watering: +10 XP

• Completing a harvest: +50 XP

• Successful referral: +200 XP

Water Points System:

• Regenerate at 20 points per day

• Maximum capacity of 100 points

• Cost 10 points per watering action

Additional Features:

• Leaderboard creates competitive dynamics among investors

• Isometric garden view provides visual satisfaction as investments mature

Competitive Advantages

1. Against Traditional Invoice Financing

• They offer: 30-60 day processing with complex paperwork

• We offer: 24-48 hour blockchain funding

2. Against Existing RWA Platforms

• They offer: Boring dashboards and $50K+ minimums

• We offer: Gamified UX and micro-investments from $10

3. Against GameFi Projects

• They offer: Pure speculation and unsustainable tokenomics

• We offer: Real yield from actual invoices

4. Against DeFi Lending Protocols

• They offer: Crypto-only collateral requirements

• We offer: Real-world asset backing

Links

• Pitch Deck : https://www.canva.com/design/DAG-cxaLAeI/dgDXD1_EuUviUj2qUUMg4Q/view

• Live Application: https://ownafarm-farmer.vercel.app/

• Documentation: https://yeheskieltame.gitbook.io/ownafarm

OwnaFarm: Plant. Water. Harvest. Real Yields.

Built for Mantle Hackathon 2026