Brazilian Farm Secures Loan With Tokenized Cows

Brazilian dairy farmers have struggled to turn livestock into fairly valued collateral because lenders often lack reliable, real-time proof of an animal’s health, location and survival. Cowmed’s AI-enabled sensor collars collect health, behavioral and location data to create a unique blockchain-linked identity for each cow. The model converts monitored livestock into traceable real-world assets, potentially reducing inspections, fraud and steep collateral discounts while widening access to formal rural credit.

In a deal reported on July 23, 2026, Fazenda Engenho Velho in Imbituva, Paraná, pledged 10 tokenized cows valued at R$120,000 to secure a R$100,000 CPR-F rural credit certificate from BMP Sociedade de Crédito Direto. BMP transferred the receivable to Target FIDC, which registered the transaction on B3, Brazil’s main exchange. The operation is the first tokenized livestock collateral formally accepted on B3. Cowmed monitors 100,000 cows across 1,200 farms and expects up to R$400 million of that herd to be pledged within two years.