Water Risk Score gives ag lenders and parametric underwriters SGMA compliance probability, dollar-denominated penalty exposure, and allocation burn rate for any California groundwater operation — backed by a cryptographically verified sensor network.
Every ag lender with Tulare or Tule exposure is underwriting blind. GSA reports are quarterly at best. Water bills are lagging. There is no tool that converts live extraction data into a dollar-denominated risk figure — until now.
Sources verified May 2026: Cal. Code Regs. tit. 23 §1040 · AB 460 (2024), Water Code §§1845–1846 · SWRCB Res. 2025-0039 (CPI indexing, eff. Jan 1, 2026) · SWRCB Res. 2024-0012 (Tulare Lake) · SWRCB Res. 2024-0030 (Tule)
Every response is backed by PULSE v17.2 live sensor data and an Ed25519-signed DAG attestation chain. A loan officer gets a 20-minute underwrite instead of a 3-week manual review.
SGMA compliance score for a single farm site. Returns compliance probability, grade, penalty exposure in dollars, and allocation burn rate — all cryptographically verified from live sensor data.
Portfolio-level score for multi-entity operators. Farm Credit loan officers running 16 LLCs under one borrower get a single compliance score with a per-entity breakdown sorted by risk.
Bring Your Own Sensors. Any farm with any soil sensor brand submits readings and receives a provisional compliance score. Enables Farm Credit to score their entire borrower portfolio, not just AgWaterAI-monitored farms.
The attestation chain is the moat. Every compliance score traces back to a signed sensor reading. An underwriter, a GSA auditor, or a court can verify the chain independently. That is what makes these scores defensible as a parametric trigger or a loan covenant metric.
Without BYOS, the compliance API only scores farms running AgWaterAI-deployed Sentek sensors. That limits a Farm Credit cooperative to maybe 33 sensor blocks in their portfolio.
With BYOS, any borrower that already has any sensor brand can submit readings and receive a provisional compliance score. Farm Credit licenses the API for their entire portfolio of sensor-equipped borrowers — not just AgWaterAI farms.
Supported sensor brands:
The Sensor Flywheel
AQUAOSO — now branded Agcor under Growers Edge — sells parcel-level water-rights data to ag lenders and is the nearest incumbent. What it does not have, and cannot retrofit without a sensor network, is live measurement, a compliance probability, a dollar-denominated penalty figure, and a cryptographic proof chain.
| Capability | AgWaterAI | AQUAOSO / Agcor (Growers Edge, Dec 2024) |
Hydrosat (€51M raised) |
Manual Review (GSA reports + water bills) |
|---|---|---|---|---|
| Live soil sensor data | ✓ | ✗ | ✗ Satellite only | ✗ |
| SGMA compliance probability score | ✓ | ✗ | ✗ | ✗ |
| Dollar-denominated penalty exposure | ✓ | ✗ | ✗ | ✗ |
| Multi-entity / multi-LLC rollup | ✓ | ✗ | ✗ | ✗ |
| Cryptographic attestation chain | ✓ | ✗ | ✗ | ✗ |
| Lender / underwriter access | ✓ Live API | ✓ Static platform | ✗ | ✗ |
We are running a limited research pilot with Farm Credit cooperatives and parametric MGAs. No SOC 2 required to start. A data science evaluation costs you nothing.