Smart collars provide real-time health monitoring of herds, enabling local agricultural businesses to secure substantial funding backed by their livestock.
By Olivier Acuna|Edited by Oliver Knight Jul 24, 2026, 1:03 p.m. 2 min readMake preferred on ShareShare this articleCopy linkX (Twitter)LinkedInFacebookEmailMake preferred on The Brazilian agtech company Cowmed has tokenized 10 dairy cows, demonstrating how putting real-world assets on-chain can enhance liquidity for businesses struggling to secure loans from banks. (Annie Spratt/Unsplash)SummaryShow- In Paraná, Brazil, farmers have tokenized 10 dairy cows on the B3 stock exchange, raising close to $20,000 in loans secured by their livestock amid stricter bank lending practices.
- The initiative, spearheaded by Cowmed, employs AI-driven tracking collars to establish encrypted digital identities for each cow, mitigating double-pledging and allowing them to function as movable collateral.
- Cowmed, which currently monitors approximately 100,000 cows valued at over $395 million, anticipates that around 20% of its network will adopt this tokenized financing approach, potentially unlocking $77.6 million in new agricultural credit as part of a broader strategy for real-world asset tokenization.
Farmers in Paraná, Brazil, facing challenges in securing cash loans from banks, have pioneered the tokenization of livestock by offering tokens for 10 dairy cows on the B3 national stock exchange. This innovative move has generated nearly $20,000 in credit backed by their cattle, showcasing the potential of tokenizing real-world assets as a viable financing solution.
This initiative marks a global first in dairy cow tokenization and serves as a practical trial for farmers dealing with increasing restrictions on lending from local banks directed at small agricultural enterprises.
"We transform the cow, a tangible asset, into a digital asset supported by a unique code that is monitored in real time," stated Thiago Martins from Cowmed, a Brazilian agtech firm, in a recent interview with CNNBrasil.
Martins and his organization did not respond promptly to CoinDesk's request for further comments.
“This digitization facilitates formal registration with B3 as a movable asset,” Martins elaborated. “The process is straightforward and provides producers with a beneficial opportunity to finance themselves, creating a new alternative for collateral amid significant credit restrictions affecting agribusiness."
To convert cattle into reliable financial guarantees without the need for onsite inspections, Cowmed utilizes an AI-powered Smarty Collar on the cows. These collars continuously monitor health, behavior, and location, which is then transformed into an encrypted digital identity directly linked to the B3 credit agreement.
This ongoing monitoring helps prevent farmers from using the same cattle as collateral for multiple loans. It also includes provisions that allow farmers to replace a deceased cow with a living one.
Cowmed currently tracks about 100,000 dairy cows across over 1,000 farms, collectively valued at over $395 million. The company predicts that around 20% of its network will implement this tokenized financing model, potentially unlocking $77.6 million in new credit for agriculture.
According to McKinsey & Company, the market for tokenized assets is expected to reach approximately $4 trillion by 2030, while Standard Chartered has projected it could grow to $30 trillion by 2034. However, as of March 2026, the total value of tokenized assets was reported at $25 billion.
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By CoinDesk ResearchJul 22, 2026Markets repositioned since June, but Binance held share (~55% user funds, ~24% spot) and drew net inflows in early July while the tracked market saw outflows.
Why it matters:
Markets repositioned since June, but Binance held share (~55% user funds, ~24% spot) and drew net inflows in early July while the tracked market saw outflows.
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