Whrrl is a start-up that helps small and marginal farmers, traders, and producer companies raise working capital through warehouse receipt financing. It uses blockchain technology to create an immutable record of the collateral, which reduces the risk of fraud in the lending process and helps farmers secure loans at lower interest rates.

The study is based on extensive secondary research and stakeholder interviews with fintechs and FSPs across six markets – Bangladesh, China, Malaysia, Myanmar, Nepal, and Vietnam.