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Frequently Asked Questions (FAQ)

Last updated: June 2025

1. What is Yemert Secure?

Yemert Secure is a crop microinsurance product that protects farmers from losses caused by common farming risks like drought, heavy rain/flooding, pests, crop diseases, and (in higher plans) violent conflict. It helps farmers recover quickly and stay in business when disasters strike.

Farming is risky. A single flood or pest invasion can wipe out your entire harvest. Yemert Secure helps you recover by giving you financial support when things go wrong, so your family doesn’t suffer and you can farm again the next season.

Yemert Secure currently covers:

  • Drought
  • Flood
  • Pests
  • Crop Diseases

     ➡️ Some premium plans also cover community violence or disruption due to insecurity.

All common staple and cash crops are covered under Yemert Secure. These include:

  • Maize
  • Cassava
  • Yam
  • Vegetables
  • Cocoa
  • Rice

Sorghum
 …and more. If you grow it, we will likely cover it

 Simple!
 📱 Dial *347*168# on your phone.
 ➡️ Select your language
 ➡️ Enter your details
 ➡️ Choose “Yemert Secure”
 ➡️ Pick your plan and make payment via mobile money

You’ll get a confirmation SMS and your insurance will be active right away.

 We have different payment options that cover different farm sizes, to fit your pocket, starting from:

  • ₦15,000/month or $15/month
  • ₦42,000/quarterly
  • ₦80,000/biannually
  • ₦150,000/yearly

You get full protection throughout the period you pay for.

 Depending on your payment plan:

  • Monthly plans cover you for 30 days.
  • Quarterly plans cover you for up to 90 days (3 months)
  • Annual plans protect you for 12 months. Your coverage starts from the day we confirm your payment.

 If your crops are damaged, follow these steps:
📱 Dial *347*168# on your phone.
 ➡️ Select “Make a Claim” under Yemert Secure
 ➡️ Choose the type of loss (e.g. flood, pests)
 ➡️ Upload proof (like photos via SMS, WhatsApp or visit from a local agent)
 ➡️ Our team will review and reach out within 72 hours.

 Once your claim is approved, you’ll receive your payout via mobile money within 2-3 working days. If you have questions, our agents are available to assist.

Yes. If your payment is delayed past the due date, your insurance will pause until your next payment is received. Always try to pay on time to stay protected.

No! All services are available via basic phones using USSD. Just dial *347*168#. No smartphone or data needed.

 Just dial *347*168# from your new number and update your profile. You can also visit your local Yemert agent for help

Yemert currently partners with registered insurers to deliver affordable insurance to farmers. We are also working toward getting our own microinsurance license from Nigeria’s NAICOM to serve you directly.

We do not offer refunds after activation. However, you can decide not to renew once your plan expires

 Yes. We take data privacy seriously and do not share your personal or farm information without your permission.

1. What is Yemert Market?

Yemert Market is an online store where insured farmers can sell their farm produce directly to buyers, including food companies, schools, bulk buyers, and consumers. It’s also where buyers can find clean, traceable crops from trusted local farmers.

 Yemert Market is only open to farmers who have an active Yemert Secure insurance plan. This helps:
 ✔️ Confirm your identity
 ✔️ Protect your farming investment
 ✔️ Guarantee buyers that your produce is traceable and reliable
 📱 To get started, dial *936# and register for Yemert Secure first.

 You can sell any common or local crops you grow, maize, rice, cassava, yam, vegetables, cocoa, plantain, etc. We also support fresh produce and dry goods.

  1. Dial *347*168# and choose Yemert Market
  2. Select “Sell Produce”
  3. Enter the crop type, quantity (in kg or tonnes), and location
  4. Your listing goes live!
  5. Buyers can now contact you directly or through our agents

Buyers can browse the online e-store, see your listing, and send a message. You’ll get an SMS notification. You can also be matched through our agents who connect verified farmers to buyers

 Listing is free, but Yemert takes a small service fee (7%) when a successful sale happens. This fee supports payment processing, delivery logistics, and farmer verification.

 You get paid via mobile money or direct bank transfer after the buyer confirms the quality and quantity of your produce. Our agents may also help you if you sell offline

 No. Each account is for one insured farmer only. This helps us protect buyers and avoid fraud. If you are a cooperative or group, contact us for bulk registration.

No problem. You can manage everything by USSD. Just dial *347*168# on your mobile phone (no internet or smartphone needed).

Yes. Only verified farmers who are part of Yemert Secure can sell. Our agents also do field checks and quality assessments. Buyers receive location, crop info, and contact for every listing

We only allow verified prepayment. Farmers are advised not to deliver crops without payment confirmation or agent involvement

Yes, dial *347*168# and choose “Edit Listing.” You can update the price or quantity. But if a buyer has already shown interest at a given price, you must notify them before changing
 

No, but only if necessary we can set it up. Our local agents can help arrange safe farm visits if needed.

Yes. We vet buyers and have secure payment options. We never share your personal data without permission and advise you never to send produce without payment confirmation.

Yes, but check delivery options and buyer terms. Yemert is expanding fast, and soon you’ll be able to ship produce across Nigeria and into nearby countries through our network.

Tip: The more consistently you list and deliver good-quality produce, the more loyalty rewards and faster buyer matches you’ll get.

1. What is Yemert Credit?

Yemert Credit is a program that rewards farmers with cash or points when they adopt eco-friendly practices like tree planting, using compost, or reducing chemical use. These activities help capture carbon from the air, and we convert them into carbon credits that we sell to companies interested in sustainability

A carbon credit is like a certificate that shows you helped reduce harmful gases that cause climate change. Companies buy these credits to balance out their emissions. When you farm in a sustainable way, you earn credits we can sell on your behalf, and you get rewarded

Because you are helping the environment! Farming in a way that protects the soil, reduces emissions, and grows trees helps fight climate change. Yemert wants to put money in your hands while also helping the planet

  1. Dial *347*168#
  2. Choose “Yemert Credits”
  3. Select “Join Program”
  4. Choose your activity: tree planting, composting, reduced tillage, etc.
  5. You’ll be scheduled for a free training (online or with an agent)

 

✅ Planting trees (like gliricidia, neem, hemp, or moringa)
 ✅ Using organic compost or natural fertilizer
 ✅ Avoiding bush burning
 ✅ Practicing crop rotation
 ✅ Reducing chemical sprays
 ✅ Water conservation practices

  1. Dial *347*168#
  2. Select “Report Activity”
  3. Choose the activity you completed
  4. Enter the number (e.g., trees planted)
  5. You may be asked to send a photo or meet an agent to verify

Dial *347*168# → “Yemert Credits” → “Check Balance”
 You’ll see your total credits earned and their cash value.

 You can convert credits to cash from the USSD menu:
 “Convert Credits” → “Withdraw via Mobile Money or Bank Transfer”
 ✅ Withdrawal available once you reach ₦5,000 or more
 ✅ Payouts processed monthly

 We use a simple system:

  • For every 20 verified trees, you can earn up to ₦2,000 or more

For compost or other practices, you earn based on frequency and impact
 Your total credit depends on:
 – Type of activity
 – Number or size
 – Verification status
 – Market price of carbon

No. Everything can be done through USSD on a basic phone, no data, no apps

Yes, but you need to register and start reporting them via Yemert to get verified. Past activities may not count unless they are verified by our agents.

You can earn multiple times per year, depending on how many sustainable activities you complete and report. For tree planting, earnings grow as the trees grow and survive

Yes! If you’re part of a farmers’ group or cooperative, you can join together. We also provide training and bulk verification for groups.

Your credits are only valid if your activities are ongoing and verified. If trees die or harmful practices are resumed, your earnings may reduce

All activities must be verified. Our agents visit farms or check photos. If any farmer is found cheating, they will be removed from the program permanently

Yes. Once you register, you receive a Yemert ID and regular updates. You may also receive a carbon certificate after completing a training

No. You must first register for Yemert Secure (crop microinsurance) because it verifies your identity and land size. Yemert is a bundled platform, and each service supports the others

Besides extra income, your actions help

  • Reduce climate change impact
  • Improve soil and food quality
  • Conserve water
  • Improve soil health
  • Build resilience against floods or droughts

✅ Simple onboarding with USSD
 ✅ Local verification with real agents
 ✅ Fair payout and farmer-first model
 ✅ Bundled with insurance and market access
 ✅ Designed for smallholder farmers in Africa

1. What is Yemert?

Yemert is a one-stop digital platform built for smallholder farmers across Africa. We help farmers access affordable crop insurance, sell their produce easily, and earn extra income through carbon credits, all from a basic mobile phone using USSD (*347*168#) or online.

Yemert is designed for:

  • Smallholder farmers (with less than 5 hectares of land)
  • Agribusiness cooperatives
  • Produce buyers and aggregators
  • NGOs or government agencies working with farmers
  • Urban consumers looking for fresh, traceable produce

Farmers:

  • Dial *936# on any mobile phone
  • Follow the prompts to register (name, language, crop type)
  • Get your Yemert ID and access services

Buyers or Consumers:

  • Visit www.yemert.co
  • Go to Yemert Market
  • Browse, order, and track produce online

For USSD: A basic mobile phone (no data needed)
For Marketplace: A smartphone or computer with internet
You’ll also need a valid phone number and farm details to register.

Yes, registration is free. However:

  • Insurance has small premiums starting from ₦15,000 or $15/month
  • Marketplace takes a small service fee on each sale

Carbon credit earn you money, not the other way around

No, but to use Yemert Market or Credit, you must first register and be covered on Yemert Secure (Crop Microinsurance). This keeps the platform secure and ensures verified participation

Yes. We follow strong data protection protocols and never share your information without your permission

Yes! Yemert is available in:

  • English
  • Yoruba
  • Igbo
  • Hausa
  • Kinyarwanda and Swahili (coming soon) We’re constantly expanding based on user feedback

Currently, Yemert operates in Nigeria, with pilot interests in Rwanda, Kenya, Benin, and Ghana. We’re expanding to more regions soon

✅ We are bundled insurance, market access, and carbon income in one
 ✅ Built for basic phones (USSD)
 ✅ Tailored for low-income rural farmers
 ✅ Farmer-first approach, not donor-first

There is no minimum. Whether you farm on half a plot or multiple acres, Yemert is designed to include even the most vulnerable smallholder farmers

No! You can access all services using USSD *347*168# or via our website for online users. A mobile app may launch in the future 

Yes. You can add new services any time, but registration via insurance is required first

After registration, go to your USSD or profile page and select “Refer a Farmer”. You can earn bonus credits or airtime when they sign up and activate insurance

Absolutely. We work with NGOs, government bodies, and cooperatives for large-scale farmer onboarding, training, and incentives. Email [email protected] to reach our team

1. What is the Yemert USSD code?

Yemert’s official USSD code is: *347*168#
 It lets farmers without smartphones access all our services directly from any basic mobile phone

With *347*168#, you can:

  • Register your farm and get a Yemert ID
  • Pay for crop insurance (Yemert Secure)
  • Sell your farm produce (Yemert Market)
  • Join the carbon credits program (Yemert Credit)
  • Report activities (tree planting, composting, etc.)
  • Track payments and balances
  • Access help and support
  • A mobile phone (smart or feature phone)
  • A SIM card from any supported network (MTN, Airtel, Glo, 9mobile)
  • Basic knowledge of how to dial numbers and follow prompts
  • No internet, however, airtime is needed to cover session cost for most networks in Nigeria based on the NCC regulations.

No, Yemert’s USSD is free to use.
 You only pay for insurance or other services you choose to activate

Yes, the onboarding flow walks you through Yemert Secure (microinsurance) first. Once that’s active, you’ll gain access to Yemert Market and Credits right after

  • You’ll receive a unique Yemert ID via SMS
  • Your services are activated (insurance, market access, etc.)

You can return anytime using *347*168# and your ID

You can recover your Yemert account by contacting support or visiting a local agent. Your ID is tied to your national identity or phone number for verification.

Yes. Simply dial *347*168# and choose your preferred language.

Available languages:

  • English
  • Yoruba
  • Hausa
  • Igbo
  • Kinyarwanda and Swahili (coming soon)

Yes. Your information is encrypted and secure. We do not share your data with third parties unless legally required

Yes. After onboarding, you can select the “Refer a Farmer” option and input their phone number. Once they sign up and insure, you receive a reward

Don’t worry. Every page includes a “Go Back” option. You can always start over or dial back in

Yes. There is a Help section where you can request:

  • A callback from an agent
  • Claim support
  • Report a failed transaction

We provide:

  • In-app USSD Help
  • Field agents in select communities
  • WhatsApp bot (Ubi)
  • SMS helplines and live support numbers
  • Email support

Yes, but agent services and certain manual verifications (like claims or payouts) are handled during business hours

1. What is Yemert?

Yemert is an Agritech company that supports African smallholder farmers by giving them access to:

  • Affordable crop insurance
  • A digital marketplace to sell their produce
  • Carbon credit incentives for climate-smart farming

We are have a bundled solution that helps farmers grow financially and protect their livelihoods

Yes. Yemert is a registered legal entity. We currently operate out of Nigeria and Rwanda and are expanding into more African countries.

Yemert is registered in Rwanda and Nigeria, with plans to scale across Africa. Our team works across different regions and is focused on localising solutions for farmers on the continent.

No. Yemert is a for-profit enterprise. While we exist to serve and empower farmers, we use sustainable, revenue-generating models to scale our impact.

Yes. We prioritise user privacy and data protection. Our platform is designed with security and compliance in mind.

Absolutely. We work with:

  • Farmers’ cooperatives
  • NGOs focused on agriculture and climate
  • Development partners and private companies

Please email [email protected] for inquiries

We’re always on the lookout for passionate talent in product, engineering, design, agronomy, and community growth. Email us at [email protected] or follow us on LinkedIn for updates.

Yes. We hire and train local agents in farming communities to support onboarding and claims. Interested individuals can reach out via the USSD (Help > Become an Agent) or email [email protected]

Still have questions?

Email us

WhatsApp Support

Join our Farmer Helpline via USSD

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