myAgro is addressing the gap in the market for financial services suited to the needs of smallholder farmers. myAgro works with smallholder farmers in West Africa (65% women), who are mostly locked out of microcredit and government lending programs and are not able to easily purchase seeds and fertilizer. As a solution, myAgro pioneered a mobile layaway savings tool that enables farmers to save—rather than borrow—their way out of poverty. The first of its kind, myAgro’s model is similar to how people in developing countries buy pre-paid minutes for their phone: just as farmers go to their village shop to buy scratch cards for pre-paid phone minutes, they can buy myAgro cards and layaway $1 to $50 to purchase seed and fertilizer for planting season. Farmers use their savings to invest in high-quality inputs, tools, and training to significantly increase their harvests and income.