Centro Merkado

At a glance

Philippine agriculture leaks value at every hand-off: price discovery happens over the phone, payment terms stretch for weeks, and produce spoils in transit between islands. Centro Merkado closes that loop in a single platform — an escrowed marketplace where a purchase order becomes a funded contract, schedule-aware routing across truck and RoRo ferry legs, and a credit layer that reads the trade history the platform already holds. Every peso movement lands in an append-only, hash-chained ledger that reconciles to zero variance.

Features

• Escrowed trade loop: purchase order to contract to funding to milestone releases to same-day seller payout, reconciled to the centavo
• Append-only, hash-chained financial ledger with tamper detection and zero-variance reconciliation
• Tiered KYB verification (BIR TIN, DTI/SEC registration, CDA registration for cooperatives) behind a provider seam, with AMLC watchlist screening
• Payment rail adapters for QR Ph P2M, InstaPay, and PESONet with automatic large-value cutover, raw-body HMAC webhook verification, and idempotent funding
• Schedule-aware multi-leg route planning across truck and RoRo ferry legs for the two pilot corridors (Benguet to Metro Manila, Mindanao to Manila)
• Batch GPS and cold-chain ingestion built for offline backlogs, with per-sensor excursion detection and alerting
• Explainable credit scorecard with bilingual adverse-action reasons and a human review lane
• Signed inter-service event envelopes (HMAC-SHA256, constant-time verification) with TypeScript and Go implementations that never depend on cross-language JSON canonicalization
• Material 3 Expressive web application: bilingual (English and Filipino), light and dark themes generated from the brand colour with Material Color Utilities, a scroll-driven landing experience across a continuous SVG world, offline-tolerant reads, and WCAG 2.2 AA accessibility patterns throughout