In the context of China's "dual carbon" goal, digital financial inclusion plays an important role in agricultural carbon reduction. Based on the provincial panel data of 31 provinces in China from 2012 to 2022, this paper analyzes the impact of digital financial inclusion on agricultural carbon emissions and its transmission mechanism. The results show that digital financial inclusion has a significant inhibitory effect on agricultural carbon emissions. From the perspective of mechanism, inclusive digital finance can reduce agricultural carbon emissions through the upgrading of agricultural industrial structure. In addition, in the mechanism of digital inclusive finance affecting agricultural carbon emissions, there is a threshold effect, and only when rural human capital is higher than a certain threshold, digital inclusive finance can show an inhibitory effect on agricultural carbon emissions. Therefore, it is necessary to strengthen the multi-dimensional development of digital technology facilities, the development of digital inclusive finance and the upgrading of agricultural industrial structure, promote the green and low-carbon transformation of agriculture, comprehensively reduce agricultural carbon emissions, and realize the low-carbon and sustainable development of China's agriculture.