# Peercarbon | Institutional-Grade Financed Emissions — PCAF Accredited

**URL:** [https://peercarbon.earth/terms](https://peercarbon.earth/terms)

> **Description:** PCAF-accredited platform for defensible financed emissions disclosure. Built for African financial institutions across loan and investment portfolios.

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[ New PCAF Dec 2025 Avoided Emissions ](/verifund)

PCAF Accredited Partner · Dual-Ledger Governance 

#  The Disclosure the Auditor  
Cannot Break 

The banks that build governance first will define the standard. The era of the proxy estimate is over. 

[ See the Engine  ](/saastain) Download Sample Record 

Node

Level Branch

Emissions 1,200 tCO₂e

DQS 1.2

Q3 All Branches

DQS

Total Emissions

12,405 tCO₂e

Coverage

98.2%

[![PCAF Accredited](/logos/pcaf-accredited.svg)](https://carbonaccountingfinancials.com) [![UN Global Compact Network Kenya](/logos/ungc.png)](https://unglobalcompact.org) [![Greenhouse Gas Protocol](/logos/ghg-protocol.webp)](https://ghgprotocol.org) [![TCFD](/logos/tcfd.png)](https://www.fsb-tcfd.org) [![Science Based Targets initiative](/logos/sbti.png)](https://sciencebasedtargets.org) [![Carbon Accounting Alliance](/logos/caa.webp)](https://carbonaccountingalliance.com) [![BioCarbon Standard](/logos/biocarbon.svg)](https://biocarbonstandard.com) [![PCAF Accredited](/logos/pcaf-accredited.svg)](https://carbonaccountingfinancials.com) [![UN Global Compact Network Kenya](/logos/ungc.png)](https://unglobalcompact.org) [![Greenhouse Gas Protocol](/logos/ghg-protocol.webp)](https://ghgprotocol.org) [![TCFD](/logos/tcfd.png)](https://www.fsb-tcfd.org) [![Science Based Targets initiative](/logos/sbti.png)](https://sciencebasedtargets.org) [![Carbon Accounting Alliance](/logos/caa.webp)](https://carbonaccountingalliance.com) [![BioCarbon Standard](/logos/biocarbon.svg)](https://biocarbonstandard.com)

Building to Global Standards

The Integrity Gap

##  Three Ways Climate Disclosures Fail Scrutiny

The spreadsheet is free until the audit. Real-world calculations of emissions associated with financial activities will fail for the same reasons every time: you cannot recreate the number, justify the method, or verify the source. 

![Broken Link](/_astro/icon_broken_link.B4pTCINt_Z1x67N1.png)

### Unreproducible Results

The analyst who built the calculation left. The factor table updated mid-cycle with no record of the change. The auditor re-runs the computation. Different result. Remediation timeline: 4-8 weeks. 

× Risk Committee Escalation 

![Methodology Glitch](/_astro/icon_glitch.MC3P8MTP_Z2n3fDW.png)

### Methodology Without an Owner

The documentation is a Word file with unclear version history. The auditor asks "who approved this?" No one can answer. The methodology must be rebuilt. Year-over-year comparability resets. 

× Board Notification 

![Untraceable Data Source](/_astro/icon_missing_piece.Ch_SRt1n_22d8kP.png)

### Source Data Modified After Export

Exposure records changed after the initial extract. Discovered months after disclosure. No record of when the data changed or who changed it. Re-extraction, re-computation, re-disclosure. 

× Restatement on Record 

##  From Tribal Knowledge to Institutional Property

### The Manual Trap

![Without Peercarbon - Fragmented Data](/_astro/chaos_grayscale.Dzefh1bO_3E8RY.png)

FRAGMENTED DATA 

MANUAL RECONCILIATION 

SLOW AUDITS 

HIDDEN COSTS 

### The Peercarbon Standard

![With Peercarbon - Unified Data Mesh](/_astro/order_grayscale.DMBAlecr_ZRYGd7.png)

#### UNIFIED  
DATA MESH

REAL-TIME LEDGER 

IMMUTABLE TRACE 

DETERMINISTIC LOGIC 

AUDIT TRAIL 

The Process

##  From Portfolio Extract to CarbonMap Record

Zero consultants required. Automated from day one. 

![Ingest](/_astro/process_ingest_fiber.Bgwlilwq_ZbcVJC.png)

### Ingest

Instant connection via standard protocols. No manual transformation required.

![Validate](/_astro/process_validate_laser.DyHTE9V6_Z11ORwR.png)

### Validate

Every calculation is reproducible. Auditors trust the logic because it cannot drift.

![CarbonMap Record](/_astro/process_record_cube.DaEH9w2V_2lfmBF.png)

### CarbonMap Record

Tamper-evident record. Verifiable offline.

## Design Intent

Designed for a 15-minute audit

Capital decisions are only as credible as the disclosures they rely on. When the regulator asks how you calculated your portfolio emissions, you hand them the CarbonMap Record. One audit trail, both disclosures. Conversation over.

This is the standard we're engineering toward. 

The Deliverable

##  The CarbonMap Record 

Every disclosed number produces one self-contained evidence artifact. The same file goes to internal risk, external auditors, the CBK, and DFI partners. An auditor can verify it independently — no vendor callback, no proprietary software. Reports describe what happened. The CarbonMap Record proves it. 

  * ### Audit-Ready at Compute Time

No post-processing. No separate documentation phase. The artifact generated at computation is the final deliverable for regulators.

  * ### Vendor-Independent Forever

Your Evidence Pack remains readable and verifiable with or without PeerCarbon platform access. The evidence belongs to you.




[ View Technical Specifications → ](/saastain#evidence-specs)

![CarbonMap Ledger - Obsidian Network Artifact](/_astro/carbonmap_ledger_network_block.BNkkWjnR_Z12eFao.png)

![Data Sovereignty - Secure Data Sphere with Firewall](/_astro/carbonmap_sovereignty_sphere.BjIoVu0W_21uB6C.png)

Data Sovereignty

##  No Bank PII Leaves the Terminal 

We compute on the shape of your data. Built for real banking data, not perfect data. We handle gaps without demanding clean sheets. 

Customer names never leave your firewall. Identities are converted into unreadable codes using keys only you control. We can track portfolio trends over time, but we never see - and can never recover - the names, addresses, or IDs of your clients. 

Privacy Architecture

Key loss permanently severs linkability—acceptable for audit purposes and eliminates re-identification risk. 

The Platform 

##  Two Disclosures. One Infrastructure.

Disclosure first. Capital second. Same infrastructure enforces both, in that order. 

[ Available Now SaaStain Financed Emissions ![SaaStain - Compliance Disclosure](/_astro/platform_saastain_solid_core.CW-38h5b_Z19eGKe.png) The disclosure system of record. What emissions are attributable to your portfolio right now. Regulatory-grade, reproducible, audit-ready. 

  * Absolute measurement 
  * Period-locked methods 
  * Traceable to source 

](/saastain) [ Available Now VeriFund Avoided Emissions ![VeriFund - Impact Disclosure](/_astro/platform_verifund_fluid_core.DlwK7veY_unakn.png) The impact disclosure. What didn't happen because your green assets exist. Operates on governed inventories, reported separately per PCAF December 2025. 

  * Baseline comparisons 
  * Scenario-based verification 
  * Governed flexibility 

](/verifund)

##  The era of discretion  
is over.  
Weeks, not years. 

Institutional-Grade Emissions Associated with Financial Activities. 

When auditors ask 'who approved this number?' - the system answers with a name, a timestamp, and a complete decision trail. 

[ Walk Through Your Data  ](/contact)

30 minutes. Your data shape. No uploads required.

[ See CarbonMap Record Specs → ](/saastain#evidence-specs)
