# VeriFund | Green Asset Verification

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

> **Description:** Capital moves at the speed of evidence. Asset-level outcome verification and avoided emissions recording for green portfolios.

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PCAF-Aligned Avoided Emissions 

#  Prove What Your  
Green Finance Achieves.

PCAF's December 2025 guidance requires avoided emissions to be calculated separately from your GHG inventory. VeriFund enforces this by architecture. Operating on governed disclosure data, same attribution methodology, mandatory separation, audit-grade evidence. 

See the Calculation  View Evidence Object 

Portfolio E-Mobility Tranche A

Avoided Emissions 67.68 tCO₂e attributed

Baseline Status LOCKED

![Green Asset Infrastructure Schematic](/_astro/green-asset-premium-schematic.DcDfEDId_1hB9qY.png)

The Credibility Gap 

##  Where Avoided Emissions  
Claims Break Down.

Green capital does not fail because assets underperform. It fails because avoided emissions claims cannot be defended. Across African markets, impact claims collapse under review for the same three reasons. 

### The Baseline Problem

No Credible Counterfactual

Baselines are invented after the fact, adjusted between periods, or chosen to maximize impact claims. 

Result: Greenwashing Accusations.

### The Attribution Problem

Inconsistent Methodology

Avoided emissions use different attribution than financed emissions. Auditors notice. Credit committees reject. 

Result: Methodological Doubt.

### The Aggregation Problem

Netting Against GHG Inventory

Avoided emissions are subtracted from financed emissions to claim "net positive" portfolios. PCAF explicitly prohibits this. 

Result: Regulatory Rejection.

This is not a data problem. It's an avoided emissions calculation problem.

The PCAF Separation Rule

##  Two Ledgers. One Asset.  
Never Aggregated.

PCAF's December 2025 guidance is explicit: avoided emissions and financed emissions are separate metrics with separate purposes. VeriFund enforces this by architecture. 

### SaaStain: Financed Emissions

"What emissions does the bank's financing create?"

PCAF Part A. Reported in GHG Inventory (Scope 3 Category 15). Measures climate risk exposure.

### VeriFund: Avoided Emissions

"What emissions does the green project prevent?"

PCAF Supplemental Guidance. Reported separately from GHG Inventory. Measures climate solution impact.

The PCAF Rule: "Avoided emissions shall not be aggregated for portfolio-level comparisons and shall not be used to substantiate net-zero claims." 

VeriFund enforces this by architecture. The two ledgers share asset identity - never calculations. Any attempt to net, restate, or aggregate these metrics is structurally blocked by the system. 

![SaaStain Financed Emissions vs VeriFund Avoided Emissions - Dual Ledger](/_astro/split-screen.CkKAuo6N_86mfB.png)

What VeriFund Does

##  Avoided Emissions Calculation.  
Asset by Asset.

VeriFund calculates avoided emissions per PCAF guidance - baseline locked at origination, performance measured continuously, evidence generated for every calculation. 

### Performance Data Ingestion

Telemetry, usage logs, fuel consumption. Direct from source, not reconstructed from surveys.

### Baseline Lock (Counterfactual)

The "what would have happened" scenario is declared and locked before tracking begins. No retroactive adjustments.

### Avoided Emissions Calculation

Baseline minus solution, calculated continuously. Not reconstructed annually from spreadsheets.

### Methodology Versioning

Every factor, formula, and assumption change is versioned, timestamped, and signed. Audit trail is automatic.

The rule: If the baseline changes, it's a new calculation - not an edit.

Solutions and enablers reported separately per PCAF guidance.

How It Works

##  From Green Asset to  
Evidence Object.

01

### Register (Asset Identity)

Green asset registered with financing metadata. Linked to SaaStain by asset ID - but calculations remain separate.

02

### Declare (Baseline Lock)

Counterfactual scenario defined, approved by named signer, and locked before tracking begins. This is the "what would have happened" benchmark.

03

### Monitor (Performance Ingestion)

Operational data flows in. Avoided emissions calculated against locked baseline. Data gaps flagged with quality scores, not estimated.

04

### Generate (Evidence Object)

Tamper-evident record with inputs, baseline, solution, formula, outputs, data quality score, and cryptographic signature. This is your audit artifact.

The evidence object is the disclosure.

![Evidence Object - Avoided Emissions Proof](/_astro/glass-prism.wXavETxd_GudWl.png)

Asset Class_01

EV Fleet Infrastructure

Asset Class_02

Utility-Scale Solar

Asset Class_03

Green Commercial Prop.

Green Asset Coverage

##  Different Assets. Same Methodology.

Avoided emissions calculation adapts to asset physics. Governance remains rigid. 

EV Fleets  Solar Projects  Green Buildings 

[ Forward-looking projections  ](/methods#eae)

Infrastructure Dualism

##  Two Disclosures. One Infrastructure.

Same governance. Reported separately. 

SaaStain produces the governed inventory. VeriFund consumes it to calculate avoided emissions. Same attribution method, same audit trail, never netted. 

[ Explore SaaStain ](/saastain)

CORE_INFRA SaaStain FINANCED_EMISSIONS VeriFund AVOIDED_EMISSIONS

##  Calculate Avoided Emissions.  
Correctly.  
One period. 

PCAF GUIDANCE IS LIVE 

Green bond investors expect avoided emissions data. Regulators expect PCAF compliance. Be the bank that has both. 

[ Walk Through Your Data  ](/contact)

Consultative, not transactional. No commitment beyond the conversation.

See the Calculation
