MICRO-FUNDING
Capital for the other 99%.
The biggest gap in the energy transition isn't technology — it's access to capital. Homes, farms and small businesses are ready to go clean, but capital markets weren't built to see them. We fix that — for customers across the globe, not just in rich countries.
Video transcript
Okay, let's talk about funding your project. So we did a lot of focus groups way back over a decade ago on if we develop all these products, how can we make sure that the market can consume the volumes that we plan to make? So 10,000 windmills, water turbines, solar trackers, thousands of batteries, how do we, how do we make sure that the market can finance them, be able to get them installed and all those important things that kind of upstream, downstream, you know, checking the boxes that, that you've met all the regulatory stuff.
So we've developed, an application that talks every device. So you download the Escout mobile app, you go out and audit your site, you call an installer in to get a quote to install it. You get a project manager that's automatically assigned to it. AI does the paperwork. We then have to bring, financing and more importantly insurance to the table. So whenever a bank loans something, they need to make sure that the products are insured in case of a fire, flood or a hurricane or a fire. And so we bring all that together and we put it in a package.
And every device has a little computer chip on board called a puff chip. And it's a unique function. So just like your fingerprint has a unique ID on it that only you in the world has that pattern. We do the same thing with each renewable, energy, whether it's a power generator, a battery, or a distribution point. We can then trade the electricity to the grid and be able to sell it back to the grid. So there's a consumer out there that wants to buy it, that's hooked up to the grid like an electric vehicle or an industry that uses a lot of power or we can consume power coming in. And so we always want that grid there when we're doing this micro grid work.
But more importantly, we want to be able to take your products that you're selecting for your location, your site, and then we want to be able to package it up with a whole bunch of other ones and we want to put it out onto the market with a financial mechanism called a medium term note under a climate bond.
So way back in the 1990s and early 2000s, the United Nations came in and said, we're going to fix the climate problem. And through a lot of bureaucracy and things that happen, the money that was allocated by all these big countries, didn't get deployed. And the bankers came in at one of the COPE, meetings and said, look, you're not in the business of deploying capital. We're going to take this on. And they created this thing called, the Climate Bond Initiative. So all the big banks around the world belong to this. And just a few years ago when we started working with the Climate Bond Initiative to get certified is that we learned that there were 17 times more capital sitting out in the banks looking for a acceptable compliant investment.
So we took that as a mission to take all of our products and make them Climate Bond certified. And now we can leverage that capital equipment, the installers, the insurance that goes on there and package them in and do it with a collective where all of this capital comes out of the market. It's really cool how it happens. If you're certified, the bond is traded within like the first minute that it goes live. So we have to go through the certification process. And so banks are looking for a place to put their money. Climate is a great investment because it's here, it's not going anywhere. And we need more power to power all these electric vehicles.
So in Costa Rica, it's kind of a developing nation. It's probably more forward thinking than the United States where I'm from. But they produce 98% of their power from renewable energy sources. What they did, which was really exciting was they brought in a lot of electric vehicles. They supported it with all kinds of incentives to be able to drive these electrical vehicles. And they now have a need for more power. So just recently the new government under President Laura Fernandez enacted a new law that says, hey, if you're, you know, up on this plantation, you've got solar panels, you can sell it back to the grid.
So we have kind of electricity as a new monetary form and we call that E to X. So we believe we can leverage the electrons, the tax credits, the power purchase agreements, the carbon credits and even the crypto people want to come in and help. They're trying to find assets that they can put on the blockchain ledger and be able to trade these things and help finance the climate thing. So we've got all these great financial institutions that want to make money off of climate change. Now we have products that actually have that unique fingerprint on there that we can start trading.
And it takes the cost, the barrier to entry. For somebody like my new mother in law here, I married a Costa Rican girl last month and she doesn't make that much money. But you know, she'd like to go green and she'd like to get an electric vehicle. How do you package that? And so we believe we've got the right method. So this is capital for the other 99%. And anyhow, we don't lend the money. We bring in a bond manager — a fixed-income portfolio manager — and they distribute the capital to, you know, the installers and the insurance companies and companies like ours that build the products. And so we just put the package together.
So there's 10 steps that we've identified in doing this, and you'll find them here, down on this page. If you come down. Yeah, here's the 10 steps to financing your project. But we automate it. It's all on a mobile app. It's really easy to use. You just download the app, come home and start auditing it. Call the installer, and we kind of take care of the rest. So we couldn't do this without AI. AI does a lot of the paperwork, gets everything ready to go, and then off we go. And so you can lower your capital needed to be able to make that renewable energy transition. So that's what we're talking about here on this page. Thank you very much for taking time to learn. Have a beautiful day.
Buying equipment? Start your funding here.
The anewenergy.earth tool walks you through it — your site's real climate data, your energy use, your EV plans, a sized recommendation, an installer match, and the funding package for the equipment you're about to buy, all before you sign anything.
The Gap
We don't lend money. We make small projects fundable.
A rooftop system in Costa Rica or a micro-grid for a family farm is too small for Wall Street to underwrite — so the people who need clean energy most are told to wait. ANEW Energy closes that gap as a packager, not a lender: the only capital we ever put in is our own equipment on a project.
Every ANEW project throws off four streams of value — the power itself, carbon credits, renewable tax incentives, and a tree planted for every product sold. The power is the engine; the other three are the accelerant. We size the package so the combined value carries the capital equipment plus installation, then aggregate thousands of small projects into paper that institutional capital can actually buy.
The Power Itself
The biggest stream by far. Every kilowatt-hour either replaces an expensive bill — or diesel — or is sold back to the grid under a contracted rate. Typically 80–95% of what repays the note.
Carbon Credits
Device-verified emissions reductions, issued through a recognised registry and sold into carbon markets. Worth most where a dirty grid or a diesel generator is being displaced.
Tax & Import Incentives
Renewable tax credits where they are transferable, and duty and VAT exemptions on clean-energy equipment where they are not. Both cut the amount that has to be borrowed.
A Tree Per Product
Every product sold plants a tree, tagged and tracked like the hardware it came with. Its financial value is small and we say so — its value is proof of permanence, and eligibility under Costa Rica's environmental-services programme.
EVERYTHING WE BRING TOGETHER
Ten steps. One turning picture.
This is the whole thing in one object. A rooftop in Costa Rica cannot reach the bond market on its own — it takes an audit, an installer, an insurer, a verifier, a basket, a note, an investor and a trustee, in that order, every week. Spin the wheel or click any symbol to walk the ten steps. The Earth turns with it, because the point of the chain is reaching the places capital normally skips.
Click the glowing symbol
The wheel clicks past a stop like a roulette wheel. Wherever it lands, that party's symbol starts pulsing — click it and you will see what they do, what they contribute, and who they hand off to. The Earth turns in lockstep, because this is a chain built to reach the places capital normally skips.
Why This Matters
Your roof isn't too small. It has just never been financed.
655 million people still have no electricity at all, and around two billion still cook over polluting fuels. Meanwhile the world puts roughly US$2.1 trillion a year into climate — against the US$7.4 trillion a year that's needed through 2030. We are short by more than three times over.
The gap isn't panels
Solar has never been cheaper. The hardware is solved. What's missing is paperwork: nobody drafts bond documents for an $18,000 rooftop, so the capital that wants to fund exactly this never finds it.
Small is where the emissions are
The homes, farms, clinics and workshops that are too small to underwrite are, added together, an enormous share of global energy demand — and the fastest-growing one. Skipping them isn't a rounding error. It's the whole problem.
Aggregation is the lever
One project can't move a market. A hundred thousand of them, pooled and verified, become an asset class — and an asset class is something a pension fund is allowed to buy. That's the entire trick.
What your one system becomes when it isn't alone
This is the part worth being plain about. You are not being asked to donate to the climate, or to pay a premium to feel better. You are being asked to redirect a bill you are already paying — into a system you end up owning, on a roof you already have.
- You supply the site. That is the scarce thing. Capital is abundant; verified, well-sited projects are not.
- Your meter becomes evidence. Device-signed generation data is what lets a verifier certify the bond that funded you — and the next thousand people after you.
- Your project makes the next one cheaper. Every completed, performing system is track record. Track record is what moves the coupon down.
- You are the collateral, not the credit risk. The note is serviced by what your system provably produces — which is why your income status doesn't gate you out.
Climate finance has spent two decades trying to move money to big projects in rich places. The emissions, and the people without power, are somewhere else. Aggregation is how the money finally gets to where the problem actually is.
The shortfall, in numbers
- Without electricity655 million people
- Cooking on polluting fuels~2 billion people
- Climate finance today~$2.1T / year
- Needed through 2030~$7.4T / year
- Needed in emerging markets~$2.4T / year
- The gapmore than 3× short
Sources: IEA energy-access reporting (2026); Climate Policy Initiative, Global Landscape of Climate Finance.
How It Works
From your roof to the bond market — ten plain steps.
Nobody should need a finance degree to understand who is paying for their solar panels. Here is the whole chain, start to finish. Each step is a real party doing a real job — and every one of them gets paid out of the same pot.
We audit your site
eScout, on anewenergy.earth, surveys your roof, your land and your meter against real NREL climate data. Out comes an engineering answer: how much sun or wind you actually have, how much power you actually use, and what size system fits. No salesperson involved. This is the number every later step is built on — which is why the audit has to be honest.
Certified installers bid
The audit goes out to ANEW-certified installers in your region, and they bid to do the work. You get competitive pricing without having to chase three quotes yourself, and the bond gets a real installed cost instead of an estimate.
The four value streams are priced
Against that specific system we price what it will produce: the power (savings plus anything exported), the carbon credits, the tax and duty incentives your country offers, and the tree. That total is what the project can afford to carry.
Insurers wrap the warranty
Financed renewable energy has to be warranted, or no bond investor will touch it. Specialist markets — the Lloyd's syndicates, Chubb and their peers — write performance-guarantee and warranty cover that stands behind the equipment for the life of the note. Budget roughly 0.8–1.0% of project cost per year, which is about 8–10% across a ten-year note. That premium is a cost of the project and goes onto the ledger with everything else.
Costs go on the ledger
Equipment, installer bid, insurance, audit, certification and a reserve buffer are added up into one number per project. That is the project's line on the bond ledger. Nothing goes in that hasn't been priced by somebody with their name on it.
Projects pool into a weekly basket
One rooftop is too small for the bond market. A few thousand of them are not. Each week's completed projects are pooled into a country basket — Costa Rica first — so that thousands of individually unbankable systems become one diversified, institutional-scale portfolio.
The basket is certified and drawn
The basket is structured to the Climate Bonds Standard, checked by a Climate Bonds Approved Verifier, and drawn as a tranche — a "tap" — under the US$500M Medium Term Note programme. The $500M is the programme ceiling; each weekly tap is a slice of it, not a new half-billion. Paper is drafted, a trustee and paying agent are appointed, and the tranche is listed.
Investors buy it
Green banks, development finance institutions, pension and sovereign funds, donor-advised funds and values-aligned pools buy the tranche. Certified climate paper is genuinely scarce relative to the money mandated to hold it — green bonds have been running roughly 2.6–5.2× oversubscribed against 2.3–3.3× for equivalent conventional bonds, and certified issues have priced at a modest yield advantage. That scarcity is our leverage.
60 days to switch on
Proceeds fund the equipment and the installer. A 60-day commissioning window runs before the first coupon is due, so the system is producing power before it owes anybody anything. On sign-off, the trustee releases payment: the installer gets paid, ANEW gets paid, the insurer's premium is settled.
The system pays the coupons
Every month the meter reports what it made. Exported power, carbon credits, tax incentives and environmental-service payments are applied to the coupon in that order. Whatever they don't cover, the customer pays — and because their old bill has largely gone away, that balance is meant to be smaller than what they were paying before. That is the whole point.
The Whole Picture
The circle of capital.
Every arrow is a real transfer between real parties. Orange is equipment and work, green is money, gold is the credits and income the system earns. They all pass through one place — which is the argument for ANEW existing at all.
Who's At The Table
Eleven parties. One project. Everybody has a job.
Creative climate finance sounds complicated because it involves a lot of people. It isn't complicated — it's just crowded. Here is every party in the chain, what they actually do, and how they get paid.
On the tree, honestly: Costa Rica's PES programme pays per hectare rather than per tree, and a single tropical tree is worth on the order of a dollar or two in environmental-service payments and a few dollars more in sequestration across its life. It is a genuine climate asset and a genuine audit trail. It is not what pays your bond coupon, and we won't pretend otherwise.
Who Gets What
Two worked examples, with the actual slices.
Illustrative modelling, not an offer or a quote — your own numbers come out of your eScout audit. But this is the shape of the deal, and the shape doesn't change much.
Example A — a family home in Costa Rica · 8 kW solar + 10 kWh storage · US$18,000 installed
Example B — a clinic or workshop in Kenya · 30 kW solar + 60 kWh storage · US$65,000 installed
This is where the model gets loud. The site currently runs a diesel generator at roughly US$0.40 a kilowatt-hour. Replacing that with solar and storage saves about US$18,000 a year — while displacing a dirty generator throws off roughly 31 tonnes of CO₂e a year of genuinely additional carbon credits. Debt service on the $65,000 note is about $8,660 a year over ten years.
- Bond investors take 47% of the value created — $8,660 a year, and it is covered nearly twice over
- The business keeps 53% — about $9,700 a year, from year one, on a bill they were already paying
- Carbon credits cover ~4% of the coupon — $378 a year at $12/tonne, and materially more if credit prices firm
- The customer contributes nothing extra — the diesel savings alone over-cover the note
Same structure, same paperwork, same certified installers — a very different pie, because the thing being displaced is expensive and dirty instead of cheap and clean. This is why the programme runs country baskets rather than one global pool: each market's economics are honest about themselves.
Kenya · annual slices
- Value created / year~$18,380
- → Bond coupon$8,660 · 47%
- → Stays with the business$9,720 · 53%
- Carbon avoided / year~31 tCO₂e
- Coupon cover ratio~2.1×
- Simple paybackunder 4 years
Why we run country baskets, not one global pool
Both examples are illustrative models built from public tariff, insolation and carbon-price data, shown to explain the structure. They are not quotes, projections, or an offer of any security, and actual results will differ by site, market, tariff, credit price and financing terms.
Proof-of-Generation Nodes
Every device is a node on the grid of capital.
Every ANEW product carries a Physically Unclonable Function (PUF) — a hardware identity read from the microprocessor's own flaw signature — the unique pattern of microscopic imperfections every chip is manufactured with, mapped into an ID that can't be cloned, spoofed or duplicated. Carbon credits live or die on measurement, reporting and verification, and the usual weak link is a meter reading somebody typed in. A PUF closes that gap: every kilowatt-hour is signed by a device that can prove it is the device. The credits, the incentives and the coupon all trace back to that signature. A kilowatt-hour doesn't care where it was generated, so a farm in Costa Rica underwrites just like a rooftop in Colorado. Proof, not promises.
- PUF hardware identity on every device — mapped from the processor's own flaw signature, clone-resistant by physics
- Paired with encrypted, carrier-authenticated cellular — two independent roots of trust, not one
- Signed generation data is the evidence base a verifier and a registry need
- Auditable data trail behind every credit and coupon — verified, not estimated
- Digital-asset ready — a foundation for tokenized, device-verified energy on our roadmap
The Capital Network
- StandardClimate Bonds Standard · approved verifier
- Carbon marketsCME offset futures & registries
- Risk transferLloyd's · Chubb · warranty markets
- Development capitalWorld Bank · EIB · GCF · FMO
- Green banksNY Green Bank · CEFC · GIG · REEEP
- PhilanthropyDonor-Advised Funds · UN SDG capital
- Sovereign & values-alignedIslamic finance · Tribal sovereignty funds
- OversightTrustee & paying agent · independent bond manager
The Machine Behind The Money
This board is why a bank will lend against your roof.
Every claim on this page — the carbon credits, the coupon, the warranty, the verification — rests on one small board bolted inside your equipment, and specifically on the PUF identity living on it. Tap the three markers to follow that identity: where it lives, where it gets applied, and how it reaches the market.
Climate finance has an honesty problem, and it is not usually fraud — it is estimation. Somebody models what a system should have produced, somebody else audits the model, and a credit gets issued against a spreadsheet. That works until it is examined.
This board replaces the estimate with a signature. It measures at the source, signs with a silicon-derived identity that cannot be duplicated, and carries that signature out over an encrypted, carrier-authenticated link — two independent locks, not one. That is the entire reason an institution can underwrite thousands of rooftops it will never visit — and it is the difference between our paper and a promise.
- Measured at the source, not modelled after the fact
- Signed by hardware that can prove it is that hardware, over a carrier-authenticated encrypted link
- Powered and connected independently of the asset it watches
- One record serving the coupon, the registry, the warranty and you
The PUF Chain
How a chip on your roof becomes a bond somebody buys.
This is the part that usually gets hand-waved. Climate finance runs on measurement, and measurement runs on trust — so we removed the part where you have to trust anybody. Tap any point to see what happens there.
Read it left to right and it is a supply chain for evidence. Read it right to left and it is a supply chain for money. PUF is the hinge — without a device that can prove it is itself, the whole chain is just paperwork asking to be trusted.
A Deeper Dive
A deeper dive into our funding methods.
Our strategy pairs a flagship instrument with a deep bench of capital resources. The flagship: a US$500M Medium Term Note programme structured for Climate Bonds Certification, listed where climate capital concentrates, and serviced by device-verified power, carbon and tax-credit cash flows. The $500M is the programme ceiling — tranches are tapped off the shelf as baskets fill, not issued whole.
Behind it, we are building the full capital stack for deployment: development capital from institutions like the World Bank, EIB and the Green Climate Fund; the green banking network; donor-advised funds and UN SDG philanthropy; and values-aligned pools from Islamic finance to tribal sovereignty funds — routed into weekly country baskets that reach real homes and small businesses.
Why we finance this way
Money that builds something.
Every step above points capital at a physical asset in a real place, and lets it be repaid by what that asset actually produces.
An old distinction worth reviving. Oikonomia — the root of the word economics — means management of the household. Set against it is chrematistics: using money simply to make more money, which Aristotle judged unnatural. Modern finance no longer marks the difference: the same return is treated identically whether it came from a wind farm or a position held for a fraction of a second.
Wealth is more than one number. A funded ANEW project should return on more than the note — local trades trained, an asset the community owns outright, emissions avoided, and power that lets new local enterprise exist at all. Over a 50-year life those are not soft extras; they are what makes the financial return durable.
Which way the value flows
Off the growth treadmill, into the local economy.
Resources are consumed faster than they regenerate for a reason, and it is not a shortage of good intentions. A very large machine has to grow every quarter, and physical things get torn up to make that happen.
Nobody steps off it alone. Exponential growth genuinely works short term — fortunes are made, pensions funded, budgets balanced. Slow it and recession follows immediately; keep it and the ecology goes down with the economy. Meanwhile the industry optimised for extracting returns on financial capital and left the whole system brittle enough to need central banks to survive contact with reality.
We still trade the instruments. Climate bonds are issued, power-purchase agreements signed, carbon credits registered and tax credits monetised — that is what gives a customer access to capital they would never be offered. What changes is where the income lands: revenue services the note, and the surplus stays with the owner and the local trades who built and maintain the asset.
Same instruments. Opposite direction of travel. Capital markets become a utility the local economy uses, rather than the party the local economy exists to feed. The reason this has not been normal is mechanical: community-scale projects are too small and too unverifiable to reach those markets alone. Solve measurement and aggregation and it inverts. That is what the platform is for.
Proof the market accepts
A PUF hardware identity signs every kilowatt-hour at the device. The weak link in carbon markets was always a meter reading somebody typed in.
Scale without consolidation
Aggregation happens at the instrument, not the asset. The roofs, turbines and micro-hydro stay in local hands — only the paperwork is pooled.
Tokenized energy — roadmap
Device-verified generation is the foundation for tokenized instruments. That is a stated roadmap item, not a live product. We would rather say so.
ANEW Energy is not a lender, broker-dealer or investment adviser. This section is for information only and is not an offer to sell, or a solicitation to buy, any security. Roadmap items are statements of intent, not commitments.
Several of the economic ideas in these sections come from The Great Simplification — Nate Hagens in conversation with John Fullerton on regenerative economics and Ed Conway on Material World. Cited as influences on ANEW’s thinking; none is affiliated with ANEW Energy and no endorsement is implied.
For Investors
Demand for clean energy doesn't have a down cycle.
The climate challenge isn't going away — which makes financing its solutions one of the most durable demand stories in any market. Our notes pair that demand with contracted cash flows, device-verified generation data, structuring to the Climate Bonds Standard with independent verification, an insured warranty wrap, and trustee-administered coupons.
ANEW Energy is not a lender, broker-dealer or investment adviser. This page is for information only and is not an offer to sell, or a solicitation to buy, any security. Program terms are subject to applicable regulatory requirements.
The micro-grid is what makes the funding work: metered generation, storage and a grid connection produce a verifiable 24/7 output, and that output is exactly what the carbon credits, PPA and tax credits are written against.
ANEW reference design — architectural rendering generated with Runway.