Coverage Active

Designed for heterogeneity.
Governed per asset class.

African banking portfolios are not uniform. Peercarbon applies specific PCAF-aligned calculation methodologies for each distinct asset class, ensuring defensibility at the loan level.

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Production Ready Category 06

Motor Vehicle Loans

Passenger vehicles, commercial fleets, and transport assets.
Status: Live and in production This asset class is typically used for initial verification deployments due to its data availability (Make/Model/Distance), methodological clarity, and audit familiarity.

PCAF Category 6 Aligned

Attribution Logic

Vehicle-level classification by fuel type, technology, and usage (WTW / TTW)
Distance- and intensity-based tailpipe emissions factors
Data quality scoring maintained at counterparty and asset level
Explicit documentation of assumptions and factor sources

Governed Expansion Coverage

Additional asset classes are implemented using the same verification and governance architecture, with logic isolated, version-controlled, and auditable per category.

Differences are not collapsed. They are contained and governed.

Business Loans & Unlisted Equity

CAT 02

Private corporate exposures, including SME and mid-market portfolios.

/ Economic activity–based exposure classification
/ ISIC / NACE sector mapping for proxy selection
/ Bulk ingestion of legacy loan tapes
/ Explicit identification and documentation of defensibility gaps

Listed Equity & Corporate Bonds

CAT 01

Public equity and debt instruments.

/ Attribution based on EVIC per PCAF guidance
/ Sector classification via ISIC / NACE
/ Clear separation of reported versus estimated data
/ Counterparty-level emissions reconciliation

Project Finance

CAT 03

Infrastructure, energy, and industrial projects.

/ Physical activity-based emissions estimation
/ Use-of-proceeds attribution logic
/ Project-level boundary definition
/ Lifecycle emissions visibility where relevant

Commercial Real Estate

CAT 04

Commercial property portfolios and REIT exposures.

/ Floor-area and energy-intensity calculations
/ Building-level data normalization
/ Separation of Scope 1, Scope 2, and proxy estimates
/ Explicit boundary condition documentation

Methodological Principles

Strict Alignment

PCAF attribution and aggregation rules are applied without deviation.

Data Quality (1–5)

Quality scores are transparently assigned per counterparty and escalated where required.

Proxy Disclosure

All proxy usage is explicitly disclosed, sourced, and bounded by known limitations.

Audit Readiness

All assumptions, source data, and methodologies are fully documented, traceable, and replayable.

System Status

Motor Vehicles (PCAF 6) is Live. | All other asset classes are PCAF-aligned and scheduled for Q1 implementation.

// Governance Architecture

Governance Across Difference.

Each asset class operates under its own methodology selection, data hierarchy, and attribution logic.

Peercarbon does not force uniformity across these differences. It governs them. Ungoverned variation is where audit challenges escalate and confidence erodes.

PCAF compliance is not achieved by forcing sameness.

It is achieved by applying the right logic — consistently — across difference.

Core Philosophy

Choose your starting scope

Initial deployments begin with one asset class, one portfolio, and one reporting period — ensuring defensibility before expansion.

Run a 90-Day Financed Emissions Verification

Designed for heterogeneity. Governed per asset class.