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
New PCAF Dec 2025 Avoided Emissions
The Disclosure the Auditor
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.
Q3 All Branches
DQS
Total Emissions
12,405 tCO₂e
Coverage
98.2%
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.
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
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
FRAGMENTED DATA
MANUAL RECONCILIATION
SLOW AUDITS
HIDDEN COSTS
The Peercarbon Standard
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
Instant connection via standard protocols. No manual transformation required.
Validate
Every calculation is reproducible. Auditors trust the logic because it cannot drift.
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.
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Audit-Ready at Compute Time
No post-processing. No separate documentation phase. The artifact generated at computation is the final deliverable for regulators.
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Vendor-Independent Forever
Your Evidence Pack remains readable and verifiable with or without PeerCarbon platform access. The evidence belongs to you.
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
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
Available Now
VeriFund
Avoided Emissions
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
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.
30 minutes. Your data shape. No uploads required.
See CarbonMap Record Specs →