The calculation engine
for financed emissions.
Peercarbon applies PCAF methodology to your portfolio data, locks the calculation logic, and generates
evidence packs that prove exactly how every number was derived.
One engine. One source of truth. Zero spreadsheet risk.
Where financed emissions approaches
fail under scrutiny.
Institutions are expected to defend financed emissions outputs under rigid global frameworks while operating systems that allow discretion, drift, and risk to accumulate faster than audit cycles can surface them.
This is not an effort problem. It is a control problem.
Hidden Discretion
Manual overrides, undocumented assumptions, and spreadsheet logic introduce exposure that often surfaces only during committee challenge or audit review.
Logic Drift
As standards evolve and interpretations shift, results change across reporting periods without a clear, versioned explanation of what changed or why.
Unbounded Risk Surface
Heterogeneous portfolios require different attribution logic, AI-assisted workflows blur interpretation, and raw customer data is exported externally.
Peercarbon is designed to eliminate these failure modes by construction.
At no point does
discretionary logic decide results.
Data
Minimized
Interpretation
Computation
Audit Trail
Ready
We minimize
data sharing risk.
Peercarbon is architected to reduce data-sharing risk and procurement friction. Raw customer identifiers and source records remain inside the bank perimeter.
-
Data Residency
Data stored in tenant-isolated database partitions.
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Access Boundary
No cross-tenant data access; row-level security enforced at database layer.
Intelligence is applied only where discretion currently hides.
This includes bounded, task-specific agents operating under strict governance constraints. We do not use AI to hallucinate results. We use it to detect when methodology rules are being broken.
Methodologies are version-locked
Every calculation is tied to a specific, immutable version of the PCAF or internal standard.
Attribution paths are deterministic
The logic used to attribute emissions to a loan is fixed before computation begins.
Logic is replayable
Any result can be perfectly reconstructed during audit years later.
Determinism as a system property.
Peercarbon enforces determinism by locking logic before computation begins. Constraints are consistent across institutions.
System Architecture
Ingestion
- • Accepts CSV, Excel, JSON, API
- • Validates schema before processing
- • Hashes uploads for integrity verification
Calculation Engine
- • Applies attribution logic per workspace configuration
- • Retrieves emission factors from locked factor set
- • Outputs emissions per record with DQ score
Evidence Store
- • Immutable append-only log
- • Every calculation linked to methodology version
- • Exportable as evidence pack (PDF, JSON)
Access Control
Role escalation requires explicit assignment. No implicit permission inheritance.
| Role | Permissions |
|---|---|
| Operator | Upload data, view calculations, export reports |
| Reviewer | All operator permissions + approve/reject workspace transitions |
| Admin | All reviewer permissions + manage users, configure factor sets |
Integration
| Method | Specification |
|---|---|
| REST API | OpenAPI 3.0 compliant. JWT authentication. Rate-limited. |
| Batch Upload | CSV/Excel with defined schema. Validation errors returned per row. |
| Export | JSON, CSV, PDF evidence packs. SFTP or API retrieval. |
The 47-Page Evidence Pack.
When the auditor asks "how did you get that number?"—you hand them this.
Methodology Section
PCAF v3 (2022) reference, formulas used
Factor Set Details
Source, version, SHA-256 hash, uncertainty %
Data Quality Distribution
DQ scores by exposure count and emissions weight
WDQS Calculation
Portfolio-level weighted data quality score
Event Chain
Append-only audit trail with hash verification
Standardize your financed emissions logic.
We are currently accepting institutions for Q3 2026.