MeetCarbon Green Finance · Green supply-chain finance platform
Put a supplier’s carbon performanceinto its financing price.
Real operating payables of the anchor enterprise are the asset base, supplier carbon performance is the basis for differentiated pricing, and licensed financial institutions provide the funds and own the risk. The platform provides information, data and matching services and never touches funds.
≤ 6 months
Payment term of receivable e-certificates should in principle not exceed 6 months (PBOC Notice [2025] No. 77)
60 days
Statutory deadline for large enterprises to pay SMEs (State Council Decree No. 802)
L1 – L5
Five carbon label tiers map to suggested discount bands; the final rate is set by the institution
Policy · Why now
Regulatory boundaries, payment deadlines, SOE supplier grading and green-credit targets all land in the same year.
Supply-chain finance has entered a regulated phase, SME payments now have statutory deadlines, central SOEs are grading suppliers by carbon performance, and banks’ green-loan targets lack SME clients and credible data. All four point to the same platform model.
0 months
Cap on e-certificate terms
In principle ≤ 6 months, 1 year at most
0 days
Payment deadline for public bodies
60 days for large enterprises
0%
Carbon Emission Reduction Facility funding
Of loan principal, at 1.75%
0
Facility extended to end-2027
Reductions must be disclosed and verified
National policy timeline
Click any document for its provisions and platform requirements
Standards and market practice
Linking carbon performance to financing price already has local standards and licensed-institution precedents; the platform turns carbon data into evidence banks can rely on.
Green bill identification guide
Group standard T/HBFS 001-2023 sets out green bill criteria; the platform can assemble supporting material to it or to another local standard.
T/HBFS 001-2023
Green bill grading
Green bills are graded G1–G5; public reports cite roughly 23% lower financing cost on the first discount.
~23%
Carbon-footprint-based rates
Since September 2025, banks have offered differentiated loan rates based on PV module carbon footprints.
Carbon-linked loans
In 2025 several banks launched loans linked to product carbon footprint or reduction performance.
Accounting and verification basis
Organisational accounting follows GB/T 32150 and ISO 14064-1; product carbon footprint follows ISO 14067.
ISO 14064 / 14067
Market examples are drawn from public reports as methodological references; rates and limits are as published by each institution.
Industry gaps · Four missing pieces
Project libraries have the files; transactions, assets, revenue and data are still off the ledger.
Local climate investment, green-finance service and bank–enterprise platforms usually have policy, project and company libraries plus matchmaking events. The four things that decide whether a platform can keep running still sit outside it.
Before
Listing and signing happen off-platform, so nobody can show financing happened because of the platform.
With Green Finance
Anchors confirm real operating payables on the platform, so every financing maps to a transaction.
Verifiable on the dashboard
Confirmed amount, number of financing applications
Three sets of pressure at once
Banks, SOEs and SOE assessments each have pain points; together they call for one verifiable ledger.
Hard to find clients
SME green projects are scattered and costly to acquire.
Costly classification
Green classification relies on manual documentation.
Benefits hard to report
Environmental benefit estimates lack credible base data.
Post-loan blind spot
Carbon performance is not monitored after disbursement.
SOE arrears and supplier choice
Payments must be on time; non-cash payment must be agreed in advance and chosen voluntarily, with confirmation and choice both on record.
SOE green supply-chain assessment
Anchors must deliver supplier green grading, green procurement share and evidence that incentives were applied.
One verifiable ledger
Confirmed · Funded · Discount · Label coverage
Key highlight · Carbon as the main thread
Every party on the chain moves from passive to active decarbonisation.
The returns on decarbonisation are paid out by role: suppliers get lower financing prices, anchors deliver their assessment materials, financial institutions meet green-credit targets, and governments get verifiable results. Once interests are aligned, each party drives decarbonisation on its own.
Switch to see how each party behaves
Suppliers on the chain
Before · Passive
Cutting carbon costs money for equipment and management, yet suppliers pay the same financing price as everyone else on the chain. With no visible return, they only report when the anchor asks.
Anchor enterprises
Before · Passive
Supply-chain emission and green-procurement targets rely on cascading notices and year-end forms; suppliers engage little and materials are hard to verify.
Financial institutions
Before · Passive
Green-loan targets depend on finding and classifying projects alone. With little SME carbon data, deals are skipped or booked as ordinary loans.
Local governments
Before · Passive
Reduction targets are pushed down administratively, and it is hard to show how much financing and reduction policy resources actually delivered.
The incentive loop · More reduction, more return for everyone
Each party's gain comes from the previous party's reduction. With every turn of the loop, carbon performance and green financing on the chain rise together.
01 / 05
Suppliers level up
Inventories, product footprints or verification move labels from L1 towards L5.
How it differs from existing supply-chain finance platforms
Existing platforms move and finance receivables. MeetCarbon Green Finance builds on the same real transactions and makes carbon performance the thread that runs through the whole process.
Main thread
Existing supply-chain finance platforms
Anchor credit and receivables circulation
MeetCarbon Green Finance
Supplier carbon performance, running through onboarding, confirmation, pricing, matching and statistics
Pricing basis
Existing supply-chain finance platforms
Mostly anchor credit; suppliers on one chain get similar prices
MeetCarbon Green Finance
On top of anchor credit, differentiated suggested bands by L1–L5 carbon label
Carbon data
Existing supply-chain finance platforms
Usually not collected, or filled once a year and kept out of credit review
MeetCarbon Green Finance
Label snapshots and evidence packs are frozen with each application and usable by institutions
Reason to decarbonise
Existing supply-chain finance platforms
Reduction spending has no link to financing cost; suppliers respond passively
MeetCarbon Green Finance
Higher labels mean lower suggested prices, turning reduction spending into a price advantage
For anchors
Existing supply-chain finance platforms
Eases payment pressure and improves reporting
MeetCarbon Green Finance
Also delivers supplier green ratings and green-procurement materials for SOE supply-chain assessments
For institutions
Existing supply-chain finance platforms
Client acquisition and asset deployment
MeetCarbon Green Finance
Also supports green-loan classification, environmental-benefit estimates and dedicated reports
For governments
Existing supply-chain finance platforms
Financing volume is visible, reduction results are not
MeetCarbon Green Finance
Funding, discounts and reduction results in one ledger, reported separately and verifiable
Platform boundary
Existing supply-chain finance platforms
Some platforms pool funds, share spreads or charge channel fees
MeetCarbon Green Finance
Never touches funds or holds balances; publishes technical service fees by volume; suppliers pay no channel fee
Open platform · Carbon capabilities you can graft on
Supply-chain platforms already running can plug in carbon capabilities.
MeetCarbon Green Finance is an open platform. Carbon data collection, carbon labels, evidence packs, green-classification support and dedicated statistics are all exposed through standard interfaces. Institutions that already run a supply-chain finance system keep their accounts, fund flows and processes, and add carbon-based pricing and statistics inside the existing flow.
Pick a carbon capability to see which step of your platform it plugs into
Existing platform
Your supply-chain finance system
Accounts, settlement and business processes stay as they are
- 01Supplier portal & onboardingGrafted
- 02Anchor confirmationGrafted
- 03Electronic receivable vouchersGrafted
- 04Funder connection & approvalGrafted
- 05Post-loan & maturity managementGrafted
- 06Operations & regulatory reportsGrafted
Open interfaces
OpenAPI · Event subscription · Embedded components
MeetCarbon carbon capabilities
Returned by the interface
Supplier organisational emission ledger, energy and green-power data, with data-source grades.
Plugs into
Four integration modes, alone or combined
Choose by the development capacity of your system and how much you want to change. Interfaces and components share one carbon dataset, so results stay consistent.
API calls
Your platform calls the interfaces at confirmation, application and approval, retrieves labels, evidence packs and suggested bands, and presents them in its own UI.
Embedded components
Carbon inventory forms, label cards and evidence-pack previews embed into your supplier and institution portals with minimal front-end work.
Event subscription
Label upgrades and downgrades, verification updates and evidence-pack changes are pushed in real time so you can refresh limit suggestions or trigger post-loan reviews.
Business data return
With authorisation, your platform returns confirmation and disbursement results; MeetCarbon produces green ratings, dedicated statistics and reduction results you can pull back.
Integration path
- 1
Agreement & authorisation
Sign the interface service agreement, issue app credentials and agree the capability scope and data-authorisation rules.
- 2
Sandbox testing
Run label queries, evidence-pack retrieval and event callbacks end to end with sample suppliers.
- 3
Supplier carbon data intake
Suppliers authorise inside your platform; carbon data enters via the collection component or existing verification reports.
- 4
Per-deal delivery & statistics
Labels and evidence packs travel with every application; ratings and dedicated statistics are produced on schedule.
Systems that fit
Integration boundaries
- Your account system, settlement and business processes stay unchanged
- Carbon interfaces return data and opinions only; there are no payment, disbursement or balance interfaces
- Supplier data is called within the minimum authorised scope, and every call is logged
- Rates and limits are set by the institution under its own rules
Participants · Seven parties
One network links industry, finance, services and oversight, and each party sees only what it should.
Data is isolated by tenant: anchors see only their own suppliers and confirmations, banks see only applications authorised for them, and government sees aggregates by default.
Green Finance
Entities · Carbon data · Bank workbench · Dashboards
Positioning · Three layers, three red lines
An entry point for companies, a target-achiever for banks, a ledger for government.
Three business layers share entities, carbon data, the bank workbench and dashboards; three red lines run through every feature and cannot be switched off.
MeetCarbon Green Finance is a carbon-linked green supply-chain finance platform: the anchor’s real operating payables are the asset base, supplier carbon performance drives differentiated pricing, and licensed institutions provide funds and own the risk.
Three business layers
Supply-chain finance
Suppliers get funds against confirmed assets
Confirmation, payment choice, evidence packs, matching
Green credit
Banks meet green-loan targets
Catalogue mapping, classification support, benefit estimates, special reports
Carbon finance
Carbon asset uses such as allowance pledges
Authorised data and documents; decisions rest with licensed institutions
Three red lines
Supplier choice of payment method
Cash at maturity is the default after confirmation. Notes, discounting and factoring require the supplier’s own online selection; anchors cannot bulk-convert to notes.
Financing is unavailable until the supplier selects
The platform does no financial business
No lending, guarantees, payment settlement, fund pools or spread sharing. There is no platform account balance in the data model.
Results always read “approved by the institution”
Real operating trade only
Contract, invoice and acceptance are all required. Prepayments, government-procurement payables and fiscal transfers cannot be confirmed.
Duplicate confirmations trigger alerts and blocks
Four streams, built and audited separately
The funds stream only displays results written back by institutions; the platform never creates payment semantics.
| Stream | Recorded | Prohibited |
|---|---|---|
| Trade and confirmation | Contract, order, acceptance, invoice, confirmed amount and maturity | Confirming prepayments or government-procurement payables |
| Notes and certificates | Payment options, supplier selections, asset-route flags | Anchors bulk-switching cash to notes |
| Funds | Funded amount, rate and value date written back by institutions (display only) | Platform balances, collection/payment on behalf, deposit pools |
| Carbon data | Label snapshots, evidence packs, authorisation records | Pushing details to banks without authorisation |
Product principles
Single source of truth
Confirmations, choices, applications, snapshots, write-backs and fees live only here.
No duplicate carbon accounting
Labels draw on audited inventories and product footprints.
Suggestion is not decision
The platform suggests bands; rates and lending are the institution’s call.
Confirmation is not payment
Confirmation only records amount and maturity electronically.
Fees decoupled from financing
Carbon services are voluntary and never affect eligibility.
Configurable white label
Brand and label names can be localised; red lines cannot.
Agents need a human approver
Changing confirmations, freezing anchors or pushing to banks needs confirmation.
Data stays onshore
Detail stays on the platform by default; every authorisation is revocable.
Architecture · Seven capability layers
From onboarding to oversight, seven layers share one set of entities and carbon data.
It reuses MeetCarbon Cloud’s enterprise master data, supplier portal, organisational inventory, product carbon footprint and metering; this platform carries only green-finance facts.
01 / 07
Entities and onboarding
Anchor joint review, institution licences, verifier registry
Anchors, financial institutions and verifiers are onboarded before any confirmation or matching opens. Onboarding results and risk status carry through every later layer.
Core capabilities
How it works
Anchor joint review
Operations opens an onboarding request; confirmations start only after both the SASAC and finance reviewers approve. Government procurement and fiscal transfers are excluded.
Supplier identity reference
Reuses enterprise master data and supplier-portal profiles keyed by the unified social credit code, with no duplicate records.
Risk freeze
When an anchor shows arrears or operating risk, new confirmations are frozen while existing records stay traceable.
Data sources
Deliverables
Onboarding records, institution and verifier registry, risk-freeze log
Compliance gate matrix
Each policy maps to an auditable system control; disabling a red line is treated as a defect
| Control | Basis | System gate | Acceptance check |
|---|---|---|---|
| Supplier payment choice | State Council Decree No. 802 | Cash at maturity by default; non-cash options require supplier selection with time and user logged | Anchor accounts cannot force a confirmed record into notes |
| Payment-term cap | PBOC [2025] No. 77 | Supply-chain notes capped at 180 days; e-certificates over 180 days need bank review, 365 days max | Over-limit drafts cannot be confirmed |
| No financial business | PBOC [2025] No. 77 | No platform balance field; service fees billed separately from interest | No payment, proxy-payment or balance APIs |
| Real trade background | PBOC [2025] No. 77 | Contract, invoice and acceptance required before financing; duplicate invoices flagged | Missing acceptance keeps a record in “awaiting documents” |
| No hidden local-government debt | Local debt management rules | Anchors must be marked as operating, market-based payers and pass joint review; procurement and fiscal payables excluded | Excluded types cannot be saved |
| Fee rules | PBOC [2025] No. 77 | Fees and rates disclosed; no financing channel fees on suppliers | Supplier statements contain no channel-fee lines |
| Data compliance | Data Security Law · PIPL | Supplier authorisation before any push; revocation stops new pushes; onshore deployment | After revocation, new applications carry no carbon detail |
Three asset routes sharing one carbon layer and dashboard
Switching routes only affects the asset hub and institution integrations; entities, labels and statistics stay the same.
Connect to SHCPE supply-chain notes
Confirmed payables can be issued as supply-chain notes, with note numbers kept on record.
P0 flagging
Self-issued e-certificates with filing
The platform issues receivable e-certificates once self-regulatory filing and reporting are complete.
P2 optional, off by default
Joint operation with a filed platform
Keep existing assets and bank integrations; this platform adds carbon labels and pricing advice.
P0 recommended
Modules · Twelve capabilities
Eight hubs form the backbone; the product shelf and white label make it replicable.
Each module shows its delivery phase: P0 completes one full transaction, and P1–P2 add integrations, more product families and replication packs.
Entities and onboarding
Manage which anchors, suppliers, licensed institutions and verifiers can join.
Confirmation and asset hub
Turn operating payables into auditable confirmed assets.
Payment choice
The supplier holds the choice, and every choice can be reconstructed.
Matching and bank workbench
Push financeable assets, carbon evidence and suggested bands to the supplier’s chosen institution.
Green supply-chain carbon
Generate label snapshots from audited carbon results without duplicate accounting.
Carbon-linked pricing advice
Suggest discount bands by label tier for institutions to reference.
Statistics, disclosure and billing
Funded amounts count only institution write-backs; fees are disclosed separately.
Green-credit collaboration
Turn six green-credit pain points for banks into six services.
Data authorisation and oversight
Six data domains, ten government scenarios, every authorisation revocable.
Climate project module
Places with existing project and policy libraries can keep them and share master data.
Seven product families
Start with receivables, then add guarantees, orders, green assets and capital-market products.
White label and local add-ons
Localise the brand while the state machine and red lines stay unchanged.
Carbon-linked pricing · L1 to L5
Same anchor, same trade background, different prices by supplier carbon performance.
Labels reference audited carbon results and move up tier by tier; suggested bands are for institutions’ reference and the final rate is set by the institution.
- Criteria
- Prior-year Scope 1 and 2; Scope 3 purchasing and logistics at least reported
- Evidence
- Audited organisational inventory report
- Validity
- 12 months
Suggested discount
5–10 bp
Illustrative rate
3.725%
Illustrative base of 3.80%, using the midpoint of each range
Carbon savings statement
Example: RMB 10 million confirmed, 6-month tenor
Discount at this tier (estimate)
3,750 RMB
Extra saving at next tier (estimate) · L3
+6,250 RMB
Drops one tier if not re-assessed on expiry
Estimates are not commitments
- Move up once criteria are met; drop one tier if not re-assessed on expiry
- At least 10% of L2+ labels spot-checked each year
- False material means revocation and no re-assessment for 12 months
- Operators may not issue L3+ verification conclusions
- Label criteria are published in full to suppliers
Ranges are configurable defaults for institutions, anchors and guarantors; changes must be published with a version number and do not constitute a rate commitment.
Workflow · How one transaction runs
From three documents to institution write-back, every step stays on the same ledger.
Supplier, institution and risk paths unfold separately; confirmation status only advances on real actions.
- 1Supplier
Accept invitation and verify
Join the supplier portal through the anchor’s invitation.
- 2Anchor · Supplier
Confirmation
The anchor gathers contract, invoice and acceptance; the supplier confirms amount and maturity.
- 3Platform
Label snapshot
An L1 snapshot is generated with guidance on what L2 requires.
- 4Supplier
Choose payment method
Cash at maturity by default; early financing is selected voluntarily and logged.
- 5Supplier · Institution
Authorise and apply
After online authorisation, the application and suggested band go to the institution inbox.
- 6Institution
Approve and write back
The institution decides under its own rules and writes back funded amount and actual band.
- 7Anchor · Institution
Settlement at maturity
Anchor and institution settle; the platform records the written-back date and updates statistics and grading.
Confirmation status
- DraftCreated by anchor
- Awaiting documentsMissing the three documents
- ConfirmedDocuments complete, term valid, both parties agree
- FinanceableSupplier chose early financing
- FinancedInstitution write-back only
- SettledSettlement date written back
“Financed” can only be triggered by an institution write-back; operators cannot bulk-mark it.
Product shelf · Seven families
Start with receivables, then cover guarantees, orders, green assets and capital markets.
In every family the platform handles scenario, authenticity, trade background, carbon evidence, matching and statistics; licensed institutions provide the products and funds.
Receivables
Carbon link
Discount / factoring bands
Guarantees
Bid bonds · Performance bonds · Advance-payment bonds · Warranty bonds · Migrant-wage bonds
Fee rate and deposit ratio
Orders and prepayments
Order financing · Material-purchase loans
Rate suggestion
Inventory
Inventory pledge · Electronic warehouse receipts
Green category overlay
Green assets
Retrofit loans · Equipment leasing · Allowance pledges · Income rights
Up to L5 after metering
Sustainability-linked
Sustainability-linked loans · Transition loans · Reduction facility · Green bills
Repricing on target achievement
Capital markets and insurance
Supply-chain ABS · Credit insurance · Green supply-chain insurance
Share of green assets
Bundles, compared side by side with no ranking fees
E-certificates may not be issued against prepayments; order financing uses bank credit products, not e-certificate confirmation.
Value · One ledger, four readings
Government sees results, anchors pass assessments, suppliers save costs, banks hit targets.
Dashboard metrics add up only real write-backs; intended signings are shown separately.
View by role
Core need
A verifiable green-finance ledger showing policy resources became real financing and reductions.
Where to start
Upgrade an existing climate investment or green-finance service platform by adding transactions and assets.
Platform combination
Read-only dashboards + ten data scenarios + split statistics + white label
Verifiable results
- Confirmed, funded and discount figures in separate columns
- SOE payment-term and arrears monitoring
- Regional carbon data and industry-chain maps
Drag to compare: before and after
Traditional project-library model
- Listings and signings happen off-platform
- Banks receive a description of financing needs
- Every supplier on a chain gets the same price
- Carbon data filed yearly, unusable per transaction
- Fiscally dependent and hard to replicate
MeetCarbon Green Finance
- Real payables confirmed on-platform and traceable
- Banks receive trade and carbon evidence packs
- Prices tiered by supplier carbon performance
- Label snapshots accompany every application
- Volume-based, disclosed fees that replicate to districts
Business model · Revenue follows volume
Anchors and institutions pay; suppliers are net beneficiaries.
Fees and rates are publicly disclosed, service fees are invoiced separately from interest, and the platform takes no share of spreads.
| Code | Fee item | Payer | Basis |
|---|---|---|---|
| F1 | Onboarding and annual service fee | Anchor enterprise | Annual |
| F2 | Technology service fee | Banks and institutions | Tiered by funded amount |
| F2a | Green-credit collaboration fee | Banks | Per service |
| F3 | Carbon label and carbon services | Suppliers voluntarily, or anchors / banks on their behalf | Per service |
| F4 | Data and dashboard subscription | Institutions (aggregates only) | Annual subscription |
| F5 | Government service procurement | Local government | Per contract |
| F6 | Replication | Owners in other regions | Per project |
| F7 | Data product revenue | Authorised users | Shared back to authorising firms as agreed |
No financing channel fees are ever charged to suppliers, and the platform takes no cut of verification fees.
Illustrative revenue structure
Assuming 60% of payables are confirmed on the platform, revenue comes mainly from anchor service fees and institution technology fees.
- Annual confirmable payables
- RMB 5 bn
- Confirmed on platform
- RMB 3 bn
- Financing funded
- RMB 1.2 bn
- Annual revenue ≈
- RMB 0.00 m
Illustrative only, excluding government procurement and replication; formal quotes follow the project confirmation.
Roadmap · 24 months
Complete one full transaction first, then open integrations, product families and replication.
The timeline starts from the month the plan is confirmed and can shift as a whole.
- 1
- 2
- 3
Launch conditions
Any three of the following are enough to launch P0; pilot status, a local carbon market or an existing SCF platform accelerate it.
Engagement · Three paths
Three kinds of owners, three ways to start, one standard product.
Where several conditions exist, the joint-operation path can deliver the first transaction while a pilot dashboard runs in parallel.
Pilot upgrade
- For
- Operators of climate investment or green-finance service platforms
- Starting configuration
- Keep the project library; two-column government dashboard
- What it solves
- Adds transactions and assets on top of the project library, with results verifiable by funded amount
Anchor-led build
- For
- Municipal and district platform companies, industrial groups
- Starting configuration
- Confirmation, payment choice, manual bank workbench
- What it solves
- Arrears records, supplier choice and green grading material in one go
Carbon overlay
- For
- Existing supply-chain finance platforms
- Starting configuration
- Joint-operation route focused on carbon labels and pricing advice
- What it solves
- Adds carbon-linked pricing without replacing existing assets or bank integrations
White label and local add-ons
Brand, logo and label names can be localised while the standard product and red lines stay the same.
Platform boundary
The platform does
- Entity onboarding and joint review
- Operating payable confirmation and trade documents
- Payment-choice audit trail
- Carbon label snapshots and suggested bands
- Institution matching and write-back statistics
- Green-credit collaboration material
- Fee disclosure and data authorisation
The platform does not
- Lend, guarantee or issue bonds
- Collect or pay on behalf, pool funds or share spreads
- Replace bank credit decisions or final pricing
- Let anchors force non-cash payment in bulk
- Issue e-certificates on prepayments or confirm fiscal transfers
- Admit unlicensed funders
- Let operators issue verification conclusions
Get started
Make a supplier’s carbon performance the price of its next financing.
Local governments, state-owned and central enterprises, banks and licensed institutions are welcome to talk with MeetCarbon about launch conditions and asset routes.
- 1Choose the asset route
- 2One anchor and two banks
- 3Publish fees and label benefits
- 4Launch the tenant and first deal
MeetCarbon (Wuhan) Carbon Technology Co., Ltd.