Top Climate Fintech Startups in the United States

Introduction

Climate fintech is changing how the finance world deals with climate change. It brings together finance, new tools, and good ways to care for the environment. New companies in this area make tools for tracking carbon, ESG data, and handling climate risks. As worries about the climate grow, the finance industry has to change. Fintech tools help people meet new rules and needs from the environment.

This article talks about the top climate fintech startups in the U.S. that are helping move the whole world toward better, greener finance. These companies are changing how things work in the market, and they are giving people the tools they need to focus on ESG, data, and real steps for being more earth-friendly.

Top Climate Fintech Startups Leading the Green Finance Shift

In the last few years, there have been more climate fintech startups in the U.S. These companies use new tools like AI, machine learning, and blockchain with money services to help with problems in the environment. You will see their ideas working in many fields. Some of these are carbon accounting, ESG analytics, and emissions tracking.

This growth shows how they help move money to climate solutions and give businesses what they need to reach their sustainability goals. They also help create real change. Below are 10 climate fintech startups making a big impact today.

1. Patch: Empowering Carbon Offsetting for Businesses

Patch is a climate fintech business that helps other companies lower their emissions with simple online tools. It gives businesses a way to get verified carbon credits by using carbon markets. This lets them be a part of real actions to help the environment.

The platform gives you analytics, so you can track emissions cuts in a simple way. Patch makes the carbon credit process easy to use. It helps keep things open and lets you put this work into your business.

Patch helps groups join the fight for the climate by offering real carbon offsetting. The company has a strong focus on sustainability. It works to move carbon markets forward. Patch also helps other companies reach their goals to cut down on carbon.

2. Persefoni: Automated Carbon Accounting Solutions

Persefoni has made carbon accounting software that works on its own for large companies. The platform helps the user see and look at climate risks in great detail. Companies can use it to track, handle, and share their emissions numbers. It also lets people bring in ESG data without any trouble.

Artificial intelligence helps companies make quick calculations about emissions. This lets them see climate risks and make sure they follow the rules. The system is clear, so people can use it to make good choices and plan for climate changes before they happen.

Trusted by global businesses, Persefoni brings together money knowledge and caring for the environment. The company helps people make smart choices to cut down carbon in a big way.

3. Aspiration: Sustainable Banking and Green Investments

Aspiration is a fintech firm that gives people ways to do green banking. You can also get carbon credits with them. People get rewards when they make spending and investment choices that help the environment.

The platform lets people match their money habits with green goals. It gives tools to track the carbon made by what you buy. When you invest on this platform, it helps things like clean energy and caring for the planet.

Aspiration helps people link their own money choices to caring for the planet. It gives people the power to join in as the world moves to clean energy.

4. Cloverly: API-Driven Carbon Credits Marketplace

Cloverly gives people and businesses a way to add carbon credit buying straight into their own setups with simple APIs. The marketplace from Cloverly helps make it easy for anyone, including companies and people, to lower their emissions and do carbon offsetting.

The service comes with tools that help you track emissions in a way that fits your needs. You also get help to find trusted credit providers. Cloverly helps you bring in sustainability in your work in a fast and simple way that can grow as you need it to.

By using APIs, Cloverly makes it easier for people and companies to get carbon credits. This helps them see everything they do more clearly and reach their environmental goals in a better way.

5. Watershed: End-to-End Climate Data and Reporting

Watershed gives you climate information and tools that help you track ESG goals and plan for corporate sustainability. Its platform brings together important environmental data. This helps you get clear climate ideas you can use.

Businesses can look at their own emissions and use steps to cut them down. The system helps to give the right reports so they match with ESG frameworks. It also helps to start real climate action.

Watershed gives solutions made for different types of industries. The team helps companies make and reach clear sustainability goals in all their work around the world.

6. Doconomy: Impact Measurement for Financial Transactions

Doconomy gives companies tools that help them measure things like how they affect plants and animals, how much carbon they make, and what impact people’s spending has on the earth. Its tools show how our money habits shape a greener way of living.

Top banks use Doconomy’s products, like the 2030 Carbon Calculator, to match their work with world climate goals. These tools help people and companies use real data to be more careful with the environment.

Doconomy is changing the way the world sees money. The company puts caring for the environment first. It sets new rules for how things should be done when it comes to the earth and money. This helps people and businesses who want to be more eco-friendly. Doconomy shows that we can look at money in a new way and do good for the earth at the same time.

7. Inyova: Personalized Impact Investing

Inyova gives you an investment app that lets you choose your own portfolio to match your goals for a better world. The app uses an algorithm to pick different assets. It focuses on clean energy, care for the environment, and fair treatment for everyone.

The app helps people get more involved in impact investing. It does this by giving clear information about each user’s investment. Each person can also match their choices to what matters to them. Inyova’s model helps people make better money decisions with these tools.

Inyova brings together climate fintech and what customers want. The company is a leader in new ideas for sustainable investing. Inyova also helps responsible businesses grow all over the world.

8. Joro: Track and Reduce Personal Carbon Footprint

Joro’s mobile app helps people work out and lower their carbon footprints. The app focuses on climate tech teamwork and brings together a community. This way, people can make real changes together.

Educational tools and clear data help people see how the things they buy affect the environment. The platform helps users change what they do by giving them tips they can use.

Joro brings together digital tools and a focus on climate. The company helps people use their daily actions to meet global goals for sustainability.

9. CarbonChain: Supply Chain Emissions Management

CarbonChain helps track emissions in supply chains by using machine learning. The platform is for high-emission businesses like farming and making things.

The company gives businesses up-to-date information about emission hotspots. This helps them see where the problems are. They can find things that are not working well and fix them. By using advanced analytics, businesses can also meet their decarbonization targets.

With tools that can be used by many and work on their own, CarbonChain gives you data that is always right and the same each time. This helps make cleaner products and build supply chains that can last all around the world.

10. Plan A: AI-Powered ESG Reporting and Decarbonization

Plan A uses AI to make ESG scoring better and help companies cut carbon faster. The platform helps people in many industries all over the world. It helps them set up strong reporting systems and lower their emissions.

Plan A is designed to grow with your needs. It has tracking tools that cover all the important areas, so you can see everything clearly. This helps you and your team keep an eye on your climate goals in the best way.

Its AI-powered insights help make ESG work faster and better. This helps people take charge and move forward in sustainable finance.

Final Thoughts on Climate Fintech Startups

The rise of climate fintech startups is a key step in bringing together money matters and care for the environment. These new companies use tools like machine learning and AI to deal with climate dangers. They also make the market more stable for people and the planet.

By using ESG data, carbon accounting, and verified carbon credits, these companies help with key tools for action on climate issues. As more people learn about sustainable finance, these startups will keep making a future where people put money into things that help both the planet and the economy in the long run.

Frequently Asked Questions

What is climate fintech and why is it important for the finance industry?

Climate fintech is where money and new tech meet to help the environment. It brings in fresh tools that help guide money toward green projects. This also helps make climate-related investments more open and clear for people and businesses.

How do climate fintech startups help companies lower their carbon footprint?

These startups give tools to help track, check, and cut down emissions. With the use of data, ESG tools, and ways to get carbon credits, companies can see their impact on the world. This helps them make better choices to be more eco-friendly.

What are the main challenges faced by climate fintech startups in the U.S.?

Startups in the U.S. have to deal with many rules, trouble getting money, and tough rivals, and it can be hard to get new customers. They need to make some money and still protect the environment, and this is a big problem. On top of that, these companies work hard on new tech that works for many people, but this is not easy.

How can individuals or businesses get started with climate fintech solutions?

To get started, people or companies can look for the right platforms that fit their needs. Next, they should set clear goals for the environment that they want to reach. They can also work with others or put money into services that focus on climate and fintech. When you use these tools, you can help the environment and also improve how your money works for you.

Written by Michelle Chen Updated July 16, 2025 by Albert Fang