Stage 1 · 0–90 days
Vendor portal + applicant journey
- Replace 123FormBuilder with first-party application engine
- Replace legacy partner portal with vendor OS (KYB, dashboard, commission ledger)
- First-party identity, mobile and address verification at form time
- Embeddable POS widget (closed beta with top 10 vendors)
Stage 2 · 3–12 months
Backend replacement + AI underwriting
- Decommission Credit Sense iframe — first-party bank-statement ML
- Existing CRM retained as system-of-record; orchestration moves to Terminal Carbon
- CDR (Open Banking) accreditation completed
- Carbon impact ledger live for borrowers and vendors
- Wholesale funding API with first warehouse partner
Stage X · 12–24 months
Marketplace + materials provenance
- Green marketplace launch with reverse auctions
- Embedded insurance (install cover, warranty, payment protection)
- On-chain provenance for sustainable materials (QR + attestation)
- ESG bond issuance using aggregated impact data
Materials provenance · Stage X
QR-tagged sustainability — verified on-chain.
Greenwashing is the largest reputational risk in green construction finance. Stage X attaches origin attestation to every funded project — from FSC-certified timber to recycled steel to panel batch numbers.
- Lender certainty: the loan funded what was promised
- Homeowner resale uplift: provenance increases sale value
- Insurance discounts via verified install certifications
- Aggregate impact data eligible for ESG bond issuance
Sample attestation
Tesla Powerwall 3 · Batch PW3-AU-08221
{
"asset": "powerwall-3",
"serial": "TPW3-AU-08221",
"manufactured": "2025-09-12",
"origin": "Lathrop, CA, USA",
"carbon_intensity_kgco2_kwh": 0.041,
"warranty_years": 10,
"attestation_chain": "polygon",
"tx": "0x9f3a…d12c"
}View on explorer