Green Finance: Fintech Platforms Driving Sustainable Projects

The ecological transition requires agile and transparent capital. Green investment fintech platforms (crowdlending, crowdequity, tokenized bonds) channel small and medium-sized tickets into solar, wind, energy efficiency, or reforestation projects, democratizing a market that the EU aims to mobilize with €1 trillion by 2030 through the European Green Deal.

1. Why Are Green Fintechs Emerging?

In a context of growing climate awareness and regulatory pressure, green fintechs are emerging in response to a new generation of investors who prioritize environmental and social impact. These platforms not only facilitate access to sustainable financing but also meet the need for transparency, traceability, and alignment with ESG (Environmental, Social, and Governance) criteria demanded by today’s market.

• 65% of millennials prioritize impact investments, according to Green Fintech 2025.
• The new EU taxonomy and ESG reporting requirements are driving demand for verifiable metrics.
• The “green premium” in crowdfunding: sustainable projects are overfunded by an average of 18% compared to conventional ones.

2. Leading Platforms in the Iberian and European Markets

Europe’s green fintech ecosystem is rapidly expanding, with specialized platforms offering innovative collective financing models. From crowdequity to tokenized green bonds, these solutions allow citizens and investors to actively participate in the energy transition, supporting tangible projects with measurable impact.

3. Benefits for SMEs and Rural Areas

Green investment platforms not only democratize access to capital but also open new opportunities for SMEs and rural areas. By connecting sustainable projects with committed investors, they promote local development, diversify funding sources, and enhance the visibility of initiatives with high environmental and social value.

• Access to capital beyond traditional banking.
• Portfolio diversification for retail investors with controlled risk.
• Impact traceability: CO₂ dashboards, green kWh, trees planted.
• Green marketing: funders become brand ambassadors.

4. Challenges to Consider

Despite their transformative potential, green fintechs face key challenges that must be addressed to ensure their sustainability and scalability. Financial regulation, technological security, and investor education are fundamental pillars for building a robust, trustworthy ecosystem aligned with global climate goals.

• Regulatory framework: MiFID-II and Law 18/2022 on business creation and scaling require risk disclosure.
• Technological risk: cybersecurity and custody of crypto-assets if debt is tokenized.
• Financial education: understanding timelines, returns, and project ratings.

5. How to Launch Your Sustainable Project

Launching a sustainable project through a fintech platform requires strategic and technical preparation. From validation under the EU taxonomy to selecting the right financing model, each step is key to attracting investors, maximizing impact, and ensuring long-term viability.

• Validate eligibility under EU taxonomy (energy, circular economy, water, etc.).
• Prepare technical documentation (PPA, licenses, environmental report).
• Select the platform based on average ticket, duration, and type (equity vs. lending).
• Design an investor communication plan with impact metrics.

6. DIGIS3 Support

To facilitate technological transition, initiatives like DIGIS3 offer comprehensive support to SMEs. This section outlines some of the resources available to any company.

• Free digital maturity assessment.
• “Test before invest” laboratory.
• Basic and advanced training.
• Financing advisory.

Contact info@digis3.eu to modernize your workshop and keep your machines running at full capacity.