Jochen Biedermann

Melanin Kapital Neobank is the 1st Carbon Bank providing access to finance digitally to African SMEs from the green economy. We focus on the following sectors: sustainable agriculture, electric mobility, renewable energy and waste management. 40% of SMEs in Africa citing access to finance as a main growth barrier. Our digital carbon bank enables African businesses to aggregate their emissions data, finance carbon reduction projects, and monetize their CO₂ savings. We leverage APIs, IoT devices, and satellite data to measure carbon performance, ensure transparency, and reward sustainable business practices. Since 2024, we have provided $1M of loans to agriculture and clean technology businesses across Kenya, Tanzania, Uganda, Nigeria, Ghana, Senegal, Ivory Coast and Zambia. We offer 3 main products to African businesses: 1) Carbon-based lending: Unlock credit for your carbon reduction activities with our receivable-backed loans — rates as low as 15.5% per annum, no additional collateral required, & flexible terms from 6 to 36 months. 2) Carbon off-taking: Monetize your carbon reduction activities by selling verified carbon credits to Melanin Kapital under a pre-agreed pricing framework. 3) Carbon credit certification: With our streamlined digital MRV system, we ensure fast, transparent certification of carbon units — completed in 10 business days.