refinq
refinq provides an asset-level climate and nature risk analytics platform that scores individual locations for physical hazards under IPCC scenarios, then links exposure to financial impact and adaptation measures. The platform serves banks and corporates across Europe, converting loan book addresses or site lists into audit-ready risk data for regulatory frameworks including EBA, CSRD, EU Taxonomy, and SFDR. It processes over 2.5 billion data points using machine learning and geospatial analysis.
- Data & Analytics
- Regulatory & Compliance Technology
- Clean Technology
- Financial Technology
- Artificial Intelligence
- Software Only
- Enterprise Software
Funding
Funding not disclosed
Founders
Founder details are not available yet.
Product
Problem
Banks and corporates face growing regulatory pressure to assess and disclose climate and nature-related risks, yet traditional approaches rely on sector-level proxies or manual assessments that lack the granularity supervisors require. Existing tools often fail to connect physical location data to financial impact, leaving institutions unable to meet EBA, CSRD, EU Taxonomy, and other disclosure requirements with confidence.
Solution
refinq provides an asset-level climate and nature risk analytics platform that scores each location for physical hazards under IPCC scenarios, then links exposure to financial impact and adaptation measures. Users upload site lists via CSV, Excel, or API, and the platform computes hazard scoring, nature screening, scenario projection, and financial translation—with every value carrying provenance for auditability. The platform serves multiple regulatory frameworks including EBA, Pillar 3 ESG, CSRD, EU Taxonomy, SFDR, and ICAAP from a single dataset. For banks, it converts loan book addresses into supervisory-grade risk data; for corporates, it delivers site-level risk assessments for operations and supply chains, including protected-area screening and satellite-based change detection.
Target Audience
Primary customers are banks and financial institutions needing supervisory-grade climate risk data for their loan books, as well as corporates requiring site-level risk assessments for operations, supply chains, and regulatory disclosures.
Features
- Address-level risk scoring with no sector proxies, providing the granularity supervisors and DNSH assessments assume
- Hazard scores under IPCC scenarios with horizons to 2100, covering physical climate and nature-related risks
- Machine learning and geospatial analysis processing over 2.5 billion data points from earth observation and climate models
- Protected-area screening, dependencies and impacts, and satellite-based change over time for nature risk assessment
- Site-specific adaptation measures prioritized by risk reduction potential
- Financial translation linking physical exposure to monetary impact for ICAAP, credit processes, and disclosures
- Data provenance tracking for every value, supporting audit-ready reporting across EBA, Pillar 3 ESG, CSRD/ESRS, EU Taxonomy DNSH, and SFDR
- Web-based platform with CSV, Excel, or API upload; coordinates and asset type are sufficient to begin assessment