RealWorld.fi Prototype Lab

Living Collateral

The first loan that listens to a satellite. Carbon-credit-backed lending where the interest rate breathes with the asset.

Banks are starting to accept satellite-verified carbon credit tokens as loan collateral. But the credits aren't static. Digital MRV (dMRV) satellites re-score the underlying project every cycle. A wildfire near a reforestation site moves the rating, and so does a verified growth milestone months later. In the emerging model, a smart contract reads that rating on-chain and re-prices the loan automatically. No manual re-underwriting. No 30-day review cycle. Adjust the parameters below and watch the mechanism run live.
Carbon Project Type
Live Smart Contract Simulation
Streaming dMRV updates
Quality Score
91
satellite-verified
Dynamic Rate (APR)
6.20%
baseline
Loan Amount
$275,000
at current LTV
Smart Contract Event Log
Two Ways to Lend Against the Same Asset
Legacy Model

Static-Rate Carbon Loan

Rate is fixed at origination. Quality drift stays invisible to the lender until the next manual review, often 6 to 12 months later.
Rate re-pricingManual, quarterly+
Reaction to quality dropDelayed / none
Reaction to quality gainNo borrower benefit
Under-collateralization riskCarried by lender
RealWorld Model

Dynamic Carbon-Rate Engine

Rate is a function of live dMRV data. The smart contract adjusts automatically. It protects the lender and rewards borrowers who hold high-quality credits.
Rate re-pricingReal-time, on-chain
Reaction to quality dropRate rises instantly
Reaction to quality gainRate falls instantly
Under-collateralization riskPriced continuously