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@ Sababa
2025-05-09 09:20:28My last article, I wrote about DePIN, a passive income that is easily accessible and something to consider as supplemental income. This week I want to discuss another form of finance. Let’s face it: when most of us hear the word “finance”, our eyes glaze over faster than a donut in a Krispy Kreme factory.
It conjures images of Wall Street suits, casino type crypto scams, and incomprehensible jargon. What if I told you that finance could be regenerative? Could your money heal the world?
Regenerative Finance is what I’m discussing; ReFi if you want to sound cool. Regenerative finance is a movement that’s quietly transforming how we think about money, investment and our collective future. Let’s dive down the rabbit hole and take a journey into a world where your money can make things better.
You’re at a party and someone asks what you do for a living. You say, “I work in sustainable finance.” Boring to most, they politely nod. But what if you said, “I work in regenerative finance. We invest in projects that restore rainforests, rebuild communities and make money while healing the planet.” How interesting, right?
What is sustainable? It is about not making things worse, just sustaining them. On the other hand, regenerative finance restores, renews and improves systems, making sure things are better when you leave than when you arrived.
Regeneration systems imagine every dollar invested helps a forest grow, a community thrive or a river run clear again. Remember sustainability is about keeping things as they are. Regeneration is about making things better.
Here’s a real-world example: The Savory Institute works with ranchers to restore grasslands using holistic grazing. Investors in their projects don’t just avoid harm, they rebuild the soil, increase biodiversity, and capture carbon. That’s money making a difference.
Regenerative finance asks, “How will the investment affect people, planet and profit, not just today, but decades from now?” Another real-world example, Ecosia, the search engine that plants trees, invests profits into reforestation projects worldwide. Their financial model considers long term ecological health, not just quarterly returns.
ReFi isn’t about faceless corporations. It’s about empowering local communities and restoring ecosystems. Think of it as crowdfunding Mother Earth.
How does all this magic happen? Here are a few ways to invest.
IMPACT INVESTING As examples from above, this is where you put your money into projects that actively restore ecosystems, empower communities or fight climate change. FUNDING BONDS These are bonds issued on blockchain platforms to fund sustainable projects. They are managed by smart contracts and investors get digital tokens representing their share. Think about this as an early adopter.
TOKENIZATION This is taking real-world assets and turning them into digital tokens. Think carbon credits. There’s no Wall Street middleman which makes it easier to track, invest and trade in regenerative projects. You can have fractional ownership with tokenization which means easier access to more assets.
Real estate has moved into fractional ownership using tokenization. The threshold to invest has lowered immensely with this practice.
The world is facing some big problems with climate change, inequality, biodiversity loss and I could go on. Traditional finance hasn’t exactly been successful. Regenerative finance offers a new way forward.
By focusing on restoring rather than just sustaining, we create resilient, equitable and thriving systems for future generations. As someone who is 64 years old, I was taught to leave the world better than you found it.
There has been much speculation over the years about the next evolution of the internet and business. How will we adapt? What will financial systems look like?
Let’s look at some projects that are already making a difference: Eden Reforestation Project Employs local communities to plant millions of trees, restoring ecosystems and creating jobs.
Kiva Community lending to entrepreneurs in developing countries, empowering them out of poverty.
Mosaic Solar projects, investing, earning returns while helping the planet.
KlimaDAO This DAO uses blockchain to buy and retire carbon credits, driving up the price of pollution and funding climate action.
Look for reputable ReFi projects or platforms that align with your values. Many platforms have low minimum investment thresholds making it easier for anyone to participate.
You don’t need to be a billionaire or a blockchain wizard to get involved in the regenerative finance revolution. Individuals can invest in ReFi initiatives through several accessible pathways, any of which leverage new technologies and community-driven models to make participation easier and more transparent.
Regenerative finance changes the way you think about money, value and your place in the world. Putting your dollars to work for people and planet, you can be a part of building a thriving future.
Regenerative finance addresses the shortcomings of traditional finance which often prioritizes short term profit over long term environmental and social costs. The core idea behind ReFi is that financial systems should restore, and grow society’s economic, social and environmental systems.
Regenerative finance represents a transformative shift in how capital is allocated and managed. By integrating advanced technology, community participation, and a focus on ecological and social renewal, ReFi seeks to build a financial system that not only generates returns but also restores and strengthens the foundations of a sustainable and healthy future.
As the world moves forward in different ways of finance and business, I hope this information was useful for you. The different monetary systems and financial markets are growing. ReFi is an alternative finance system becoming a movement. If you are interested in other financial systems or know of any, please let me know. Thank you for reading. Be fabulous, Sandra Abrams Onboard60 Founder