Impacts

We admire people who innovate, collaborate, and believe in a positive climate difference.

That’s why we created Optivide, a gamified personal finance App that supports people with AI-powered financial planning.

At Optivide, we believe that climate action is an option. An option that allows us to make our future decisions.

By integrating finance into our users’ climate action, we aspire to make everyone, anywhere, take climate action with greater financial confidence.

Finance is powerful; nonetheless, it is imperfect. People don’t always act based on monetary benefits. Understanding the limitations and problems of capital markets helps us make better decisions. To encourage stakeholders' engagement, Optivide is proud to apply for an aspiring social enterprise mark that prevents wealth inequality due to over-competition. 51% of annual profits will be committed to strengthening the global net-zero ecosystem.

Almost all human activities produce greenhouse gas(GHG) emissions. Traditionally, it is straightforward to reduce GHG emissions with individual capped emissions. According to where you live, each person will have a different annual emission quota to use. Theoretically, it may work; however, it destroys the mechanism of our global capital market.

Let's say each person is given a 10tCO2e emissions quota to live their life this year.

For GenZ people who work hard to buy themselves a new electric car to support the net-zero transition movement, she could not since the average GHG emissions of new electric cars are 10-50tCO2e.

For mid-career professionals preparing to buy a new 2-bed cottage she cannot because the average new 2-bed cottage is around 80tCO2e.

For a vegan person who had a public transportation accident and needs emergency surgery to save his life, he cannot since the doctor discovered that he already used 8tCO2e and the major surgery will emit 4tCO2e.

The scenario above does not consider entertainment such as sports, arts, music, dance, and travel. People are bounded rationality; if hard-earned money cannot provide us an option to live better with our personal preference, we are discouraged, which will not make our world better in the long term.

Without "Net", zero-emission is impossible. Voluntary carbon credits backed by the global capital market can foster a net-zero transition and make the "Net" zero happen. The market is not currently perfect; however, it is evolving in a better direction with different stakeholders' engagement. It increases our chance of solving the climate problem with the power of finance and benefits people in the long term.

The Capital market works efficiently and effectively in allocating resources within the current system. When we we are trying to solve new problems with new solutions, our capital market encourages competition between traditional solutions and innovative solutions. Often, it works.

However, when problems are excluded from our previous system with the rising global population, the fixed monetary circular supply will limit our potential to solve them. We need inflation in our capital market to increase our net-zero success rate with more climate solutions.

Inflation itself is not bad. It is only bad if everything stays constant except for the overall rising price of products and services. In reality, it is impossible to hold everything constant, and our quality of life is not necessarily negatively affected. The competition within our capital market will encourage efficiency and effectiveness in our society. If everything is changing, the overall rising price of products and services is just a phenomenon, not a real problem.

“Systematic thinking x Innovation=Hope.” Innovation itself, with inflation, will not live long without support from consumers, investors, and regulators. They all come down to individuals. Each person has different identities in various situations that contribute to a potential climate-positive future. At Optivide, we believe that climate action is an option. An option that would create our future. With solid financial planning, responsible consumption, crowd investing, and civil policy participation, we, as individuals, can make systematic change.