Yayzy
Yayzy is a London-based fintech offering a carbon footprint tracking app for consumers and white-label APIs for banks and fintechs, calculating emissions from bank transactions via Open Banking and enabling purchase of certified offset projects.
- Company typePrivate
- Founded2019
- HeadquartersLondon, United Kingdom
- Headcount11–50
- GTM typeB2B and B2C
- OfferingSoftware
What Yayzy does
Yayzy is a London-based fintech founded in 2019 that provides a carbon footprint tracking and offsetting platform through both a direct-to-consumer mobile app and a B2B white-label API for banks and fintechs. The company operates a dual go-to-market motion: for consumers, it offers a free iOS and Android app (Yayzy Footprint Calculator) that automatically calculates personal carbon footprint by linking bank accounts via Open Banking integrations (TrueLayer in the UK, Plaid in North America, SaltEdge across Europe); for enterprises, it sells plug-and-play APIs and SDKs that banks and fintechs can embed into their own mobile applications in days rather than months.
The company's underlying technology is a proprietary carbon footprint algorithm that granularly categorizes financial transactions and matches them against GHG emission intensity factors sourced from VitalMetrics' Comprehensive Environmental Data Archive (CEDA), UK Government carbon footprint guidelines, and UN ICAO data, with methodology guidance from Dr. Sangwon Suh (Chief Scientist at VitalMetrics). The platform also includes a one-to-five sustainability rating system covering 27 criteria and 55 certifications across carbon, governance, sustainability, and procurement pillars, plus a marketplace of certified offset projects (Eden Reforestation, Musi Hydro Power, Peruvian Amazon Forest Protection, agricultural carbon storage, and cardamom forest conservation).
Yayzy monetizes through three streams: a small per-kg fee on carbon offset transactions (£0.00125–0.0015 per kg, with offsets processed via Stripe), monthly subscription tiers (Climate Supporter at 880kg CO2e, Climate Champion at 1.76 tonnes, Climate Hero at 4.4 tonnes of CO2e per month), and enterprise B2B API/SDK licensing with undisclosed pricing. The company is backed by Antler (early-stage VC), Seedrs (crowdfunding), YouWeb, Pario Ventures, and Teal Impact, has received UK Government Global Entrepreneurship Programme support, participated in the London Business School Incubator Programme (2020/2021), and operates with FCA registration (923191) and ICO data protection registration (ZA658008). To date, total disclosed funding is approximately $1.82M across three rounds between November 2019 and June 2021, and no revenue figures have been publicly disclosed.
Yayzy firmographics
Firmographics- Name
- Yayzy
- Legal name
- Yayzy Limited
- Website
- https://yayzy.com
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Yayzy is a London-based fintech offering a carbon footprint tracking app for consumers and white-label APIs for banks and fintechs, calculating emissions from bank transactions via Open Banking and enabling purchase of certified offset projects.
- Ownership category
- akta.pro rank
Yayzy industry classification
Industry- Product category
- Climate Fintech Software / Carbon Tracking APIs
- NAICS
- Computer Systems Design and Related Services (54151)
- akta.pro primary industry
- ESG/Sustainability Reporting & Disclosure Platforms (EUABAEAB)
- akta.pro secondary industries
- Benchmarking, Ratings & Stakeholder Reporting Portals (Scorecards, Dashboards) (EUABAEAJ), Enterprise Carbon Accounting & GHG Inventory Platforms (EUABAEAA), Supply Chain (Scope 3) Emissions & Supplier Engagement Platforms (EUABAEAE), Carbon Credit/REC Tracking, Claims & Chain-of-Custody Platforms (EUABAEAH)
Keywords
Where Yayzy is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Yayzy business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Infrastructure, Marketing or Sales, Operations, Supply Chain
Revenue model
- Carbon Offset Transaction Fees: Yayzy takes a small fee of £0.00125-0.0015 per 1kg of carbon offsets sold. For example, offsetting 1,000kg costs approximately £1.25-1.50 in fees. Fees are reinvested in development of climate technology.
- Subscription Plans (Climate Neutral/Champion/Hero): Monthly subscription tiers priced cheaper than single offsets. Climate Supporter: offset 880kg CO2e, Climate Champion: offset 1.76 tonnes CO2e, Climate Hero: offset 4.4 tonnes CO2e. Subscriptions can be paused, changed, or cancelled anytime.
- B2B API/SDK Licensing: Revenue from providing white-label climate impact solutions to banks and FinTechs through API access and SDK integration. Enterprise clients can access plug-and-play APIs for rapid implementation.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Free App - Carbon footprint tracking |
| Subscription | Monthly | Climate Supporter - 880kg CO2e offset |
| Subscription | Monthly | Climate Champion - 1.76 tonnes CO2e offset |
| Subscription | Monthly | Climate Hero - 4.4 tonnes CO2e offset |
| Unit Pricing | Pay-as-you-go | Carbon Offset Transaction Fee |
| Subscription | Annual | B2B API Access |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels7 records
Yayzy product offering
Product offeringCore offering
Yayzy provides a climate impact platform combining a proprietary carbon footprint algorithm with Open Banking connectivity to estimate the greenhouse gas emissions of each financial transaction in real time. It sells two commercial offerings: a free consumer mobile app with subscription-based offset purchases, and white-label B2B APIs/SDKs that banks and fintechs embed into their own apps to enable carbon tracking, offsetting, and sustainability ratings for their end users.
Product overview
Yayzy offers a climate impact platform centered on its core Yayzy App for consumers and Yayzy API for enterprise clients. The platform combines automatic carbon footprint tracking via bank transaction analysis with a marketplace of certified carbon offset projects. For banks and fintechs, Yayzy provides a white-label B2B solution with plug-and-play APIs that integrate carbon tracking, offsetting, and sustainability ratings. The ecosystem includes subscription plans for automated offsetting, a sustainability rating system for retailers, and partnerships with leading AIS providers (TrueLayer, Plaid, SaltEdge) for global bank connectivity.
Differentiator
Problem solved
Functional benefit
Products and services
- Yayzy App Free mobile application for iOS and Android that links bank accounts via Open Banking, automatically calculates the user's carbon footprint per purchase, presents sustainability insights and equivalences, and offers certified carbon offset purchases and monthly offset subscriptions for individual consumers.
- Yayzy API Plug-and-play APIs and SDKs that enable banks, fintechs, and other enterprises to embed automatic carbon footprint calculation, sustainability ratings, and certified carbon offsetting into their own mobile applications, with implementation in days rather than months.
- Carbon Offsetting Projects Marketplace Portfolio of certified carbon offset projects including renewable energy (e.g., Musi Hydro Power Plant), forest conservation (Cardamom Forest, Peruvian Amazon Forest Protection), reforestation (Eden Reforestation), and agricultural carbon storage, available for individual purchase or via monthly subscription through the Yayzy app and B2B partners.
- Climate Subscriptions (Climate Supporter / Champion / Hero) Monthly recurring subscriptions that automatically offset a fixed volume of CO2e each month: Climate Supporter (880kg, ~1× average footprint), Climate Champion (1.76 tonnes, 2×), and Climate Hero (4.4 tonnes, 5×); available via the Yayzy app and designed for individual consumer retention.
Quantifiable outcome
- Granular transaction categorization with relevant carbon footprint estimation
- +3 more outcomes
Companies that use Yayzy
Customer profileNamed customers2 records
Segments5 records
Ideal customer profiles3 records
Yayzy technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
AI capability3 records
Feature4 records
Yayzy partnerships and signals
Strategic signalPartnerships
Twelve partnerships are on record, tiered core and minor.
- IBM CloudcoreIBM Cloud partnership to bring Carbon Tracking and Reduction Solution to Banking and FinTech Customers. Yayzy partners with IBM to leverage cloud infrastructure for scalable climate impact solutions.
- TrueLayercoreOpen Banking provider for UK market. TrueLayer provides regulated Account Information Service enabling Yayzy to access bank transaction data. FCA reference number 901096.
- PlaidcoreOpen Banking provider for North America (US and Canada). FCA reference number 804718. Provides account information services for US and Canada market.
- SaltEdgecoreOpen Banking provider for Europe (excluding UK) and rest of world. FCA reference number 822499. Operates through contracting party Fino run GmbH licensed by BaFin.
- StripecorePayment processing partner for carbon offset transactions. Stripe processes payments for subscriptions and offset purchases. Privacy policy available at stripe.com/gb/privacy.
- VitalMetricscoreEnvironmental data provider supplying GHG emission intensity factors from Comprehensive Environmental Data Archive (CEDA). Advisory from Dr. Sangwon Suh, Chief Scientist at Vitalmetrics, who advises on carbon footprint methodology.
- London Business SchoolminorYayzy was part of London Business School Incubator Programme for 2020/2021. Provides startup support and resources.
- Eden ReforestationcoreCarbon offset project partner. Eden Reforestation uses 'Employ to Plant' methodology for reforestation projects. Currently working in Ethiopia's Dwaro zone (10,000 hectares) and Rio Maria site. Contributes to goal of planting 4 billion trees by 2024 and 50 billion by 2030.
- Musi Hydro Power PlantcoreRenewable energy carbon offset project. Powers 1,034,690 homes with clean energy and has avoided 847,020 tonnes of CO2e.
- Peruvian Amazon Forest ProtectioncoreForest protection carbon offset project. Has protected 635,020,000 trees, supported 40,000 Amazonian indigenous people, and sequestered 951,133 tonnes of CO2e.
- Agricultural Carbon Storage ProjectcoreAgricultural carbon offset project. Has increased harvest production on 21,966 hectares of farmland and provided increased food security to 30,000 families.
- Cardamom Forest Conservation ProjectcoreForest conservation carbon offset project. Has protected 465,839 hectares of forest.
Scale indicators4 records
Recent moves6 records
Expansion highlights6 records
Yayzy competitors and assessment
Company assessmentDirect peers
- Cogo (formerly CoGo Carbon): Cogo offers carbon footprint tracking integrated into bank and fintech apps via APIs, with both B2B partnerships and a consumer app. It is the closest direct competitor to Yayzy in the bank-embedded personal carbon footprint category, operating in similar geographies with overlapping target customers.
- Doconomy: Doconomy provides a white-label carbon footprint API (the Åland Index) used by banks such as Klarna and Mastercard to embed climate impact into consumer payments. Comparable to Yayzy in API-first delivery, bank partnerships, and personal footprint use case.
- Klima (now Alles): Klima operated a consumer app that combined personal carbon footprint tracking via bank accounts with offset purchases, very similar to Yayzy's B2C app. It shut down/rebranded after failing to scale — a cautionary comparable on the unit economics of B2C offsetting.
Emerging players
- Persefoni: Persefoni is a climate management and accounting platform for enterprises. While its primary focus is corporate GHG accounting rather than consumer transaction-level tracking, it competes for the same carbon-accounting software budgets and adjacencies.
- Watershed: Watershed provides an enterprise carbon accounting platform used by large corporates for Scope 1–3 reporting. It overlaps with Yayzy's enterprise GHG inventory ambition, although Watershed focuses on corporate rather than consumer footprints.
- Sweep: Sweep is a carbon management platform for enterprises combining emissions tracking with reduction workflows. Comparable to Yayzy on the carbon data platform layer, but oriented to corporate customers rather than bank-distributed consumer tracking.
Broad incumbents
- Mastercard (Carbon Calculator / Priceless Planet Coalition): Mastercard's Carbon Calculator is embedded into bank apps globally via a partnership with Doconomy, and Mastercard has run multiple carbon programs. As the dominant card network, it represents both a potential partner and the most likely incumbent threat to Yayzy's bank-channel proposition.
- Visa: Visa has launched climate-related programs and partnerships (e.g., with Klarna). As a global card network with deep bank relationships, it could bundle carbon-tracking features into its existing rails, presenting a structural threat to standalone bank-API providers like Yayzy.
- Aspiration: Aspiration is a US digital bank built around sustainability, offering plant-a-tree features and carbon tracking. While consumer-facing rather than API-led, it overlaps in the 'bank-distributed carbon action' positioning.
Others
- Stripe Climate: Stripe Climate is a carbon removal checkout program that already partners with Yayzy for offset payments. It is an enabler/distribution channel for Yayzy's offsets business, but also a future potential competitor if Stripe expands into bank-grade footprint APIs.
Market position
Strengths5 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Yayzy social profiles
Digital presenceYayzy compliance and trust
Trust signalCompliance3 records
Yayzy financial estimates
Financial estimateRevenue estimate
Valuation estimate
Yayzy leadership team
Management profileNumber of profiles
Profiles6 records
Yayzy funding detail
Funding detailFunding overview
Funding rounds3 records
Investors4 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Yayzy M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Yayzy
What does Yayzy do?
Yayzy provides a climate impact platform combining a proprietary carbon footprint algorithm with Open Banking connectivity to estimate the greenhouse gas emissions of each financial transaction in real time. It sells two commercial offerings: a free consumer mobile app with subscription-based offset purchases, and white-label B2B APIs/SDKs that banks and fintechs embed into their own apps to enable carbon tracking, offsetting, and sustainability ratings for their end users.
Is Yayzy a public or private company?
Yayzy is a private company. It is classified as venture growth investor backed and is currently operating.
When was Yayzy founded?
Yayzy was founded in 2019. It employs 11 to 50 people.
Where is Yayzy based?
Yayzy is headquartered in London, United Kingdom, in the Europe region.
How does Yayzy make money?
Three revenue lines are on record. Carbon Offset Transaction Fees are the primary driver. The others are subscription Plans (Climate Neutral/Champion/Hero) and B2B API/SDK Licensing.
Who are Yayzy's main competitors?
Direct peers on record are Cogo (formerly CoGo Carbon), Doconomy and Klima (now Alles). Emerging players are Persefoni, Watershed and Sweep. Broad incumbents are Mastercard (Carbon Calculator / Priceless Planet Coalition), Visa and Aspiration. Stripe Climate is listed as an others.
Does Yayzy have an API?
Yes. Yayzy offers APIs enabling banks and fintechs to integrate carbon tracking and offsetting into their mobile applications. The APIs provide automatic, real-time carbon footprint calculation based on financial transactions, certified carbon offset projects, and sustainability insights. APIs are described as plug-and-play with implementation in days not months. Developer documentation is at yayzy.readme.io/reference/introduction.
What industry is Yayzy in?
Yayzy's product category is Climate Fintech Software / Carbon Tracking APIs. Its primary akta.pro industry code is EUABAEAB, ESG/Sustainability Reporting & Disclosure Platforms, with a secondary code of EUABAEAJ, Benchmarking, Ratings & Stakeholder Reporting Portals (Scorecards, Dashboards). Its NAICS code is 54151.