No-one needs "Fintech", or banks, or investors, if it is accepted that this practice itself is at the root of the climate problem.
We can see that sunlight can be, and is being monetised, by pow crypto, and as such it is infinitely scaleable, for free.
That means we are putting tokens on the Joules of energy received freely from the sun, rather than tokens on the Joules of energy trapped in the Earth.
So money has to become freely issued to reflect that, and we don’t need banks, fintech, or any other kind of money lender to claim ownership of it.
What we need is for those in the position of directly receiving it, to recognise that they have to give it out, as it doesn’t belong to them, it was donated to all of humanity.