Collective choice
Each transaction signals demand for sustainable alternatives.
Welcome to OBaaC — Open Banking as a Community
We are building a grassroots movement that turns consumer financial data into a tool for transparency, accountability, and systemic change. Explore our philosophy below to see how open banking secures your data, drives market shifts, and proves that individual choices and collective power are two sides of the same coin.
The Philosophy
How We Flip the Model
For decades, top-down politics has failed to deliver meaningful climate action. The current “In-Out” model of governance places lobbying and corporate influence at the center, leaving citizens on the outside waiting for change that never arrives.
We are taking that power back.
OBaaC introduces an “Out-In” model of collective accountability. By securely linking our bank accounts, we gather and aggregate our everyday purchasing decisions—the choices we make on the ground—and focus them inward as a unified, unignorable force.
Bank data doesn’t lie. When you buy green, you vote green.
OBaaC turns everyday spending into proof that people care about climate action.
Trans-action over words: The “silent majority” doesn’t need to march to be heard. Your transaction history proves what you care about.
Cheaper green choices: As our community shifts spending toward low-emission products, demand rises and green prices drop.
Policy change through data: Politicians listen to hard financial evidence. By proving real consumer demand, we make bold climate policies impossible for leaders to ignore.
Community driven
You're not doing this alone
Every transaction is part of a growing movement. More people making green choices makes the transition easier, more normal, and more supported.
Growing momentum
By switching demand we create consensus for greener policy for decarbonisation, and subsidies for adaptation & resilience.
Shared values
Join millions of people who understand that we are more powerful as a collective, than we are as individuals.
Trust. Bank-Grade Security. Zero Password Sharing.
How It Works (The Valet Key Model) When you connect via open banking, you never share your password. Instead, your bank issues a secure, read-only digital token. Think of it like a valet key: it allows an attendant to park your car while keeping your glove box and trunk locked. You remain in total control and can revoke access at any time.
Read-Only Access You grant regulated third-party apps permission to view your transaction data—never to touch or move your money.
Your Data, Your Power For 25 years, banks have sat on our financial data without innovating for our benefit. Open banking hands that power back to you.
Proven & Widespread You are in safe hands. In the US alone, over 100 million people—half of all bank account holders—already use open banking providers like Plaid every day.
Real-World Impact: OBaaC in Action
Watch Video Demonstration
Use Case 1: Climate Savers — Gamifying Sustainable Choices Locally
See how real-time transaction data turns everyday eco-habits into a measurable, community-wide challenge.
Zero Effort Tracking: Connect your bank, tap to ride public transit (like OVPay), and let open banking automatically verify your journey—no manual logging or receipts needed.
Visual Community Progress: Track public transport adoption across your business, university, or neighborhood as usage grows week over week.
Gamified Action: Harness friendly competition to shift group habits from carbon-heavy travel to low-emission transit.
Watch Video Demonstration
Use Case 2: Ground-Up Action — Gamifying Per-Capita Emissions
Where global climate summits stall in political gridlock, OBaaC builds consensus from the ground up across 18 countries in North America and the EU.
Automated Footprint Tracking: Open banking translates purchase data into clear per-capita emission metrics—no tedious manual logging.
International Leaderboard: Communities lower their per-capita footprint to push their country up the ranks.
Citizen-Led Consensus: Demonstrates that while top-down policy moves slowly, real people are already taking action through their spending.
Be Counted. Join the Movement.
When you subscribe, you do more than stay informed—you help us prove that real demand for systemic change exists.
Movement Updates: Track our progress as we roll out open-banking climate tools across 18 countries.
Early Access: Be the first to test new community features, merchant challenges, and global leaderboards.
Power in Numbers: Every subscriber adds weight to our collective voice when pitching to funders and partners.
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