Indulgent
Moral offsets with an API. Net-zero guilt by 2030.
S24ActiveFintechAPIClimate-adjacentCarbon offsets proved that people will pay to keep doing what they're doing as long as someone, somewhere, is verifiably not doing it. Indulgent generalizes the model from carbon to everything else.
Our supply side is a network of verified abstainers: people who were going to lie, cheat, or ghost a friend, and didn't. Each abstention is certified, tokenized, and retired against your behavior. One call to POST /v1/absolve and the transaction clears. Most customers integrate in an afternoon and wire it to fire automatically after quarterly layoffs.
Skeptics raise the additionality problem: how do we know our abstainers were really going to do the bad thing? We know because we pay them, and you'd be amazed what people were about to do once there's money in not doing it.
The Church ran this business for three hundred years with no API and terrible unit economics. We think there's room to improve.
Active founders
Thaddeus Brannigan-Osei
Co-founder & CEO
Spent five years at a carbon-credit registry certifying forests that were never going to be cut down. Realized the forest wasn't the product.
Sister Agnes Villareal (ret.)
Co-founder & Head of Verification
Thirty years hearing confessions by proxy. Says the API is faster but the material is the same.