Shaping Finance with a true focus on Risk.

Risk is a challenge we face in common. The way to resolve risk is not blame, not shame, not political correctness, but measurement and management.

Our clear-eyed focus on credit risk leads us back to an ancient understanding shared by all people. Credit is a Promise. It is two-way obligation.

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Pioneering Finance from within a culture of inclusion, here in Bilbao.

All talk about our common future includes everybody and everything in our world. Clean Fintech started in Bilbao—drawing on a local culture with democratic traditions that shaped the U.S. and Spain, a rising market culture within the EU.

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Innovating Finance with well-established Numerical Methods

It’s a well-guarded secret that while price-risk markets run on sophisticated risk solutions, credit markets run on a static, antiquated models entirely unsuited to our modern, data-driven world. The solutions well-established in engineering; the innovation is adapting it to credit risk challenges.

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CLEAN FINTECH IS

Revolutionizing finance by bringing a neglected market back to life.

It has been 50 years since credit analysis was crowded out by option trading evangelism. Its sterile efficient market formalisms seeded three Crises (1987, 1997 and 2007) that traumatized markets and economies. The world has been in search for a sustainable replacement risk architecture. 

This is it: credit ratings that pair with big data and global connectivity.
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01

MANIFESTING CAPITAL

Clean Fintech maximizes capital by recognizing its various forms, from potential (social, environmental, informational) to actual (monetary, material).

02

REDUCING RISK

Clean Fintech parses optical and material risks, shedding light on both through superior functional form modeling and continuous measurement.

03

REVEALING VALUE

Revealing Value refers to stranded capital inside securities, loans and receivables that exist but are not part of the public disclosure framework.

we help in:

Unlocking Potential & Minimizing Risk

Join Clean Fintech in revolutionizing the financial landscape. Tap into hidden capital, manage risk, and unveil your true value. Embrace transparency, responsibility, and governance.

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Clean Fintech: Revolutionizing finance. Reducing risk. Revealing value. Driving transparency, responsibility, and governance.

“Let Clean Fintech help you as we reshape the financial landscape. We’re unveiling hidden potential, mitigating risk, and discovering true value created by steadfast champions of transparency, responsibility, and governance. Begin your journey with us, today.”

Ann Rutledge

Founding Principal & CEO, CleanFintech SL.

We are grateful to our forward-thinking clients

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Empowering Sustainability, Innovation and Integrity with Data.

Clean Fintech is bringing a neglected market back to life and modernizing it with global standards. 

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