GOLD
Terraformation – Terraware: Closing the technology gap in global reforestation to streamline forest creation and investment
Terraformation has developed an open-source platform to close a significant technological gap for local teams to scale biodiverse, community-led reforestation projects. Biodiverse reforestation sequesters 2x the carbon of monoculture or exotic species projects while bolstering biodiversity and helping vulnerable communities achieve the SDGs. But a comprehensive global survey to discover the bottlenecks to scaling projects revealed that 70% of forest creation teams don’t have adequate access to technology, and 95% don’t have sufficient funding.
Built by foresters for foresters, Terraware simplifies the complex stages of reforestation projects to improve project timelines and efficacy, while supporting teams in aligning with investor expectations for planning and tracking, particularly those shopping on the carbon markets. It’s a novel combination of tools in one platform, experiencing exponential growth in two years since launch. Terraware is tracking 4.6 million trees, over 450 different native species, through registered projects by 1203 teams.
SILVER
Jupiter Intelligence – Jupiter Adaptation Hub
Climate risk is now capital risk. Banks, insurers, and asset managers know where they are exposed; few have the tools to decide what to do about it. Jupiter Adaptation Hub closes that gap. Built within ClimateScore Global, it quantifies the avoided losses, costs, and ROI of specific resilience measures — flood barriers, cooling upgrades, wildfire hardening — across multiple time horizons and warming scenarios.
Global analyses estimate that every dollar invested in adaptation generates between two and twelve dollars in avoided losses and broader economic benefit. Adaptation Hub gives financial institutions, governments, and infrastructure operators the analytics to act on that opportunity, with the scientific rigour regulators and boards require. The platform is trusted by three of the five largest U.S. banks and 4 of the world’s top 10 asset management firms.
BRONZE
Munny Group – eM: Your Pocket Expert
Millions of people avoid engaging with their money until something goes wrong. Not because they don’t care, but because financial support is often confusing, intimidating, salesy or simply unavailable when it’s needed most.
Munny created eM, an AI-powered money coach, to change that.
eM provides impartial, judgement-free financial education that people can access privately, 24/7, at the exact moment a financial issue arises. It helps users understand everyday money decisions, take practical next steps and build confidence over time, without being sold to or assessed.
Launched February 2025, eM has supported thousands of people across workplaces, sport and education. Users report improved understanding, earlier action on debt, increased saving and reduced financial stress. Employers see fewer reactive crises and better-targeted wellbeing support through anonymised insight reporting.
By combining ethical AI, behavioural understanding and trusted partnerships, eM is closing the gap between financial anxiety and confident action; at scale, and sustainably.
ONE-TO-WATCH
Financial Literacy Australia – A gamified financial literacy app for people with disability nationwide
Financial Literacy Australia is a founder-built Australian social enterprise delivering accessibility-first financial literacy and life-skill education to people with disability, including in regional and remote communities. Delivery pairs face-to-face mentoring and guidance with modular, gamified learning and supports for participants learning solo, with family, with a support worker or with a facilitator. FLAUS is also developing a learning app to extend this model at scale, using AI inside the app to power adaptive learning pathways so each participant’s journey responds to their goals, pace and support context. Independently verified as a social enterprise, with a Monash University ethics approval for co-design research and recognised at the MAIA Awards Singapore 2025 (first place – global fintech/AI category).