Requested Funding: $75,000 in REGEN + $25,000 in USDC (or stablecoin equivalent) Proposal Type: Community Treasury Grant (Pilot Initiative) Category: Capital Infrastructure, Ecosystem Growth, Real World Assets (RWA)
Summary
We propose to fund the initial design and pilot phase of RegenCoopBank, a cooperative regenerative finance institution that will channel capital into local, measurable ecological projects, leveraging Regen Network’s verification infrastructure.
The bank will operate as a multi-stakeholder coop serving:
Regen-aligned project developers
Environmental stewards
Impact investors
Community-led DAOs and collectives
It is structured to reinforce Regen Network’s primary goals:
Reward regenerative outcomes
Leverage data-driven verification
Advance open-source regenerative financial tools
Problem Statement
Many regenerative and bioregional initiatives aligned with Regen Network lack access to affordable capital. Meanwhile, values-aligned investors and lenders are looking for transparent, regenerative impact and long-term ecological returns. There is currently no trusted, Regen-native capital coordination layer that ensures alignment with ecosystem values, data standards, and community governance.
Proposed Solution
RegenCoopBank will launch as a decentralized cooperative structure — bridging:
Capital inflow (impact investors, lenders, token holders)
Capital allocation (local projects, nature-backed assets, regen infra)
Capital governance (community voting, Regen Registry metrics)
In this pilot phase, we will:
Legally and digitally incorporate the cooperative (DAO + legal wrapper)
Assemble a founding member network (Regen-aligned DAOs, stewards, builders)
Design and launch the first bioregional lending program (5–10 pilot projects)
Build lightweight credit assessment, repayment, and impact tracking systems
Use of Funds
Category
Description
Amount
Legal & Coop Structuring
DAO + coop hybrid design, jurisdictional research, basic compliance
Stablecoin pool to deploy into first regenerative loans
$25,000
Comms & Community Ops
Visuals, launch campaign, stakeholder updates, forum discussions
$10,000
Contingency & Audit
Contract reviews, accounting, governance tooling
$5,000
Total Requested:
$75,000 in $REGEN (for incentives, community work, design)
$25,000 in USDC (for lending pool pilot + operational expenses)
Success Metrics
Legal + technical design of cooperative structure completed
5+ Regen-aligned founding members onboarded
5–10 bioregional regen projects sourced, due-diligenced, and approved for loans
On-chain governance UX demo live (MVP)
Data/impact verification aligned with Regen Registry
Final report & recommendation on scaling path (Q1 2026)
Alignment with Regen Network Goals
Regen Goal
Contribution
Ecological Regeneration
Direct funding for measurable, localized regeneration projects
Data-Driven Verification
Use of Regen Registry + oracles to verify ecological outcomes
Open Source Tools
Lending dashboards, credit scoring models, and DAO templates open-sourced
Next Steps / Call to Action
We request community approval of this proposal and a suggested contribution for the Regen Community fund in $REGEN. We’ll reach out to other donors as well, it might be even symbolic.
If successful, this will form the capital commons layer of the Regen ecosystem and create an aligned, scalable model to bring in hundreds of values-aligned investors and on-chain lenders.
There’s clearly a lot of credits listed for sale on Regen Marketplace, but without stronger market demand for REGEN itself, the CoopBank concept won’t be sustainable.
Until credit retirements drive volume and token velocity, any liquidity provision is just a temporary bandage. We need a real loop between credits, retirements, token flow, and market pressure, otherwise these mechanisms won’t scale.
With Youtube and Canva
Create short regenerative content that inspires more short regenerative content: each piece reinforcing the vision and feeding demand for the token.
Who is the project team?
Who are the projects that would receive bioregional lending?
Are the success metrics representing activities that are already completed, or are these project outcomes?
Who are the partner organizations in these pilots?
Given $regen token price, this feels like a large allocation. I would recommend a much smaller pilot.
It’s mostly me now and some advisors. I’m now collecting the feedback and engaging partners. Recently we worked more with Caue from Green Pill Brasil and their Sarafu allocation of 25k USDC. I was curious if we can measure the effectiveness of that and maybe match it in some proportion in $regen.
Who are the projects that would receive bioregional lending?
It’s yet in the planning. Here’re some of my ideas: prob sarafu network, maybe there should be synergies on bioregions with our ecocredits or csDAOs. Caue was also working on some projects with jaguars, so was also following such our ecocredit. Open to suggestions/discussions here.
Are the success metrics representing activities that are already completed, or are these project outcomes?
Project outcomes
Who are the partner organizations in these pilots?
We’ve partnered with ReFi Hub in the past to pilot the credit for Earthist Network. Further on – potentially Regen Coordination, Regen Commons, Mutualism Society.
Given $regen token price, this feels like a large allocation. I would recommend a much smaller pilot.
Cool initiative! Would recommend reaching out to Joshua Tan from Meta Gov if not already. He is starting this: https://abankfordaos.com/
“There’s something missing in Web3. We’ve built all these complex financial widgets in DeFi. But for the vast majority of people, the most visible and trusted financial institution in the world is not a broker or an exchange or a hedge fund. It’s a local bank.”
@Max_Semenchuk Could you elaborate on how the DAO and legal wrapper will work together in the cooperative structure? What are the key benefits of combining these two elements?
DAO is the brain + nervous system. It handles coordination, voting, transparency. Who gets loans, what terms, which projects get priority — all that happens on-chain, with clear records everyone can see.
Legal wrapper is the body. It gives the coop a passport in the “real world.” That means it can sign contracts, open a bank account, deal with regulators, and protect members with limited liability.
Why use both?
Trust without blind faith. DAO means no backroom deals, all governance is transparent. Legal entity means we can actually sign stuff that holds up in court.
Bigger capital pool. Crypto-native folks are fine with DAO-only. But if you want foundations, coops, or even smaller banks to join in, they’ll need a recognized legal counterparty.
Safety for members. If something goes wrong, liability doesn’t fall on random community members.
Coop DNA on-chain. One member = one vote (or similar principles) get baked into both the DAO logic and the legal statutes, so the values can’t drift.
Easy to scale. Once the “law + code” template is tested, other regions can pick it up and launch their own local RegenCoopBank cells.
Quick example: Say the DAO votes to fund a $20k agroforestry project.
On-chain: members vote, it passes.
Off-chain: the coop entity signs a loan agreement, wires stablecoins (or fiat), and makes sure repayments are enforceable.
So, the DAO makes the call, the legal wrapper makes it stick.
In short: DAO keeps us aligned + transparent, the legal wrapper makes sure the outside world takes us seriously. Together, it’s brains + body.
In short: DAO keeps us aligned + transparent, the legal wrapper makes sure the outside world takes us seriously. Together, it’s brains + body.