Ethyx is building leading ESG-native credit rails, an infrastructure layer designed to connect verified ESG capital to millions of underbanked MSMEs. Ethyx stands at the forefront of reimagining the future of finance — blending ancient wisdom with cutting-edge technology to build a sustainable credit ecosystem grounded in ESG principles. With a focus on mindful, disciplined finance, Ethyx aims to reduce non-performing assets while delivering resilient, long-term returns.

To support its expanding global footprint, Ethyx is now incorporating its Romania subsidiary to expand ESG-native financial infrastructure into the EU, marking the company’s strategic entry into the European Union for ESG infrastructure and cross-border sustainable finance initiatives.

India’s MSME credit ecosystem remains deeply uneven, with 60% of enterprises excluded from formal financial systems. This sector suffers from high-interest rates, often 2.5 times higher than those available in formal markets. This imbalance contributes to a persistent USD 98 billion credit gap, slowing growth in sectors that form the backbone of India’s economy.

Even climate-positive MSMEs lack the documentation and digital verification needed for institutional lending, leaving sectors like agriculture and logistics unsupported.

A major risk looms with the EU’s Carbon Border Adjustment Mechanism (CBAM), which becomes fully operational in 2026. It requires exporters to provide transaction-level carbon data or face 20–35% tariffs. Today, most Indian MSMEs are not equipped to meet these requirements, while ESG funds remain unable to deploy climate capital efficiently due to verification gaps across supply chains.

Ethyx embeds ESG verification directly into payment rails—making every MSME transaction self-verifying for emissions, compliance, and credit risk in real-time. The platform’s Smart Finance Infrastructure brings together

• Unified verification layer
• Dynamic credit engine
• Transparent ESG dashboard
• AI-driven credit tools

Built on India’s digital public infrastructure, Ethyx includes an ESG-native LOS/LMS system, an investor discovery and routing layer with transactions in the 21–23% yield range for regulated credit partners, recurring revenue financing models for businesses, and a programmable ESG layer enabling full traceability across invoices, cash flows, and compliance records.

Ethyx targets USD 140B in India's agri-supply chain finance, with Year 1 SAM of USD 17.5B—a market at inflection driven by digital adoption, climate regulation, and supply-chain transparency mandates. India's multi-hundred-billion-dollar MSME financing gap is colliding with EU's CBAM (2026), which requires carbon-verified supply chains for exports. Traditional lenders lack ESG assessment infrastructure, creating urgent demand for purpose-built solutions. Ethyx is deploying ESG-native credit rails before industry standardization—establishing first-mover advantage in a market where early infrastructure becomes permanent infrastructure, similar to Stripe in digital payments. Our Romania-based EU entry creates strategic network effects: Indian MSMEs gain compliant export access while European buyers secure verified suppliers, building a scalable model for emerging market expansion

Ethyx operates on a B2B model, offering financial infrastructure that connects MSMEs with investors through a real-time programmable ESG credit rail. By leveraging open-source APIs and regulatory resilient analytics, Ethyx facilitates recurring revenue finance and merchant credit, which simplifies the lending process while providing superior yields for patrons. Targeting impact funds, hedge funds, private debt funds, and alternate investors, the platform creates value by embedding ESG metrics into financial operations, ensuring alignment with sustainable development goals.

Ethyx is a DPIIT-registered startup institutionally validated by IIM Udaipur, having raised funding at a USD 1.2 million valuation and progressing toward a USD 15 million valuation trajectory. The company operates at the intersection of policy and financial infrastructure, with participation in closed-door discussions with the Ministry of External Affairs on DPI protocol logic and ongoing work with MoMSME on TReDS integration.

Ethyx is building globally as a Grant Thornton partner for ESG and SDG-linked finance initiatives in India’s North-East. The founding team brings a USD 400+ million climate finance deployment track record, credentials from London Business School, Chevening Scholarship, and Dean’s List honours, alongside deep expertise in governance and risk.

Members of the team have been invited by the Enforcement Directorate to advise on asset tracing, with prior experience tracing ₹25,000+ crore in assets and uncovering ₹1 lakh crore invoice frauds.

Some of Our Advisors:

● CFO of Burger King Europe.

● Managing Director of an Impact Fund

● And many more Senior operators from global financial and technology institutions

Ethyx’s leadership is further strengthened by a personal endorsement for one of the founders from Ratan N. Tata, who shared:

“Mr. Pranav Nahar has been an effective communicator and motivator. I endorse him in all his endeavors.”

Founded by certified Vipassana teachers with eight years of spiritual practice, Ethyx is built on transparency, integrity, and disciplined capital stewardship.