“Can an agricultural crowdfunding lender embed soil carbon credit monetisation into its financing model to create a climate-aligned, dual-revenue asset class for European farmers?”
Founded in 2020 as HeavyFinance, a Lithuanian agricultural crowdfunding lender connecting retail investors with European farmers needing working capital, equipment, and land financing. Rebranded to InSoil in 2024 to signal a strategic shift beyond pure lending toward environmental technology — specifically integrating Verra-certified MRV (monitoring, reporting, verification) of soil carbon credits with the lending business. The embedded finance angle centres on using ConnectPay's payment infrastructure to enable seamless investor transactions on the crowdfunding platform, while the carbon credit layer creates a differentiated asset class for institutional private-debt investors.
InSoil discloses connectpay as its banking provider, according to the Embedded Finance Index 2026.
InSoil does not disclose a bank charter of its own; its banking services are provided through connectpay.
InSoil processes payments through ConnectPay.
The Embedded Finance Index 2026 maps 3 layers in InSoil's stack: Payments / PSP (ConnectPay); Banking / BaaS (connectpay); Lending (Agricultural working capital loans (up to €25,000 uncollateralised), Land acquisition loans (up to €300,000), Equipment financing (100% financing, up to 10-year-old equipment), Farm building loans and 3 others).
InSoil was founded by Laimonas Noreika, Darius Verseckas and Andrius Liukaitis and is founded in 2020, headquartered in Vilnius, Lithuania.
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