Regenerative finance (ReFi) is the vessel used to instil John Fullerton’s theory of regenerative economics. This theory promotes and sustains human well-being by providing value to communities that have lost natural resources, helping protect what remains and creating long-term, sustainable financial security. ReFi was not created for blockchain technology and decentralised finance (DeFi). However, various protocols have emerged based on the idea of creating ways to sustainably benefit people and the planet versus solely focusing on profit.

ReFi is decentralised and democratic. Through peer-to-peer funding, communities can determine which NPO or NGOs a protocol should provide capital to. Unlike traditional corporate social investments, ReFi ensures 100% of the funding goes to the chosen party, thus reducing the risk of corruption or misuse of funds. ReFi is a way to utilise crypto, its core principles of democratisation and financial independence free of intermediary exploitation, to create a sustainable future for the next generation.