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Overview

The Verification feature provides satellite-based ground truth verification for sustainability-linked loans using Sentinel-2 imagery, NDVI analysis, and TorchGeo ResNet-50 land use classification. It includes both live verification workflows and portfolio monitoring dashboards. Code Reference: client/src/components/VerificationDashboard.tsx, client/src/components/GroundTruthDashboard.tsx, app/agents/verifier.py, app/agents/classifier.py

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Key Features

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Live Verification Workflow

  • Document Upload: Upload credit agreement PDF
  • SPT Extraction: Extract Sustainability Performance Targets (SPTs)
  • Address Geocoding: Convert addresses to coordinates
  • Satellite Imagery: Fetch Sentinel-2 imagery
  • NDVI Analysis: Calculate Normalized Difference Vegetation Index
  • Compliance Check: Determine COMPLIANCE or BREACH status
Code Reference: client/src/components/VerificationDashboard.tsx, app/agents/verifier.py

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Ground Truth Dashboard

  • Portfolio View: Monitor all verified assets on global map
  • Status Indicators: Green (Compliant), Red (Breach), Yellow (Warning)
  • Asset Management: Manually onboard new loans
  • Map Visualization: Interactive map with Leaflet/React-Leaflet
  • Filtering: Filter by status, location, or asset type
Code Reference: client/src/components/GroundTruthDashboard.tsx

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Enhanced Satellite Features

  • OpenStreetMap Integration: Street map data for context
  • Air Quality Monitoring: Air quality index (AQI) data
  • Green Infrastructure: Green infrastructure detection
  • Pollution Monitoring: Methane and pollution detection
  • Sustainability Scoring: Multi-dimensional sustainability scores
Code Reference: app/services/green_finance_service.py, app/agents/verifier.py

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Workflow

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1. Verification Demo

  1. Upload Document: Upload credit agreement PDF
  2. Extract SPTs: System extracts Sustainability Performance Targets
  3. Geocode Address: Convert collateral address to coordinates
  4. Fetch Imagery: Retrieve Sentinel-2 satellite imagery
  5. Analyze NDVI: Calculate NDVI score
  6. Classify Land Use: TorchGeo ResNet-50 classification
  7. Determine Status: COMPLIANCE or BREACH based on SPTs

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2. Ground Truth Monitoring

  1. View Portfolio: Open Ground Truth Dashboard
  2. Map View: See all assets on global map
  3. Filter Assets: Filter by status or location
  4. View Details: Click asset for detailed information
  5. Re-verify: Re-run verification for assets

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3. Breach Detection

  1. Automatic Detection: System detects breaches automatically
  2. FDC3 Broadcast: Broadcasts breach alerts via FDC3
  3. Risk War Room: Risk War Room receives alerts
  4. Investigation: Risk officers investigate breaches

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API Endpoints

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Create Loan Asset

Create a loan asset for verification. Request Body: 
{
  "loan_id": "LOAN_001",
  "collateral_address": "123 Main St, City, State",
  "spt_threshold": 0.75,
  "geo_lat": 38.2975,
  "geo_lon": -122.2869
}
Response: Created loan asset with initial verification Code Reference: app/api/routes.py (create_loan_asset endpoint)

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Run Verification

Run or re-run verification for a loan asset. Response: Updated verification results with NDVI score and compliance status Code Reference: app/api/routes.py (verify_loan_asset endpoint)

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Get Verification Status

Get current verification status. Response: Verification status, NDVI score, compliance status

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Satellite Data Sources

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Sentinel-2

  • Provider: SentinelHub
  • Resolution: 10m spatial resolution
  • Frequency: 5-day revisit time
  • Bands: Multispectral bands for NDVI calculation
Code Reference: app/agents/verifier.py (Sentinel-2 integration)

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TorchGeo ResNet-50

  • Model: Pre-trained ResNet-50 for land use classification
  • Classes: Agricultural, urban, forest, water, etc.
  • Accuracy: High accuracy land use classification
Code Reference: app/agents/classifier.py

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NDVI Analysis

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NDVI Calculation

Normalized Difference Vegetation Index: 
NDVI = (NIR - Red) / (NIR + Red)
Interpretation:
  • > 0.7: Healthy vegetation (high compliance)
  • 0.4 - 0.7: Moderate vegetation
  • < 0.4: Low vegetation (potential breach)
Code Reference: app/agents/verifier.py (NDVI calculation)

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Configuration

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Environment Variables

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SENTINELHUB_KEY
string
SentinelHub OAuth client ID
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SENTINELHUB_SECRET
string
SentinelHub OAuth client secret
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ENHANCED_SATELLITE_ENABLED
boolean
Enable enhanced satellite features. Default: true
Setup Guide: See SentinelHub Setup Guide

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User Interface

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Verification Dashboard

Location: client/src/components/VerificationDashboard.tsx Features:
  • Document Upload: Upload credit agreements
  • Agent Terminal: Real-time verification logs
  • Map View: Visualize verification results
  • Progress Tracking: Track verification progress
  • CDM Events: View generated CDM events
Access: Navigate to “Verification Demo” in sidebar

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Ground Truth Dashboard

Location: client/src/components/GroundTruthDashboard.tsx Features:
  • Global Map: Interactive map of all assets
  • Status Filtering: Filter by compliance status
  • Asset Details: Detailed asset information
  • Re-verification: Re-run verification for assets
  • Export: Export asset data
Access: Navigate to “Ground Truth” in sidebar

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FDC3 Integration

Verification broadcasts FDC3 contexts:
  • Breach Alerts: Broadcast breach detection
  • Compliance Updates: Broadcast compliance status changes
  • Risk War Room: Risk War Room receives alerts automatically
Code Reference: client/src/components/VerificationDashboard.tsx (FDC3 broadcasting)

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Best Practices

  1. SPT Accuracy: Ensure SPTs are accurately extracted
  2. Address Quality: Use complete, accurate addresses
  3. Regular Verification: Re-verify assets periodically
  4. Breach Response: Respond promptly to breach alerts
  5. Documentation: Maintain verification records

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Additional Resources

Last Updated: 2026-01-14
Code Reference: client/src/components/VerificationDashboard.tsx, app/agents/verifier.py, app/api/routes.py