Inverse Fintech: Research Prospectus, Version 1.1: Physical Asset Depreciation, Information Appreciation and Institutional Value Creation

This research prospectus invites independent academic collaboration on Inverse Fintech, an asset-first approach to financial inclusion in which access to productive physical assets precedes, rather than follows, access to credit. It sets out the concept's core propositions, the open research questions it raises, and a proposed empirical setting: a pilot in Kenya implemented by WeSail.Green. Partner institutions are invited to co-design the research, including a planned household survey (approx. 500 households), and to pursue questions beyond the implementing organisation's own purposes. Research partners are expected to retain full methodological and publication independence. The prospectus builds on two earlier works by the author: the definition paper (doi:10.5281/zenodo.24046147) and the explanatory paper (doi:10.5281/zenodo.24056786).