Jalmatrix : GIS-based real-time water quality monitoring for climate finance

A Unified Vision by Credynova, Mechwat Technologies, and Thummar Technologies — Accelerated by the Toilet Board Coalition under Unilever’s Mentorship

The world’s water systems are under pressure. According to the United Nations, 80% of wastewater globally is discharged untreated, contaminating rivers, lakes, and oceans, while disrupting the planet’s hydrological balance. At the same time, the global financing gap to achieve the Sustainable Development Goals (SDGs) exceeds USD 2.5 trillion annually. This disconnect — between the data we have and the decisions we need — defines the urgency of our mission.

Enter Jalmatrix: a GIS-based real-time water quality monitoring platform that transforms how water bodies are managed, financed, and restored.

Developed jointly by Mechwat Technologies (engineering expertise), Thummar Technologies (GIS and IoT excellence), and Credynova Solutions (climate finance innovation), Jalmatrix represents a paradigm shift in how we see, value, and act on water intelligence.

Why Jalmatrix Matters

Water pollution isn’t just an environmental issue — it’s a data issue. Traditional in-situ monitoring methods are expensive, labor-intensive, and too slow for timely intervention. By the time laboratory reports arrive, communities have already faced contamination, biodiversity loss, or disease outbreaks.

Jalmatrix changes that through an AI-driven, satellite-calibrated, real-time monitoring system that makes water intelligence accessible, transparent, and actionable for everyone — from governments and industries to local communities.

How It Works: From Satellite to Solution

Jalmatrix integrates remote sensing, in-situ data, and machine learning models into a seamless monitoring ecosystem.
It captures satellite-based surface water data and calibrates it with ground-based water quality (WQ) parameters during satellite overpasses.
Each pixel of water becomes a data point — dynamically updated, analyzed, and forecasted.

Key parameters include:

• NDWI (Normalized Difference Water Index) – Surface water mapping
• NDCI (Normalized Difference Chlorophyll Index) – Algal bloom and nutrient detection
• TSS (Total Suspended Solids), TDS (Total Dissolved Solids), Chl-a, and more

Using band analysis, atmospheric correction, and statistical algorithms, the platform converts imagery into meaningful indicators — supporting pollution detection, disease forecasting, and treatment feasibility studies.

The result?

• Real-time water quality forecasting

• Cost reduction in monitoring

• Transparent data for MRV (Measurement, Reporting, and Verification)

• Reliable insights for investors and climate auditors

Why Credynova Backs Jalmatrix

At Credynova, our mission is to monetize verified environmental impact — by linking measurable ecological outcomes with climate finance mechanisms.

Jalmatrix aligns perfectly with this mission.
Its transparent, traceable, and real-time MRV system enables the generation of result-based credits — carbon, water, and nutrient credits — verified through satellite data and third-party validation.

For investors, this means:

• Auditable data trails for ESG and green finance
• Reduced verification cost and time
• Enhanced confidence in environmental performance

For governments and project developers:

• Outcome-based climate finance for lake rejuvenation, wastewater treatment, and river restoration
• Integration with Credynova’s multi-credit ecosystem — covering carbon, nutrient, and water credits
• Alignment with SDG 6 (Clean Water & Sanitation), SDG 13 (Climate Action), and SDG 15 (Life on Land)

A Transparent, Cost-Effective MRV Framework

Traditional environmental monitoring relies heavily on manual sampling and reporting, often plagued by opacity and delays.
Jalmatrix flips this model by offering a cloud-based MRV dashboard that:

• Integrates real-time satellite data, IoT sensors, and mobile inputs
• Provides geo-tagged visualizations for each water body
• Links environmental indicators to economic performance (TEA & LCA)

For climate auditors and credit registries, this means a live, data-backed evidence chain — verifiable anytime, anywhere.
For communities, it builds trust through transparency.

This approach directly supports Credynova’s commitment to science-backed, outcome-based finance — ensuring that every rupee or dollar invested in restoration yields measurable climate returns.

Result-Based Climate Finance: Turning Data into Impact

Jalmatrix is more than a monitoring tool; it’s an enabler of financial transformation in the water sector.
By connecting environmental indicators to credit issuance, it unlocks new revenue streams for sustainable water management projects:

• Carbon Credits: From reduced methane and CO₂ emissions via optimized treatment.
• Water Credits: From measurable improvements in water quality and reuse.
• Nutrient Credits: From quantified reductions in nitrogen and phosphorus discharges.

This data-to-finance bridge empowers governments, industries, and NGOs to access result-based financing, accelerating restoration and resilience across catchments, basins, and urban ecosystems.

Collaboration for Scale and Credibility

Jalmatrix is a product of collective innovation:

• Mechwat Technologies – Engineering and water infrastructure expertise
• Thummar Technologies – GIS, IoT, and data system integration
• Credynova Solutions – Climate credit methodology and finance backbone
• Toilet Board Coalition (TBC) – Accelerator support for sanitation-linked innovation
• Unilever – Mentorship in business model refinement and impact scalability

This synergy represents the intersection of engineering, data science, and finance — transforming how the world perceives water management.

Towards a Global Water Intelligence Network

With successful pilots like Sathara (Gujarat) — where time-series analysis of NDWI, NDCI, and TSS validated measurable restoration impact — Jalmatrix is ready to scale from India to the Global South and beyond.

The roadmap ahead includes:

• ISO and VCM methodology validation (2025–2026)
• Smartphone-integrated monitoring using AI-generated datasets
• Global dashboard launch for cross-country comparison and analytics
• Cloud-based deployment across 32,000+ MLD of monitored water volume

By 2030, Jalmatrix aims to become the world’s most transparent MRV platform for water quality and related climate credits — a benchmark for data-driven, result-based sustainability.

Conclusion: Water Data Is the New Climate Currency

As climate finance evolves, data transparency and accountability will determine who gets funded — and who gets left behind.
Jalmatrix provides that missing link — merging satellite precision, AI intelligence, and Credynova’s credit-based financial logic into one transparent ecosystem.

Together with Mechwat Technologies and Thummar Technologies, and under the Toilet Board Coalition’s Unilever-mentored acceleration, we are not just monitoring water — we are redefining its value for investors, policymakers, and humanity.