Small $2,324 · Medium $4,064 · Large $6,527 (Jumia NG / Jiji.ng / LAWMA May 2026; AACE Class 4 ±30–50%)
Annual OPEX ($) 2,581
Small $2,581 · Medium $5,170 · Large $9,168 (Labour NBS ₦70K/mth + fuel NNPC ₦1,320/L + maintenance + rent · May 2026)
Discount rate r (%) 17
Nigeria: 15–20% for FX + inflation risk (Olatomiwa et al. 2015; Brealey et al. 2020). Thesis adopts 17%.
Project horizon (years) 10
Platform Sustainability Parameters
The 10% add-on mint is issued on top of every SME's 100% allocation.
6% goes to Dev, 4% to Advocacy. Platform break-even is when add-on revenue ≥ Platform OPEX.
Number of onboarded SMEs 10
Total SMEs operating on the SGC platform simultaneously
New SMEs joining the platform per year (cumulative growth)
Platform cost basis (Chapter 3.3.2): CAPEX $10,700 = smart contract dev/audit $6,000 + Android app $2,500 + AWS setup $1,000 + legal/NESREA $1,000 + domain/SSL $200. Yr1 OPEX $21,456 = Dev FTE ₦1.5M/mth ($13,104) + Ops/Advocacy ₦600K/mth ($5,244) + AWS oracle $1,836 + Gold Standard per-credit fee $1,000 + monitoring $245 + Solana tx fees ~$2 + Google Play $25. OPEX scales 20%/yr with SME onboarding and Nigerian inflation (NBS; Brealey et al. 2020). Exchange: ₦1,373/$ (CBN May 2026).
SGC Year 1
—
tCO₂e tokens
Year 1 Revenue
—
USD gross
Total SGC
—
project life
NPV
—
USD discounted
IRR
—
internal rate
Payback
—
break-even yr
✅
Adjust inputs to see SME feasibility
Minimum Viable Analysis
Min viable price
—
MVA threshold
—
Yr1 profit margin
—
P(NPV>0) est.
—
Cumulative NCF (USD) — break-even at $0
Annual SGC Token Yield (tCO₂e/yr)
NPV vs Carbon Price — min viable price highlighted
Yr
BE_y(tCH₄)
SGC(tCO₂e)
Rev($)
OPEX($)
NCF($)
Cum NCF($)
Platform Break-even
—
Min SMEs Needed
—
Platform NPV (10yr)
—
Platform IRR
—
Platform Revenue vs OPEX Progress—
$0Break-evenPlatform OPEX
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Calculating platform sustainability...
Platform Cumulative NCF — Revenue vs OPEX vs Break-even
Platform Revenue by SME Count — Break-even SME threshold
SGC Token Distribution — 100% SME + 10% Platform Add-on (Yr1)
Yr
SMEs
Add-on SGC
Plt Rev($)
Plt OPEX($)
Plt NCF($)
Cum NCF($)
SME Operator
NPV
—
IRR
—
Payback
—
Yr1 SGC
—
SGC Platform
Break-even
—
Min SMEs
—
Plt NPV
—
Plt IRR
—
Combined — SME Revenue + Platform Add-on Revenue (10%) vs Platform OPEX
Hosting Guide
1
GitHub Pages (Free, Instant)
Upload as index.html → Settings → Pages → Deploy. Live at https://you.github.io/sgc-simulator. HTTPS included — location detection works immediately.
2
Netlify Drop (30 seconds)
Go to netlify.com/drop → drag and drop → live URL. Free HTTPS. For a custom domain like sofegreenscredit.com, connect on Netlify for ~$10/yr.
3
Location Detection
Uses browser Geolocation API (navigator.geolocation) — no API key needed. Maps coordinates to IPCC climate zone and auto-sets k, MCF, and DOC. Works on any HTTPS site.