Tred - Carbon Offsetting

Has anyone looked at Tred on Crowdcube?

Carbon offsetting bank account / debit card.

Looks interesting but a tough and crowded market to crack?

Does not really feel like they have a real moat around them. Any credit/debit card company could easily switch their points model to buying carbon credits.

Tough tough sector and you need a ton of money to get a decent market share.