:Geospatial Quantum–AI Climate–Finance Digital Twins: Carbon Integrity, Infrastructure Resilience, Systemic Risk and Inclusive Development

Abstract: Climate finance increasingly depends on the credibility of carbon claims, the resilience of physical infrastructure, the containment of networked financial risk, and the equitable distribution of transition benefits. Yet these domains are commonly modelled in separate analytical systems, creating blind spots when climate hazards, carbon-market quality, infrastructure disruption and financial contagion interact across geography. This paper develops a Geospatial Quantum-AI Climate-Finance Digital Twin (GQAI-CFDT) framework that integrates geospatial observations, carbon measurement-reporting-verification signals, infrastructure state variables, market and credit networks, socioeconomic indicators, topological descriptors and probabilistic machine intelligence in a unified decision architecture. The methodology combines a coupled state-space model, graph and persistent-topology representations, Bayesian risk updating, constrained multi-objective optimisation and digital-twin feedback. A normalized 0-10 numerical demonstration is used only to illustrate the mechanics of the proposed framework; no empirical causal claims are made. The illustrative baseline produces an integrated capability score of 7.60 and a risk-adjusted score of approximately 7.02 after uncertainty, market-fragility and inequity penalties. Scenario analysis shows how stronger carbon verification and infrastructure resilience can improve the decision score, while correlated climate-financial shocks can materially reduce it. The paper contributes a cross-sector architecture that links carbon integrity to spatial evidence, infrastructure resilience to hazard propagation, systemic risk to network topology, and inclusive development to distributional constraints. It thereby offers a research blueprint for future empirical digital twins capable of supporting auditable climate investment, resilience planning, transition-risk management and equity-aware policy design. Keywords: geospatial intelligence; quantum-AI; climate finance; digital twins; carbon integrity; measurement reporting and verification; infrastructure resilience; systemic risk; topological data analysis; climate transition; inclusive development; spatial equity; network contagion; probabilistic forecasting; resilient investment