This study investigates how Green Fintech Innovation Influences Climate Finance Access across emerging digital economies during the 2005 to 2014 period by examining the interacting roles of digital financial systems and institutional readiness within sustainable finance ecosystems. Using a balanced longitudinal panel dataset comprising 1,400 institutional year observations across Africa, Asia, Latin America, and transitional financial markets, the study applies two-way fixed effects panel regression, moderation interaction estimation, clustered inference correction, and multidimensional index modeling to isolate causal relationships between green fintech systems and climate financing outcomes. The findings reveal that Green Fintech Innovation significantly increases Climate Finance Access through Digital Green Financing Platforms, Financial Technology Integration, Sustainable Financial Operations, and Green Financial Accessibility, with the strongest effects emerging in digitally connected and institutionally prepared environments. The moderation results further demonstrate that Institutional and Digital Readiness amplifies the effectiveness of green fintech systems by strengthening governance quality, technological reliability, and financial coordination efficiency. Robustness diagnostics confirm coefficient stability across alternative specifications and lagged estimation structures. The study extends institutional finance and digital intermediation theory by integrating technological, operational, and institutional mechanisms into a unified climate finance framework. The findings provide globally relevant policy implications for accelerating sustainable investment accessibility through digitally integrated financial ecosystems.