<p>As global economies strive for net zero targets-based sustainability amidst the emergence of disruptive technologies, a comprehensive understanding of financial technology and green growth is crucial for formulating future strategies. The research explores the impact of the adoption of financial technology on sustainable green growth from 2004 to 2021 within the Belt and Road countries, investigating the moderating influence of hierarchical institutional quality, categorized as overall, higher, and lower levels. Employing the two-step system GMM, further endorsed by Driscoll-Kraay fixed-effect regression and 2-SLS methods, the results highlight that the adoption of financial technology has emerged significant positively as a prevailing tool to drive sustainable green growth. Notably, overall and higher levels of institutional quality endorse sustainable green growth, whereas weak (lower-level) institutional quality exhibits a negative moderating effect. The research incorporates several socioeconomic and business elements, including business freedom, socioeconomic conditions, urbanization, business-led-tourism, and household spending. Mixed outcomes were observed for these socioeconomic and business indicators across different levels of institutional quality. The study provides fintech-driven policy implications and encourage policymakers and governments to promote contemporary financial technologies while simultaneously prioritizing institutional quality to accelerate the transition to green economies and greener future.</p> Graphical Abstract <p></p>