Realigning global finance to net-zero requires credible information, comparable metrics, aligned incentives, and responsive market infrastructure—not disclosure in isolation. This article develops the Capital–Climate Alignment Framework (CCAF), a policy-oriented architecture that integrates institutional, agency, network, and signaling perspectives with authoritative standards and supervisory tools. CCAF structures the alignment lifecycle into five stages—Data, Disclosure, Decision, Deployment, and Discipline—and maps each stage to FinTech enablers and policy levers: ISSB IFRS S1/S2-aligned reporting; ISO 14064/14097 and PCAF-based quantification and assurance; forward-looking risk analysis guided by NGFS scenarios; open-data utilities and digital MRV; and programmable instruments with embedded attestations. The framework addresses persistent frictions—transition-plan credibility gaps, ratings and data divergence, and costly verification—by making credible information cheaper to produce and easier to audit than non-credible claims are to sustain. We provide an Implementation Pathways matrix, a Standards Cross-Reference, and a Risk–Control map. The contribution is an implementable blueprint for finance ministries, supervisors, securities regulators, market infrastructures, and intermediaries seeking to accelerate net-zero capital flows.