This paper offers an ecocritical analysis of Kim Stanley Robinson’s New York 2140, examining how the text departs from traditional post-apocalyptic nihilism to stage a critical dialectic between speculative finance and planetary mutation. Synthesising Jason W. Moore’s critique of the Capitalocene with the materialist paradigms of the “wet ontology” pioneered by Philip Steinberg and Kimberly Peters, this study explores how a mid-twenty-second-century Manhattan, severely flooded by catastrophic sea-level rise, becomes a frontier for financial commodification. Through an analysis of Robinson’s “Intertidal Property Index,” the paper illustrates how disaster capitalism seeks to transform environmental precarity into a high-yield asset class. Concurrently, the text demonstrates how the non-human material agency of the ocean tides continuously ruptures the terrestrial algorithmic logic of Wall Street. This structural collapse shifts the narrative toward a solarpunk ethos, embodied by the cooperative, climate-resilient ecosystem of the MetLife tower. By tracking the text’s trajectory from hyper-financialisation to a city-wide rent strike, this paper argues that Robinson positions the fluid geography of a drowned New York as a site of radical political potential. The high-water mark of capital is reached when the physical limits of the biosphere dissolve the abstract frameworks of capital accumulation, asserting that ecological survival demands the reclamation of a radical, democratic, and aqueous urban commons.