Preheat oven to 400 degrees.
Grease a cookie sheet or baking pan.
Heat a pan over medium high with a tablespoon of olive oil.
Add the diced carrots to the pan. Cook for a minute.
Add the diced onions and minced mushrooms and cook for a couple minutes.
Add the minced garlic and kale and cook until kale is soft and onions are translucent - about five more minutes.
In a small bowl, mix the aquafaba, baking powder, mustard, ketchup, paprika, salt, and pepper. Set aside.
Add the lentils, chickpeas, vegetables in pan, and the mixture in the small bowl to a processor. If your processor is small, you may have to process in batches.
Pulse until beans are able to bind together with the veggies (enough to form a block on the cookie sheet), while still leaving somewhat chunky. This may take about ten pulses. Add the panko and hand mix it the rest of the way to make sure everything is well combined.
Using your hands and a silicone spatula, remove the processed mixture onto the greased cookie sheet and form into a rectangular loaf. It should resemble a traditional meatloaf.
With the silicone spatula, evenly spread remaining ketchup over the top of the loaf. Sprinkle brown sugar over the ketchup.
Bake 30 minutes.