The Digital Energy Ecosystem: Opportunities for Banks and Energy Companies
By bridging the gap between energy production and consumption across geographical boundaries, Digital Energy offers strategic investors a unique opportunity to be at the forefront of the next energy revolution.
The Digital Energy project, led by Helles Solar Capital, is a groundbreaking initiative that combines blockchain technology, consumer participation, and leveraged financing to democratize investment in solar energy projects. This innovative approach empowers individuals to transform their energy bills into a profitable investment, creating a new asset class in the renewable energy sector.
FP
by Filipe Pedrini
Helles Solar Capital
2024
Turning Energy Bills into Wealth
Imagine a world where your energy bills become an investment, generating wealth instead of draining your wallet. This is the revolutionary concept behind DIGITAL ENERGY, a groundbreaking approach to renewable energy investment that transforms consumers into stakeholders in the global energy market.
While Europe's solar panels struggle with limited sunlight, Brazil basks in an abundance of solar energy, producing 63% excess annually. The project's innovative approach doesn't just overcome this hurdle – it transforms it into an unprecedented investment opportunity.
What if you could transform your energy bills into a lifelong monthly profit stream, turning a regular expense into a valuable asset?
2024
What is DIGITAL ENERGY?
DIGITAL ENERGY is an fintech service, innovative financial model that combines blockchain technology, consumer participation, and leveraged financing to democratize investment in solar energy projects.
Through a Mobile App, DIGITAL ENERGY allows individuals to convert their future energy payments into a one-time investment in solar tokens, potentially generating returns that far exceed their current energy costs. Users get a debt card with monthly returns to pay his energy bill, spend it or cashout.
Digital Energy revolutionizes the way individuals interact with and benefit from renewable energy.
The process begins with an investment in Energy Stable Coins (ESCs), representing fractional ownership in high-yield solar parks. To make this investment accessible to a broader audience, Digital Energy partners with financial institutions to offer a Consumer Loan Program.
This program allows individuals to secure a personal loan based on their projected lifetime energy costs, effectively transforming future energy bills into a one-time investment opportunity.
Once invested, ESC holders start earning automatic dividends generated from energy sales. These dividends are used to offset the loan payments and personal energy bills, creating a self-sustaining cycle where the investment potentially covers both the loan and ongoing energy costs.
The loan terms are carefully optimized to ensure affordability while maximizing investment potential, making it possible for consumers to participate in large-scale renewable energy projects that were previously accessible only to major corporations or wealthy individuals.
The Digital Energy ecosystem offers flexibility through a secondary market where ESCs can be bought or sold as needed. This liquidity feature allows investors to adjust their positions based on personal circumstances or market conditions. For those looking to exit their investment entirely, a token buyback program provides a guaranteed way to cash out.
The Consumer Loan Program, combined with the dividend structure and flexible exit options, accelerates the adoption of Digital Energy by transforming traditional energy bills into manageable loan payments that have the potential to generate long-term financial benefits while contributing to sustainable energy production.
Transforming Energy Investment
The Helles Solar Capital Digital Energy project emerges as a groundbreaking solution that challenges traditional energy investment models.
This innovative venture isn't just another solar energy project; it's a paradigm shift in how we perceive, consume, and invest in energy. By bundling cutting-edge technology providers and developing a total solution, Helles Solar Capital is poised to disrupt the energy sector in ways previously thought impossible.
At its core, the Digital Energy project addresses a fundamental inefficiency in the global energy market: the disparity between energy production potential and consumption needs across different geographical regions.
While European solar panels face weather and sun restrictions, Brazil is shining with 63% extra power from the same solar panels.
The inability to efficiently transport this energy across continents has long been a stumbling block in the renewable energy sector. However, Helles Solar Capital's innovative approach doesn't just overcome this hurdle – it transforms it into an unprecedented investment opportunity.
Transforming Consumers into Investors
The project's brilliance lies in its reimagining of the relationship between consumers and energy providers. Traditionally, individuals are locked into a lifelong cycle of energy debt, making monthly payments to their providers with no end in sight.
The Digital Energy project flips this model on its head, offering consumers the chance to convert their future energy payments into a one-time investment in solar tokens. This isn't just about eliminating monthly bills; it's about empowering consumers to become investors in their own energy future, potentially generating returns that far exceed their current energy costs.
What sets the Helles Solar Capital Digital Energy project apart is its sophisticated integration of blockchain technology, leveraged financing, and a token buyback program. This isn't merely a technological solution; it's a financial innovation that creates a new asset class in the energy sector. By making large-scale solar investments accessible to individual consumers and offering attractive returns with liquidity options, the project democratizes access to renewable energy investments.
That how you kill your energy bill.
Digital Energy’s mobile app enables users to invest in and own a share of a solar power plant, offering tokenized returns and a debit card for cashing out or paying energy bills.
MVP ENERGY BILL KILLER
Vision
A future where energy bills are obsolete, replaced by profitable cashbak platform
Mission
Build a sustainable, self-reinforcing ecosystem that aligns individual financial interests with global environmental goals.
Goals
Setup an MVP for a 100% working system
Reduce energy prices
Provide 10%-15%yr returns in cashback
Build 20MW Solar plants in Brazil
Develop Key Partnerships
Raise Capital for next 1GW
Strategy
- Create user-friendly app for solar investing and energy management.
- Partner with banks for consumer loans, enabling household solar investments.
- Deploy blockchain for secure Energy Stable Coin and dividend management.
- Partner with solar developers in high-yield areas for profitable projects.
- Use 70/30 debt-equity model to boost returns and scale projects.
The Digital Energy Transformation
Digital Energy, as pioneered by Helles Solar Capital, combines blockchain technology, cross-border investments, and consumer empowerment to create a new asset class in the energy sector.
This model allows for tokenization of energy assets, enabling fractional ownership of high-yield solar parks. It also facilitates global energy optimization by bridging geographical gaps between energy production and consumption.
Furthermore, it transforms consumers into investors, turning energy consumers into stakeholders in renewable energy production. Lastly, it creates a smart financial ecosystem that automates dividends and generates new revenue streams.
Digital Energy Key Features
Transforming Consumers into Investors:
Consumers can convert future energy payments into a one-time investment in solar tokens, potentially yielding higher returns than current energy costs. Technological Integration: The project integrates blockchain technology, leveraged financing, and a token buyback program, creating a new asset class in the energy sector. Democratizing Access Large-scale cross border solar investments become accessible to individual consumers, offering attractive returns and liquidity options, thus democratizing renewable energy investments. Mobile App Modile App for user smartcontract subscription, credit analysis and token management Debt Card Debt card where Users can withdraw or spend his monthly cashbacks and pay his energy bill
KILL THE ENERGY BILL,
GET YOUR ENERGY CASHBACK
Digital Energy Main Benefits for Users
1
Wealth Creation
Turn your energy expenses into potential profits.
2
Accessibility
Invest in large-scale solar projects with minimal entry barriers.
3
Liquidity
Easily trade your investment through a secondary market.
4
Consumer Loan Program
Partnering with financial institutions to offer consumers personal loans for ESC purchases.
5
Leveraged Investment, Enhanced Returns
Leveraged structure aims to boost Returns over Equity invested from 10% to 15-20% year
6
CashBack
Use the monthly payouts into a debt card, and spend your energy dividends
How It Works
Digital Energy model leverages blockchain technology, cross-border investment, and innovative financial products to create a win-win situation for consumers and the renewable energy sector. It allows consumers to potentially eliminate their energy costs while investing in clean energy production, and provides a new funding mechanism for large-scale solar projects in high-yield locations like Brazil.
1
Invest
Purchase Energy Stable Coins (ESCs) representing fractional ownership in solar parks.
2
Earn
Receive automatic dividends from energy sales.
3
Trade
Buy or sell ESCs on the secondary market as needed.
4
Exit
Utilize the token buyback program when you want to cash out.
Digital Energy aims to make large-scale solar investments accessible to individual consumers while providing attractive returns and liquidity options. By leveraging blockchain technology, cross-border investment, and innovative financial products, it creates a win-win situation for both consumers and the renewable energy sector.
Consumers can potentially eliminate their energy costs while investing in clean energy production, and the model provides a new funding mechanism for large-scale solar projects in high-yield locations like Brazil.
Token-Based Debit Card Payment System
This system enables users of a digital banking service to convert their cryptocurrency tokens into fiat currency for spending via a debit card. The company, already a sub-acquirer of a payment institution, integrates this feature into its existing digital banking platform.
This implementation leverages the company's existing digital banking and sub-acquirer infrastructure while adding the capability for users to seamlessly use their digital energy tokens for everyday fiat currency transactions. The system provides a unique bridge between the energy market and traditional financial world, offering users flexibility in managing their energy assets and promoting sustainable energy practices.
MVP CAPEX USAGE
Key Components
- Digital Banking App
- Token Wallet
- Fiat Currency Account
- Token-to-Fiat Conversion Engine
- Debit Card Issuance and Management System
- Transaction Processing System
- Security and Compliance Module
Technical Architecture
- Microservices architecture for scalability and modularity
- API-first design for easy integration with existing systems and future expansions
- Use of distributed ledger technology for token transactions
- Cloud-based infrastructure with multi-region deployment for high availability
Core Infrastructure Investments
- Cloud based MVP
- Secure Server Infrastructure for scaling
- Blockchain Infrastructure and management
- Data Centers
Software Development
- Energy Token Wallet Development
- Energy-to-Fiat Conversion Engine
- Mobile and Web Application Development
- Security Systems
Integration and Partnerships
- Payment Network Integration
- Energy Market Integration
- Token Management
- Open Banking System
- Marketing
Regulatory Compliance
- Company Constitutions
- Licensing Fees
- Compliance Management System
- Legal and Regulatory advisory
User Flow : From on boarding to cashout
1
Account Setup
- User registers or logs into the energy-focused digital banking app
- Completes additional energy market-specific KYC if needed
- Activates digital energy token wallet feature
2
Token Acquisition
- User earns tokens through energy-saving activities or renewable energy generation
- Alternatively, user can purchase energy tokens
3
Token-to-Fiat Conversion
- User initiates conversion of energy tokens to fiat
- System provides real-time exchange rate based on current energy market prices
- User confirms conversion
- Energy tokens are converted and fiat is credited to the user's account
4
Debit Card Usage
- User can immediately use virtual debit card for online purchases
- Physical card can be ordered for point-of-sale transactions
- Transactions draw from the fiat balance
5
Automatic Conversion
- User can set up rules for automatic energy token-to-fiat conversion
- E.g., convert tokens when fiat balance falls below a certain threshold or based on predicted energy consumption
6
Energy Consumption Monitoring
- User can view energy consumption patterns and how they relate to token earnings and spending
- System provides suggestions for energy-saving activities to earn more tokens
A Business ecosystem strategy is a comprehensive approach to business operations that aims to leverage the collective potential of the ecosystem within which a company operates.
The transition from traditional banking to open finance marks a significant shift in the financial sector, moving from closed systems to collaborative ecosystems. Traditional banks rely on their own resources, limiting innovation and customer-centric services. In contrast, open finance leverages API platforms and third-party partnerships to create a more dynamic and flexible financial landscape.
This model allows brands to integrate with existing bank accounts, broadening the range of available services and enhancing interoperability. By empowering customers with tailored, user-centric banking experiences, open finance transforms the industry from a product-centric approach to a service-oriented ecosystem that better meets the needs of modern consumers and businesses.
Applying the Ecosystem Concept to Digital Energy
The Digital Energy Ecosystem is a network of stakeholders leveraging digital technologies to revolutionize the energy sector. It includes energy providers, consumers, and technology companies working together for a more efficient, sustainable, and accessible energy landscape.
Key players are renewable energy developers, blockchain technology providers, financial institutions, and regulatory bodies. This ecosystem integrates diverse energy sources, smart grid technologies, and financial instruments, enabling real-time energy trading, transparent carbon offsetting, and personalized energy management.
A comprehensive business ecosystem strategy for Digital Energy will focus on leveraging the collective strengths of its partners to create a robust and innovative platform.
Strategic Partnerships involve
Financial institutions
for consumer loans
for consumer loans
Energy providers in Europe
for bill integration
for bill integration
Solar park developers
and operators in Brazil
and operators in Brazil
Blockchain technology providers
Regulatory consultants
By orchestrating these partnerships, Digital Energy can create a comprehensive ecosystem that addresses various aspects of the energy sector, from production and distribution to financing and regulation, ultimately delivering greater value to customers and stakeholders.
- Integrating financial institutions' consumer loan offerings to facilitate easy financing for renewable energy projects.
- Collaborating with European energy providers to streamline bill integration and provide a seamless user experience.
- Partnering with solar park developers and operators in Brazil to expand the renewable energy portfolio and increase investment opportunities.
- Utilizing blockchain technology providers to ensure secure, transparent transactions and enable innovative features like peer-to-peer energy trading.
- Engaging regulatory consultants in both Europe and Brazil to navigate complex energy and financial regulations, ensuring compliance and identifying growth opportunities.
Smart Financing
Smart finance leverages advanced technologies like blockchain and AI to create innovative financial products and services that are more efficient, transparent, and accessible. By integrating these technologies, smart finance can offer real-time transaction processing, enhanced security, and personalized financial solutions.
This approach not only reduces costs and operational inefficiencies but also democratizes access to financial services, making it easier for individuals and businesses to participate in the global economy. The key attraction points include increased transparency, reduced fraud, faster processing times, and the ability to tailor financial products to individual needs, ultimately leading to a more inclusive and efficient financial ecosystem.
Loan Structure: Digital Energy provides loans to users with payments proportional to their energy bills. We aim to create a zero financial impact for the user, therefore no transition costs. Easy to say, yes.
Financing Structure and Governance
Leveraged Investment:
70% debt, 30% equity structure to finance solar projects
Potentially increases returns on equity
Token System:
Energy Stable Coins (ESCs) represent fractional ownership in solar parks
Provides governance and liquidity
Consumer Loan Program:
Partnering with financial institutions to offer consumers personal loans for ESC purchases
Token Buyback Program:
Implements a buyback mechanism for investor exits
Supports token value and liquidity
Liquidity Mechanisms
Secondary Market:
Establishes a platform for trading ESCs
Dividend Distribution:
Automatic distribution of dividends from energy sales to token holders
Buyback Fund:
Allocates a percentage of profits for repurchasing tokens from exiting investors
Leverage Strategy
Debt Financing:
Secures long-term loans or issues green bonds
Uses solar assets as collateral
Enhanced Returns:
Leverage potentially
increases ROE from 10% to 15-20%
Scaling Capability:
Allows funding of larger projects and faster scaling
Strategic Opportunity for Established Players
For established banking and energy companies, Digital Energy represents not just an investment opportunity but a chance to be at the forefront of the next energy innovation breakthrough. Strategic investors should take notice :
1
New Market
It allows for market expansion by tapping into new customer segments and geographical markets without the need for physical infrastructure expansion.
2
Innovation
Offers technology integration, enabling companies to leverage existing blockchain and fintech capabilities to create new products and services.
3
Scale and Acceleration
Aligns with sustainability goals, accelerating the transition to renewable energy while maintaining profitability.
4
Loan backed by assets
Povides risk mitigation backed by real assets, loans based on energy usage, diversifying portfolios and leveragin into renewables at its best generation capacity.
5
Retention
Enhances customer retention by offering innovative products that attract environmentally conscious consumers. Lastly, it ensures regulatory alignment, helping companies stay ahead of evolving energy regulations and carbon reduction mandates.
By partnering with Helles Solar Capital, strategic investors can significantly enhance the scalability of the Digital Energy.
Digital Energy is a powerful way to increase financial services value added from renewable energy surplus. Offer cutting-edge products that increase customer loyalty and attract environmentally conscious consumers, but moreover, also increases investment returns.
This partnership can provide global reach, utilizing existing international networks to rapidly expand into new markets. New customer segments and geographical markets without the need for physical infrastructure expansion.
Capitalize on geographical energy surpluses and deficits, facilitating efficient energy distribution across borders.
It can also leverage established banking systems to facilitate seamless cross-border transactions. Additionally, it allows for the application of industry knowledge to optimize energy production and distribution models. Finally, it lends credibility to the Digital Energy concept, accelerating consumer adoption.
About Us
We want to kill the energy bill. We are now looking forward for seed funding to develop an MVP for an open banking payment platform.
For a detailed business plan and investment pitch, please reach out:
Filipe Pedrini as Bill Killer
Filipe Pedrini
Founder of Helles Solar Capital & DIGITAL ENERGY
I am Filipe Pedrini, the founder of Helles Solar Capital, established in 2016. I hold an MBA in Marketing and a bachelor’s degree in Advertising.
My specialization lies in structuring solar GD projects and securing investments for funds and banks. My expertise extends to M&A transactions, strategic planning, and economic feasibility studies. Under my leadership, Helles Solar Capital has provided advisory services for over 200 MW in GD projects.
Additionally, I possess extensive knowledge in AI, Web3 tokenization, regulatory frameworks, and open banking.
My specialization lies in structuring solar GD projects and securing investments for funds and banks. My expertise extends to M&A transactions, strategic planning, and economic feasibility studies. Under my leadership, Helles Solar Capital has provided advisory services for over 200 MW in GD projects.
Additionally, I possess extensive knowledge in AI, Web3 tokenization, regulatory frameworks, and open banking.
Are you a Partnert or Investor?
Helles Solar Capital - www.helles.solar
Helles Solar Capital excels in identifying and developing solar energy projects, providing strategic planning and consulting for renewable energy integration, and specializing in distributed generation projects. Since 2016 with a proven track record of delivering large-scale solar projects, deep industry knowledge, and a focus on digital transformation, Helles Solar Capital leverages technology to create innovative energy solutions.
Helles Solar Capital - Paris
FR +33 07 84 29 08
Digital Energy Presentation Book
by Helles Solar Capital
All rights reserved
by Helles Solar Capital
All rights reserved
2024
