How it Works
APP
Digital Energy
Pitch Deck: Cashback from the sun.
Paris, 21/10/2024

by Filipe Pedrini

Company Description
Company Name: DIGITAL ENERGY Founder: Filipe Pedrini
email: [email protected]
Tagline
Turning Energy Bills into Profits with Solar Ownership
Company Description
DIGITAL ENERGY is a lending platform, as a credit intermediary that allows apartment owners to invest in remote solar farms worldwide. By offering shares in large-scale renewable projects, we help users reduce or eliminate their energy bills with no upfront payment. We connect users with banks for loans and provide monthly cashback from their energy shares. Our AI-driven investment and loan proposals turn energy costs into profitable assets, offering returns that offset energy bills or generate extra income.
MVP & Launch: € 6.6 Million
  • 18 months MVP
  • Energy Assets ready for investment
  • Assets and Platform Developments =€1,5Million Platform & €5,1Million for 5MW solar asset
  • Solar asset revenue, IRR: 12% over €5,1M during MVP = €48k month returns, therefore, platform breaks even BEFORE Launch.
Funding Target Stage 2: +€ 50 Million
Loan Amount Stage 3: +€ 175 Million
Target Investors
Venture Capital, Private Equity, Banks and Institutional Lenders
Digital Energy in a short
Digital Energy lets people own a share of a solar farm, even if they live in an apartment. Instead of paying monthly energy bills, they earn from the energy their share generates. Designed for everyday apartment residents looking to cut energy costs and support the planet, our platform transforms lifetime energy expenses into income through solar investments. Imagine never paying to recharge an electric vehicle again—we make it possible! By connecting high-capacity solar regions to European users, Digital Energy effectively transforms bills into 100% cashback!
What do you do?
We turn energy bills into profits with solar investments.
Who are your customers?
Apartment owners and energy users.
How far along are you?
In MVP stage, nearing market launch.
Do people want what you make?
Yes, many want income from their energy bill rather than paying for it.
Who are you?
Filipe Pedrini, MBA in Marketing, 20 years of experience, energy developer since 2016, +200MW due diligenced energy projects.
Where are you based?
Paris, France.
What round are you raising?
Seed round: €1.5 million for platform development and marketing, plus €5.1 million for a solar energy asset. Platform will reach break-even pre-launch with early energy operation.
Traction
+50MW of solar assets ready for investment
Working and Operational AI Agent.
Find out more about how digital energy eliminates the energy bill
Meet Filipe Pedrini - Digital Energy Founder

More about us

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Disruptive Vision :
Cashback makes energy bills obsolete.
A future where energy bills are obsolete, replaced by profitable cashback platform

Transform energy bills into income.
Users gent monthly Cashbacks that payout their energy bills.

Users become owners
No money upfront, easy to get in.

Cross-Continental Power
Brazilian solar energy powers European homes, lets transform how we generate and distribute energy at a global scale.

Electric Vehicles free lifetime recharge
Don't flip: on top of never paying for a recharge again, you get paid for not using your EV.
What? How is that possible?
Digital Energy
The Problem

1

2

3

4

1

Lifetime payment never ending energy bill
Consumers in France pays over +€46 billions yearly for energy.
Energy inflation: France +4.33% a year, Germany +6.72% a year.

2

High installation costs and a rooftop
A typical home user needs about €15k for solar investments, most often needing a credit solution. Users in big cities live in apartments, no rooftop.

3

Big Solar Financing Gap
High upfront costs hinder solar adoption.
Banks miss profitable renewable lending.

4

Fossil Fuel Dependency
70% of energy financing from major banks
are not in renewables, but into dirty energy.
OUR SOLUTION
Digital Energy Lending Platform
We are credit intermediaries offering a lending marketplace where users can own shares in solar farms remotely, with no upfront costs. Our mobile solution features a loan API that connects users with third party banks for financing their energy ownership. We transform users energy debt into an profitable asset, and so we create fast adoption new energy model.
Value Proposition
Solar ownership made easy.
Transform your energy bills into a positive monthly income. Leverage credit from your energy bill.
for regular
Home User
Offset energy bills. Monthly positive returns. Income instead of bills.
for EV owners, and freight
Buy an EV with no recharge costs. Wherever you charge, we´ve got your cashback.
for Energy Companies
Increased investment. Renewable growth.
for Banks
De-risked solar loans. Predictable cash flow.
Backed by structured finance.
(more into our structured model)
Turn energy bills into monthly cashback payments.
From 25% to 100% cashback, every month.
Two Options
Market Opportunity: France

1

(FRANCE TAM) Total Addressable Market
€45.8 Billion annual energy bill market.
35 million potential households.
+148,909 MWp solar capacity.

2

User Demographics
Aged 25-45, urban, tech-savvy.
Everyday home user
Average bill: €176/month.

3

Digital Energy User LTV
€1,365 per user.

4

(SAM FRANCE) Serviceable Available Market:
first 10,000 users
in the first 18months

5

Energy Asset CAPEX
first 3 year period
€175 Million in loans

6

Fund raising for MVP & Launch: CAPEX €6,6M
  • Digital Energy Platform €1,5 M
  • Energy Solar Plant 5MW= €5,1M
  • Dev & OP 1 year burn rate

7

ENERGY ASSET RETURNS
IRR: 6%-12%
PAYBACK TIME: 6 years
Backed by real energy assets, and credit enhancements
How does energy cashback works for consumers
Instead of payout a never ending lifetime energy bill, users invest and own a solar share, paying a small platform fee.

HOW USERS BENEFITS FROM LONG TERM LOAN OPTION?

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Business Model

Credit Intermediary:

An Credit Intermediary is a specialized entity that operates alongside its primary business to facilitate credit transactions, particularly in the energy sector. In this platform's context, it acts as a bridge between residential users seeking solar energy investments, banks providing loans, and Special Purpose Vehicles (SPVs) managing energy projects. The intermediary doesn't directly provide loans but assists in the credit application process, presents project opportunities, and uses smart contracts to manage financial flows. It also maintains a reserve fund to mitigate default risks and can assume the shares of non-compliant users. This role complements the platform's main function of connecting investors with renewable energy projects, streamlining the financing process while adhering to regulatory requirements for credit intermediation

Energy Asset Ownership
Users finance solar farm shares.
Lending marketplace for Banks
API integration, KYC/AML and credit analysis
No Upfront Cost
Loans tied to energy bill payments.
Revenue Streams
Digital Energy and banks earn fees,
extra revenue from user LTVA
Monthly Cash Returns
Passive income from energy production.
Why Banks Should Invest
Innovative Lending
Solar-backed loans reduce lending risk.
New Revenue Streams
Interest-generating loans to a growing market.
Credit Enhancements
Loan guarantees, equipment pledges, and step-in rights as collateral.
Revenue Potential
Banks earn interest on loans with predictable cash flow from solar projects.
Long Time User Loyalty
Cashback returns adds value to banking services, or consumer marketplaces.
€175 Million
in Loans
for the first 10,000 regular household user
Risk Mitigation
  • Pooling diverse receivables from various users enhances risk mitigation and stabilizes the asset portfolio.
  • Credit Enhancements
  • Collateral Fund
  • Loan guarantees and solar share collateral protect lenders.
  • Project Finance structure
  • Prioritize loan repayment for user cashback, enforced by Smart contracts
  • Due Diligence of the underlying asset
  • Consistent cash flow ensures timely loan repayments.
  • Repayment order and seniority debt
  • Diversified Asset Pool: Spread across multiple solar projects to minimize localized risks.
  • Geographical diversification reduces localized risks.
  • AI-driven investment recommendations, and easy user onboarding.
  • Seamless loan integration with partner banks.
  • AI-powered loan management and share buyback options.

Competitors?

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Competitive Advantage
Simple Pricing:
User pay only small management fee.
Asset sellers pays for a performance fees.
• Users chose a cashback plan, according to their profiles.
• Loan-based financing via banking API ;
• Loan repayments aligned with current energy bills;
• User Pays Management FEE- only while holding shares.
• Asset Seller pays - over monthly returns.
Personal Plans made by AI Agent
AI plays an important role into Digital Energy Operations.
from facilitating user onboarding, to personalized plans and transparent loan options, regulation compliant, user assistance supervised by humans
Revenue Forecast
Based on the proxi adoption curve for Streaming Services, we expect to achieve 98% of our 10,000 target customers within 18 months from the start of the market campaign, requiring around €175 million in loans.

Initial 10,000 Users
€175 million in loans.
€13.4 million platform revenue.
Projections
Annual user savings: €23.2million.
175 MW project financing in the first 3 years.
New revenue sources
Long term user contract, for extra revenue from different sources as business scales.
Technology and Platform Features
1
Stable Returns
Fixed-income-like stability from preferred equity shares.
2
AI-Driven Suggestions
Tailored portfolios based on user profiles.
3
Energy Tracking
Monitor energy generated by shares.
4
Seamless Loan Integration
Partner banks offer direct financing.
5
Exit Buyback Option
Trade shares for immediate liquidity.
Strategic Partnerships & Roadmap

Digital Energy Development Stages

We only invite investments on our platform after completing all project layers. Digital Energy ensures our assets are fully operational, delivering the expected energy output. This guarantees monthly cashbacks for our users very month.

  • Seasoned energy team for project origination
  • Current partners include solar developers, technology providers, venture capitalist and banks.
  • We invest in Brazil and use this operation to payout for users in Europe.
The Power of Brazil
  • More sun = More returns: Brazil generates 63% more energy than Germany.
  • High solar efficiency boosts ROI, Generate solar energy in Brazil’s high-yield regions and use it in Europe.
  • Brazilian solar generation for the same CAPEX as Germany, comparison.
Track Record: Real people, real work, real assets
Investor Opinion: 93% of companies that invested in Brazil believe that the performance of their assets meets or exceeds expectations (Greener, 2024).
  • 8 Years Experience Developing Energy Assets
  • +10MW Year Growth Construction Contract
  • 50MW year capacity for greenfield construction
  • 9 months from project design until the solar plant is connected
CAPEX: platform and 5MW energy asset

CAPEX Breakdown

Regulatory & Licensing BaaS License, European Financial Licenses Legal Advisory & Compliance Management Company Constitution and Registration Costs Technology & Infrastructure Backend & API Development (Token-to-Fiat Engine, UX/UI) Cloud Infrastructure & Blockchain Management Security Systems & Data Protection Integration & Partnerships Payment Network Integration Energy Market Integration Open Banking System Deployments Marketing & User Acquisition Pilot Campaigns & A/B Testing Content Marketing & Lead Generation Brand Development & PR Team Development & Advisory Hiring Core Development & Ops Teams Training, Mentorship, and Leadership Programs Industry Experts and Advisory Board Compensation Contingency & Reserves Buffer for Unexpected Regulatory or Technical Delays Additional Legal, Security, or Infrastructure Costs

CAPEX BREAK DOWN
Why Invest?
€45.8 Billion
annual energy bill market potential in France alone
  • Capital heavy business made easy to adopt
  • Digital Energy empowers consumers, banks, and solar projects through mutually beneficial partnerships.
  • Invest in secure, revenue-backed loans with guaranteed returns.
  • Long term customer loyalty
Lending Marketplace Opportunity:
  1. First MVP & LAUNCH including 5MW Solar Asset we need €6,6Million, to develop end launch our Platform.
  1. After operational, for expansion we need to connect to Banks and Funds for lending contracts.
  1. We seek €175 million in loans from partner banks and private equity firms to expand Energy investment to 175MW
Development Roadmap
Digital Energy Team
We're experienced energy developers and constructors, prepared to deliver 50MW of renewable energy. Our trained AI team is ready to expand, and we're seeking a Venture Capitalist to support the first 5MW and further development of Digital Energy Platform.

Digital Energy AI & Human Team

Filipe Pedrini Founder Helles Solar Capital DIGITAL ENERGY Venture Capitalist CTO Full Stack Developer - API Integration Customer Success Ai Digital Energy Agent Alberto Novaes Founder Alsano EPC FIELD MANAGER CONTRACTOR Energy Business Partners Rafael Moret Founder Iriun HEAD OF ENERGY Energy Business Partners AI Investment Agent Ai Digital Energy Agent AI Legal Advisor Trained on SPD2, MICA, E-MONEY EU Regulations, CCD Compliance, AML/KYC, GDPR

For more details: AI Business Plan Pitch
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We've launched an AI model with specialized information about Digital Energy business plan.
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Digital Energy - Brazil- France
HELLES SOLAR CAPITAL - BRAZIL
Av. Jorge Amado 1565 – Jardins, Aracaju – SE
Business Development:
[email protected]
Mobile: (79) 9 8811 1500
FRANCE
31 Rue Hoche, 92310
Issy Les Moulineaux
Mobile +33 784290836
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