For banks & property financiers
Finance value retention, not refurbishment risk.
Bankable from the ground up.
Dezentrale Multi-Energie-Systeme // DMES
Climate risk sits in your mortgage book.
Properties that miss the emissions reduction pathway may lose value and marketability and become stranded assets, both as collateral and in reporting. Supervisory authorities and internal ESG targets also demand measurable progress in the credit portfolios, while green-finance require qualified assets. The solar obligation and expected negative feed-in prices from 2027 sharpen the picture, because PV without storage may weaken the capitalised earnings value. The question is not whether clients will upgrade their properties in energy terms, but with which system they will use and how will it be financed.
Collateral that can become more valuable every year.
A DMES can turn a property into a revenue-generating energy system. Lower ancillary costs may create room for higher net rents and raise the capitalised earnings value. Owner's may also benefit from electricity tariffs and flexibility revenues. The emissions reduction pathway can be monitored measurably, year after year. The system is designed for financeability, with Long-Term Service Agreements, performance commitments across the project term and main components that are interchangeable across manufacturers. The National Research Programme “Energy” of the Swiss National Science Foundation recommends decentralised multi-energy systems, or DMES.
Summer // surplus
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Photovoltaics
Own production on the roof
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Electrolysis
Electricity becomes hydrogen and heat
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H₂ in metal hydride
Solid state at 35 bar, inside the building
Winter // demand
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Fuel cell
Hydrogen becomes electricity and heat
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Electricity
Site, vZEV and LEG, grid
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Heat
Heating, hot water, heat network
over 75% overall efficiency with combined electricity and heat use · over 30 years’ service life · 0.5 to 16 MWh per room · modularly scalable to over 100 MWh
The basis for credit assessment.
Up to twenty years
Performance guarantee for the metal hydride storage technology. This is one basis for financeability.
More than 30 years
Service life within the mortgage horizon. The system is designed as long-term infrastructure.
CHF 2 million
Average project volume. Each installation may form a financeable asset and provide a point of entry with the property client.
Since April 2024
Proven in live operation. The installation in Eich LU operates at full load and provides operating data for the credit assessment.
SVGW H10001
Standardised safety. The technical bulletin for building-integrated H₂ systems was co-authored by eRevo. It provides a basis for approval and fire-safety planning.
More than 75%
Overall efficiency with coupled use of electricity and heat.
Climate risk out, credit quality in.
Every financed property with a DMES may improve the climate balance of the portfolio and may qualify for green mortgages and sustainability-linked loans, subject to the relevant criteria. Refurbishment risk in the collateral can become an asset that supports returns over the long run.
What your bank gains from it.
Better credit risk.
Higher net rental income, lower energy costs and measurable progress along the emissions reduction pathway can make the property more valuable collateral, today and at future revaluations.
Qualified assets for green products.
DMES projects may provide assets for green mortgages and sustainable investment products, subject to the applicable criteria.
The advisory role with the client.
Those who understand this asset class early can approach property clients proactively about protecting value. Delivered by eRevo AG Energy Revolution, the pioneer of decentralised multi-energy systems in Europe, proven in real-world operation since April 2024.
The next step
Bankability dossier
Long-Term Service Agreements, guarantees, operating data and standards, prepared for your credit assessment. A technical discussion with our team is also available, at your offices or directly at the installation in Eich.