Translating climate risks to real-world risks, using physics.

Climate digital twins for real-world impacts on buildings, structures, and homes.

Orbyfy helps big banks, financial services firms, and major reinsurers quantify acute physical climate risk exposures across asset and loan portfolios.

Orbyfy uses the most accurate 3D models of a portfolio, region, or geographic zone to simulate climate risks on buildings, structures, and homes. Translating climate risks to climate forces and damage categories. Assess acute physical climate risk impacts via digital twin simulations. Orbyfy’s mission is to be the leading earth observation climate digital twin platform.

  • Hurricane and wind impact simulations

  • Flooding and hydrodynamic simulations

  • Hail and impingement simulations

  • Fire and thermodynamic effect simulations

  • Drought simulations

  • Earthquake and vibrational impacts simulations

  • Erosion and coastal effects simulation

  • Scenario Analysis & Stress Testing

    Multi-physics simulations enable financial services firms to explore various climate scenarios. For instance, they can model the effects of rising sea levels, extreme temperatures, and natural disasters on their loan portfolios and investments. By stress-testing their balance sheets under different climate scenarios, firms can assess their resilience and identify areas that require attention. This helps them prepare for potential shocks and adapt their risk management strategies.

  • Insurance & Risk Transfer

    Financial services firms can use climate simulations to evaluate insurance needs. For example, they can assess the likelihood of property damage due to extreme weather events and determine appropriate insurance coverage. Additionally, simulations inform the design of catastrophe bonds and other climate-resilient financial instruments. These mechanisms allow banks to transfer risk to the capital markets, reducing their exposure to climate-related losses.

  • Investment Decisions & Green Finance

    Climate simulations guide financial services firms in making sustainable investment choices. By understanding the physical risks associated with certain sectors (i.e., real estate, agriculture) firms can allocate capital to climate-resilient projects. Furthermore, these simulations support the development of green finance initiatives. Financial services firms can identify opportunities to finance climate adaptation and mitigation projects, contributing to a more sustainable economy.

Orbyfy uses 3D building, structure, home, and terrain data in conjunction with physics-informed AI to simulate real-world impacts of acute physical climate risk.  

  • Models: Multi-physics simulation models (physics-informed AI) and scenario analysis to assess climate risks on their assets, operations, and customer, commercial, and residential loan portfolios. 

  • Buildings: Building and geographical area simulation based on 3D structure data to determine climate force magnitudes and model approximation of structural response.

  • Data: Injection of GIS and weather data from open sources: USGS, NOAA, FEMA; injection and integration of property data and bank-specific databases.

  • Scores: Risk scores for acute physical climate risk: hurricane, flood, fire, earthquake, droughts.  Translation of physical phenomena into risk.

  • Stress Testing: Upper bound of acute physical climate risk in portfolios via modeling different cases: moderate to 100-year storm events; alignment with NGFS climate risk scenarios.

  • Visualization: Application and simulation visualization and reduced order models to integrate into downstream financial modeling scenarios and tools; data fabric integrations.  

  • Methodology: Provides a repeatable assessment approach to emergent climate financial regulation: FRB FDIC & OCC Climate Principals (US), OSFI B-15 (Canada), EU Sustainable Finance Package (EU).

3D Simulation Digital Twin for Climate Risk 

  • Structural simulation variable: 3D building surface area 

  • Complex building structures and dynamic influence of other external building structure 

  • Multiple structures; cities, campuses, geographies 

  • High complexity: high building density 

  • Moderate-to-high impact of terrain or topology (changes in elevation) 

  • Model impacts of all acute physical climate risk across loan portfolios; hurricane, wind, floor, fire, etc. 

    • Leveraging physics-informed AI of interaction of climate forces to 3D building structural response

  • Model composite or aggregate building material profiles; approximations: concrete, steel, wood, glass, etc.  

  • Value & Outputs: 

    • Model complex geographies and climate risk interactions 

    • 3D and map-based visualizations 

    • What-if scenarios 

    • Supports localized geographic and location-specific simulations and output report 

    • Relative risk score card across across specified geography, buildings, or critical areas within loan portfolio

    • Worst case scenario of 100-year-storm historical climate data used to set initial conditions to vary future projection results

Partnerships

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