Banking & Insurance

FinanceGuard™️ digital twins for climate risk, stress-testing & portfolio resilience

Harness physics-grounded climate simulations to quantify loan and policy vulnerability, satisfy evolving regulations and optimize capital reserves—no hidden assumptions, just first-principles insight.

FinanceGuard™️ Physics-AI Digital Twins for Financial Services

Why Banks & Insurers Need Climate Digital Twins

  • Rising Losses: Insured losses from natural catastrophes reached an estimated $140 billion in 2024, driven by floods, wildfires and storms.

  • Regulatory Pressure: Global mandates (SEC climate disclosure rule, OCC guidance, ECB stress-tests, NGFS recommendations) require scenario-based risk quantification under multiple climate pathways.

  • Portfolio Resilience: Fine-grained hazard insights unlock optimized loan-loss reserves and reinsurance placements—avoiding over-capitalization or under-provisioning.

Orbyfy FinanceGuard™️ Digital Twins embeds partial-differential equations into neural nets, delivering explainable risk metrics for every asset—no PhD required.

Regulatory Stress-Testing & Climate Disclosure

Satisfy SEC, OCC, ECB & NGFS climate stress-test requirements. Banks and insurers must demonstrate capital adequacy under 1-in-100-year flood, wildfire and storm scenarios. Manual or coarse-resolution models lead to high buffer capital or regulatory pushback.

  • Orbyfy FinanceGuard™️ Digital Twins

    • Scenario Explorer: Run dozens of regulatory-mandated scenarios in minutes, using city-scale digital twins driven by real-time and forecast weather data.

    • Automated Reporting: Generate standardized stress-test deliverables—hazard maps, PD/LGD curves, capital-reserve tables—formatted for regulatory submission.

  • Value Delivered

    • 20% reduction in excess capital buffers by using precise, physics-based risk metrics

    • 100% compliance with evolving disclosure frameworks

    • Hours, not weeks: compress scenario generation and reporting time by up to 90%

Precision Underwriting & Risk-Based Pricing

Improve property-casualty underwriting accuracy for extreme events. Traditional actuarial models underestimate localized hazard intensity, contributing to loss ratios above 100% in some portfolios. Insured losses from floods and wildfires have climbed 30% year-over-year in vulnerable regions.

  • Orbyfy FinanceGuard™️ Digital Twins

    • Asset-Level Hazard Fields: Calculate site-specific flood depths, fire intensities or wind pressures using physics-informed PDEs and high-resolution inputs (elevation, soil, vegetation).

    • Dynamic Risk Scores: Produce time-varying risk cards that combine hazard intensity with building composition and code compliance layers.

  • Value Delivered

    • 5–10% improvement in combined-ratio through more accurate pricing

    • 30% fewer surprise claims by pre-identifying high-exposure risks

    • Seamless API integration into underwriting platforms for real-time quote adjustments

Mortgage & Collateral Portfolio Resilience

Monitor and mitigate climate exposure in real-estate loan books. U.S. banks hold over $10 trillion in mortgage collateral, with 10% of properties in high-risk flood or wildfire zones. Static, census-block analyses obscure neighborhood-scale variations in hazard exposure.

  • Orbyfy FinanceGuard™️ Digital Twins

    • Geo-Tagged Risk Layers: Overlay individual mortgage addresses with granular flood-depth or fire-intensity maps, updated daily via API.

    • Climate-Adjusted PD & LGD: Compute probability of default and loss-given-default curves under multiple return-period scenarios.

  • Value Delivered

    • 15% reduction in unexpected credit losses by proactively adjusting reserves

    • Automated Alerts for loans crossing hazard thresholds, enabling targeted remediation efforts

    • Portfolio Climate VaR tables ready for investor reporting and asset-liability management

Orbyfy FinanceGuard™️
Digital Twins

Quantify climate risk as easily as searching for an address on Google Maps.

Orbyfy™️ helps big banks, financial services firms, and major (re)insurers quantify acute physical climate risk exposures across asset and loan portfolios.

  • Reduced climate scenario analysis costs: 30-50% reduction

  • Model uplift: climate risk to climate forces to damage categories

  • High-fidelity and high-granularity: enhanced portfolio-wide risk analysis

  • Reduced loan default rates, improved capital adequacy ratio, reduced loss ratios

  • Regulatory compliance

Our solutions

  • Orbyfy

    Orbyfy Physics-AI Digital Twins™️

    Adaptable city-scale digital twins for climate risk modeling: hurricanes, flooding, wildfire, hail, drought & erosion. Making climate risk impact data accessible and as easy as searching for an address. Period.

    Learn more
  • Orbyfy

    Orbyfy Aqualyt™️ Flood Digital Twin

    City-scale hydrologic digital twins powered by Physics-AI. Translating flood climate risks into hydrologic forces, inundation depths and damage impacts on buildings, infrastructures and communities.

    Learn more
  • Orbyfy

    Orbyfy Ignite™️ Wildfire Digital Twin

    City-scale wildfire intensity and propagation twins powered by Physics-AI. Translating wildfire climate risks into climate forces and impacts and damages for buildings, infrastructures and homes.

    Learn more

Orbyfy FinanceGuard™️

Geolocate risks. As easy as searching for an address on Google Maps.

Key benefits for financial services

  • Real-Time, Browser-Based UI: Intuitive map layers, time-slider controls and exportable GeoJSON/CSV.

  • API-First Integration: Plug hazard and risk data directly into credit, underwriting or portfolio-management systems.

  • Explainable Physics-AI: Every metric backs to first-principles PDEs—no “black-box” surprises.

  • Custom “What-If” Scenarios: Stress-test any climate-driven hazard at 10-, 50- or 100-year return periods.

  • 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), Biennial Exploratory Scenario (England), EU Sustainable Finance Package (EU).

Start a pilot today. Let us show you how.

  1. Request a Demo → Explore regulatory scenarios, underwriting risk maps and collateral-monitoring dashboards.

  2. Integrate via API & Outputs → Automate climate-risk analytics within your existing financial-services workflows.

  3. Partner with Orbyfy → Co-develop bespoke financial-modeling modules and resilience strategies.

Empower your institution with physics-backed digital twins—because true financial resilience demands true-world fidelity.

Quantify acute physical climate risk impacts on
buildings, infrastructures and homes.