Invest in the real economy
The investment is linked to an identifiable project: solar plant, wind farm, storage, hydropower or another form of energy infrastructure. Capital finances an asset with a concrete economic function.
Access Morocco’s energy infrastructure.
Qudwatt envisions simple, structured access to identifiable energy projects: the financed asset, the instrument associated with the transaction, the term, potential return and risks are clearly presented before any decision is made.
Prototype: the arrangements presented below illustrate Qudwatt’s target model. They will need to be adapted to the legal vehicle, applicable authorisation and characteristics of each transaction.
Why invest?
Connect savings with real, productive and strategic assets.
Qudwatt’s objective is to open structured access to infrastructure that produces, stores or secures an essential resource, while giving investors a new way to diversify their wealth.
Diversify beyond real estate and listed markets
Energy infrastructure can form a complementary asset class alongside traditional investments, with different performance drivers, horizons and risk profiles.
Gain exposure to long-term structural needs
Electricity, storage, grids, water and decarbonisation address long-term economic needs. Energy and industrial demand give these assets a utility that extends beyond short-term market cycles.
Participate in the Kingdom’s strategic priorities
Over time, investing in these projects could involve more Moroccan and diaspora savings in financing the energy transition, industrial competitiveness and domestic productive investment.
Access a more transparent view of the asset
Qudwatt aims to present the financed project, its structure, horizon, revenue sources, risks and return mechanics clearly, bringing investors closer to the standards of private-market investing.
Choose exposure suited to your horizon
Depending on the transaction, debt, equity or a dedicated vehicle may offer different cash-flow profiles. The investor primarily selects a project and an amount consistent with their horizon and risk tolerance.
The Qudwatt journey
Five steps before, during and after the investment.
The experience retains the simplicity of a digital platform while adding analytical depth closer to private-market standards. Scroll to follow the journey step by step.
Step 01 · 05
- Investor profile
- Analyse the opportunity
- Choose the amount
- Sign and invest
- Monitor through exit
Create an account and define your investor profile
The investor opens a personal or professional account, provides the information required for customer due diligence and completes their profile. Identity, circumstances, experience, objectives, investment horizon and ability to bear losses then help determine eligibility for transactions according to their structure. For legal entities, beneficial owners and signing authorities must also be verified.
Analyse the opportunity
Each investment case should present the asset, its stage of development, sponsor, technology, contractual framework, main economic cash flows, financing need, proposed structure and risk factors. The investor should be able to understand what is being financed before looking at the return.
Choose your investment amount
Each Qudwatt transaction is structured around a financial instrument, a term and return mechanics defined in advance. The investor therefore mainly chooses the amount to commit, within the limits set for the transaction and according to their profile. Qudwatt projections currently use an illustrative starting threshold of MAD 5,000 for certain transactions.
Sign and invest
Before investing, the investor reviews the applicable contractual and regulatory documents, acknowledges the risks and confirms their decision. Electronic signature and payment are then carried out through secure providers and channels under the selected framework.
Monitor the investment through exit
The dashboard brings together project updates, milestones, potential distributions, repayments, documents and key monitoring indicators. The frequency and nature of cash flows depend on the instrument: interest, potential dividends, amortisation or repayment of principal.
* Purely illustrative threshold for the prototype. Minimum and maximum amounts will depend on the legal framework, documentation and parameters of each transaction.
The instruments
Returns depend on how the investor enters the project.
Each transaction is offered with an instrument selected according to its financing structure. The investor does not choose the instrument: they choose a transaction and then the amount they wish to allocate to it.
Bonds or debt securities
The investor finances a company or vehicle and receives a contractual return according to the terms of the issuance.
- Interest rate expressed as % gross p.a.
- Annual or periodic interest
- Amortising principal or principal repaid at maturity
- Credit and illiquidity risk
Amortising bond
Principal is repaid progressively over the life of the security. Interest is calculated on the outstanding principal.
- Interest rate expressed as % gross p.a.
- Regular repayment of part of the principal
- Declining interest over time
- Credit-risk exposure until full repayment
Unlisted equity
The investor becomes a shareholder and is directly exposed to value creation — or destruction — in the financed company.
- Target return / target IRR, not guaranteed
- Potential dividends or exit value
- Generally longer horizon
- Risk of capital loss and limited liquidity
Dedicated vehicles
Certain infrastructure assets may be grouped or financed through a dedicated structure in order to adapt governance, risk and ticket size.
- SPV or investment vehicle depending on structure
- Exposure to an identified asset or portfolio
- Economic rights defined by the documentation
- Framework to be validated transaction by transaction
Go deeper into the analysis of an opportunity.
Project analysis, risks and resilience factors are grouped in the Analysis section to keep this investment journey clear and concise.
Who is Qudwatt for?
One asset, several investor categories.
The ambition is to create a complementary domestic channel with journeys and ticket sizes adapted to the investor type and applicable regulatory framework.
Private wealth clients
Digital access to understandable transactions, with investment amounts and eligibility adapted to the transaction, investor profile and applicable framework.
Moroccan diaspora
Over time, and subject to applicable cross-border rules, the ability to direct part of savings towards productive assets in Morocco.
Companies & legal entities
Treasury allocation or medium/long-term investment depending on the transaction characteristics and risk profile.
Family offices & professional investors
Larger ticket sizes and deeper analysis of the asset, structure, contracts, scenarios and the tranche’s position within the overall financing.
Financial networks
Over time, selected investment journeys could be distributed with authorised partners, subject to their own regulatory obligations.
Moroccan framework
An investment platform must first be infrastructure for trust.
The prototype fits within the logic of Morocco’s collaborative-finance framework while leaving open the final legal structuring required to finance infrastructure of different sizes and profiles.
A regulatory foundation exists.
Collaborative financing in Morocco is governed by Law No. 15-18 and its implementing regulations. For transactions in the “investment” category, authorisation falls under the Moroccan Capital Market Authority (AMMC).
1
Investor identification and due diligence, governance, organisation and control systems.
2
Clear information on the transaction, sponsor, risks and rights attached to the investment.
3
Traceability of subscriptions, protection of cash flows and use of appropriate service providers.
4
Conflict-of-interest prevention mechanisms and investor protection.
Frequently asked questions
What an investor should know before investing.
The prototype uses an illustrative threshold of MAD 5,000 for certain transactions. This is not a general regulatory rule: the actual minimum will depend on the transaction, instrument, documentation and investor status.
No. Depending on the instrument, an investor may suffer a partial or total loss of principal. Infrastructure can offer long-term cash flows but remains exposed to technical, financial, contractual, regulatory and counterparty risks.
For debt, the documentation may specify an interest rate and payment schedule. For unlisted equity, returns are generally expressed as a target return or target IRR, depending in particular on distributions and exit value. In both cases, a projection is never a guarantee.
Not necessarily. Private-market investments are generally illiquid. Any possibility of transfer or early exit will depend on the instrument, corporate documents, transaction documentation and applicable regulatory framework.
That is an objective of the model. Implementation would nevertheless need to comply with the rules in the investor’s country of residence, cross-border payment arrangements, foreign-exchange rules and Moroccan requirements applicable to the transaction.
The target model relies on a selection process combining sponsor quality, technical maturity, contracts and permits, business model, financing structure, risks, territorial impact and the ability to provide decision-useful information to investors.
Qudwatt prototype
Understand a project before investing in it.
The Projects pages show how this analytical framework could be applied to real Moroccan energy assets using purely illustrative financial parameters.