The kinetic energy depends on weight and speed. Cargo bikes easily come into that range, especially the fast 45km/h electric ones. Energy dissipation depends on

The kinetic energy depends on weight and speed. Cargo bikes easily come into that range, especially the fast 45km/h electric ones. Energy dissipation depends on the size of the rotor and sizes have been increasing substantially. When I bought mine, the standard disk size was 160mm, I opted for the upgrade to 180mm. The current generation of Riese-Müller Load uses dedicated cargo bike brakes with thicker rotors (2.3mm instead of 1.8) and a 223mm diameter on the rear wheel, 160mm on the front. Those brakes have substantially more staying power before they fade. Edit: Generally, developments for cargo bikes seem to help tandems and tandem developments benefit cargo bikes. There's now an option to use the tandem version of the Rohloff internal geared hub for RM cargo bikes. That's a serious upgrade to all previous internal hubs, especially since you can combine it with a belt drive. It's a tiny bit expensive, though...