Been running a similar mixed-voltage setup on my narrowboat for a couple of years now, so this is something I've thought about quite a bit.
The cleanest solution I've found is using a Victron Orion-Tr Smart DC-DC converter between the 24V bank and the 12V side. This means your 12V loads are essentially isolated — you can cut power to just that circuit without touching the 24V system at all. Chuck a simple blade fuse or a small breaker on the 12V output side and you've got independent reset capability sorted.
What I'd be wary of is using a basic resistor or voltage divider approach — it's crude, inefficient, and causes no end of grief when load demands fluctuate, which on a narrowboat (or any off-grid setup) they absolutely will.
A few questions worth thinking through:
- What's actually on your 12V side? Lighting, water pump, 12V sockets?
- Are you running Fogstar or similar LiFePO4 batteries, and if so, does the BMS talk to the Victron ecosystem via VE.Bus or Bluetooth?
- Is the reset requirement for fault-clearing, or are you wanting scheduled cycling?
If it's purely fault-clearing, a Victron Battery Protect on the 12V rail is another solid option — you can trigger it remotely via the programmable input, which plays nicely with a Venus GX or Cerbo if you've got one in the system.
Genuinely curious what's driving the need to isolate just the 12V side — there might be a simpler architecture depending on your specific use case. What does the rest of the setup look like?