Lenders can only accept a watch, a piece of jewelry or a handbag as collateral when they trust what it is, what it is worth and who owns it. Vaultik provides that trust layer.
KYP is the KYC standard for physical assets. It delivers five decisions about any high-value item: Is it authentic? What is its value? What is its condition? Does it need repairs? Who owns it?
Those answers are recorded on a Digital ID. Lenders and fintechs can use it to assess an item before lending against it, and to track ownership while it is pledged.
Confirms the item is genuine before it is accepted.
Market value to inform the loan amount.
Documented condition and repair needs.
Verified owner recorded on the Digital ID.
One record that follows the item through the life of the loan.
AI is the first line of defence; experts confirm the result.
The borrower or lender sends guided photos of the item.
Full KYP: authentication, valuation, grading and ownership.
Results are stored on the item's Digital ID.
The lender uses the verified record in its credit decision.
Vaultik covers high-value categories including:
No. Vaultik provides verification and Digital IDs. Credit decisions and loans are made by lenders and fintech partners.
Yes. Results are available via API with webhooks, so they can feed directly into underwriting workflows.
A full KYP assessment uses 15 tokens. Accounts above 2,000 tokens a month move to enterprise pricing.
No. AI alone cannot authenticate a watch or any other product. It is the first line of defence, and expert human review is always part of the process.
Related: Lenders & fintechs · Credit & lending · Digital ID · Full KYP
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