--- title: "Asset-Backed Lending for Luxury Goods | Vaultik" url: https://vaultik.com/solutions/asset-backed-lending description: "Turn authenticated watches, jewelry and handbags into accepted collateral with Vaultik's KYP verification and Digital IDs for lenders." lang: en --- Solutions ### Industry & Service ### Solutions. View All Solutions (https://vaultik.com/solutions) #### Industry Verticals ##### Brands & Retailers Brand protection, Digital IDs, and post-sale services https://vaultik.com/solutions/brands-retailers ##### Marketplaces & Auctions Fraud prevention and verified listings https://vaultik.com/solutions/marketplaces-auctions ##### Labs & Assay Offices AI augmentation and digital certificates https://vaultik.com/solutions/labs-assay-offices ##### Insurers & Brokers Underwriting and claims automation https://vaultik.com/solutions/insurers-brokers ##### Lenders & Fintechs Asset-backed lending infrastructure https://vaultik.com/solutions/lenders-fintechs #### AI Services ##### Customer Care AI-powered post-sale support https://vaultik.com/solutions/services/customer-care ##### Repair Services Automated repair workflows and service routing https://vaultik.com/solutions/services/repair ##### Return Fraud Prevention Authenticate returns and stop $101B in fraud https://vaultik.com/solutions/services/returns ##### Insurance & Warranty Underwriting and claims infrastructure https://vaultik.com/solutions/services/insurance-warranty ##### Loyalty Programs Token-based loyalty and rewards https://vaultik.com/solutions/services/loyalty ##### Resale & Recommerce Verified secondary market enablement https://vaultik.com/solutions/services/resale ##### Credit & Lending Asset-backed lending infrastructure https://vaultik.com/solutions/services/credit-lending ##### Watch & Jewelry Insurance Authenticate, value and get a Chubb quote https://vaultik.com/insurance ##### Embedded Resale Insurance Insurance on verified resale items https://vaultik.com/solutions/embedded-resale-insurance ##### Asset-Backed Lending Luxury goods as accepted collateral https://vaultik.com/solutions/asset-backed-lending Products ### AI-Powered ### Capabilities. View All Products (https://vaultik.com/products) #### AI Issuance ##### Digital ID Tokenized identity for physical assets https://vaultik.com/products/digital-id ##### NFC & QR Codes Smart tags and scannable authentication https://vaultik.com/products/nfc-qr-codes ##### DPP Integration Enrich Digital Product Passports with KYP https://vaultik.com/products/dpp-integration #### AI Products ##### Full KYP Assessment Complete 5-decision authentication suite https://vaultik.com/products/full-kyp ##### Authentication Only AI-powered authenticity verification https://vaultik.com/products/authentication ##### Valuation Only Real-time market pricing intelligence https://vaultik.com/products/valuation ##### Condition & Repair Automated condition grading and repair assessment https://vaultik.com/products/condition-repair ##### Ownership Verification Cryptographic proof of ownership https://vaultik.com/products/ownership Technology ### Institutional-Grade ### Infrastructure. Technology Overview (https://vaultik.com/technology) 01 #### KYP Protocol The KYC for products — 5 AI decisions https://vaultik.com/technology/kyp-protocol 02 #### Custom Training Your dataset, your agents, your API https://vaultik.com/technology/custom-training 03 #### Handbag & Watch API Authentication API for developers and retail platforms https://vaultik.com/api/handbag-watch-authentication 04 #### Call for Developers Build on our APIs — Vaultik sponsors custom development https://vaultik.com/resources/blog/call-for-developers-retail-platforms-authentication-api Asset-backed lending # Asset-Backed Lending Rails for Luxury Goods 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. Start Now: https://business.vaultik.com/ Talk to us: https://vaultik.com/contact-us ## What lenders need to know 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. ## The building blocks ### Authentication Confirms the item is genuine before it is accepted. ### Valuation Market value to inform the loan amount. ### Condition grading Documented condition and repair needs. ### Ownership Verified owner recorded on the Digital ID. ### Digital ID One record that follows the item through the life of the loan. ### Expert review AI is the first line of defence; experts confirm the result. ## From item to collateral 01 ### Submit The borrower or lender sends guided photos of the item. 02 ### Verify Full KYP: authentication, valuation, grading and ownership. 03 ### Record Results are stored on the item's Digital ID. 04 ### Lend The lender uses the verified record in its credit decision. ## Items lenders commonly accept Vaultik covers high-value categories including: - — Luxury watches - — Jewelry - — Designer handbags - — Other high-value collectibles ## Questions ### Does Vaultik lend money? No. Vaultik provides verification and Digital IDs. Credit decisions and loans are made by lenders and fintech partners. ### Can we integrate it into our lending platform? Yes. Results are available via API with webhooks, so they can feed directly into underwriting workflows. ### How is it priced? A full KYP assessment uses 15 tokens. Accounts above 2,000 tokens a month move to enterprise pricing. ### Is the result decided by AI alone? 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 (https://vaultik.com/solutions/lenders-fintechs) · Credit & lending (https://vaultik.com/solutions/services/credit-lending) · Digital ID (https://vaultik.com/products/digital-id) · Full KYP (https://vaultik.com/products/full-kyp) ## Lend against verified assets 50 tokens included every month. Start Now (https://business.vaultik.com/) ### Cookie Preferences We use cookies and similar technologies to enhance your browsing experience, analyze site traffic, and provide personalized content. Your privacy is important to us. You can change your preferences anytime in the site footer. For more information, see our Privacy Policy (https://vaultik.com/privacy) and Terms of Service (https://vaultik.com/terms). ## Structured data ```json [ [ { "@context": "https://schema.org", "@type": "Service", "name": "Asset-Backed Lending Rails for Luxury Goods", "description": "Turn authenticated watches, jewelry and handbags into accepted collateral with Vaultik's KYP verification and Digital IDs for lenders.", "provider": { "@type": "Organization", "name": "Vaultik", "url": "https://vaultik.com" }, "url": "https://vaultik.com/solutions/asset-backed-lending" }, { "@context": "https://schema.org", "@type": "FAQPage", "mainEntity": [ { "@type": "Question", "name": "Does Vaultik lend money?", "acceptedAnswer": { "@type": "Answer", "text": "No. Vaultik provides verification and Digital IDs. 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Partners include Chubb, Birmingham Assay Office and Cash Converters UK.", "slogan": "The trust infrastructure for high-value assets", "founder": { "@type": "Person", "name": "Pietro Novelli", "jobTitle": "Co-Founder & CEO" }, "address": { "@type": "PostalAddress", "addressLocality": "London", "addressCountry": "GB" }, "sameAs": [ "https://uk.linkedin.com/company/vaultik", "https://x.com/vaultik", "https://www.instagram.com/vaultikreal/" ], "areaServed": "Worldwide", "knowsAbout": [ "luxury authentication", "Know Your Product (KYP)", "watch authentication", "handbag authentication", "jewelry valuation", "tamper-proof Digital ID", "digital product passports" ], "mentions": [ { "@type": "Organization", "name": "Chubb", "url": "https://www.chubb.com" }, { "@type": "Organization", "name": "Birmingham Assay Office", "url": "https://www.theassayoffice.com" }, { "@type": "Organization", "name": "Cash Converters UK", "url": "https://www.cashconverters.co.uk" } ] } ] ```