Brand protection, Digital IDs, and post-sale services
Fraud prevention and verified listings
AI augmentation and digital certificates
Underwriting and claims automation
Asset-backed lending infrastructure
How a fintech lender built a new luxury asset lending product using KYP-verified collateral assessment.
3x
Faster underwriting
A fintech company specializing in asset-backed lending wanted to expand into luxury goods but faced fundamental challenges in collateral verification that made traditional approaches uneconomic.
Key Pain Points
Vaultik's KYP infrastructure provided the full collateral verification stack: authentication, valuation, condition assessment, and ownership verification in a single API call.
18 weeks from concept to loan origination
Loan product structuring with KYP-based risk models
4 weeksAPI integration with lending platform and underwriting engine
6 weeksHistorical data analysis and model validation
5 weeksLimited release with manual oversight
3 weeksThe KYP-powered lending product achieved unit economics that made luxury asset lending viable at scale for the first time.
3x
Faster underwriting
Loan decisions in hours instead of days
45%
Lower risk premium
Reduced rates enabled by verified collateral
$12M
Loan volume (Q1)
First quarter originations exceeded projections
0.3%
Default rate
Well below industry average for asset-backed lending
"KYP solved the chicken-and-egg problem of luxury lending. You can't lend against assets you can't verify, and verification was too expensive until now."
Head of Product
Alternative Lending Fintech
Explore Solutions
See how we serve financeHow the UK's largest assay office partnered with Vaultik to launch fully digital, blockchain-backed valuation certificates—expanding beyond jewellery into luxury fashion.
How Acrisure became the first insurer globally to underwrite policies directly from AI-generated Digital IDs for jewelry and watches.
Talk to our team about how Vaultik can transform your operations.
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 and Terms of Service.