--- title: "Asset-Backed Lender Case Study | Vaultik" description: "How a fintech lender built a new luxury asset lending product using KYP-verified collateral assessment." lang: en json-ld: | [ { "@context": "https://schema.org", "@type": "Organization", "name": "Vaultik", "url": "https://vaultik.com", "logo": "https://vaultik.com/og-image.png", "description": "Leading luxury authentication, valuation, and insurance platform with 99.4% accuracy using 17 specialized AI agents", "foundingDate": "2021", "slogan": "The trust infrastructure for high-value assets", "sameAs": [ "https://twitter.com/vaultik", "https://linkedin.com/company/vaultik", "https://instagram.com/vaultik", "https://facebook.com/vaultik", "https://www.youtube.com/@vaultik" ], "areaServed": "Worldwide", "serviceType": [ "Luxury Authentication", "Asset Valuation", "Insurance Services", "Blockchain Certification", "Digital Product Passports" ], "award": "2nd Best European Blockchain Startup 2024/25", "knowsAbout": [ "luxury authentication", "KYP protocol", "digital product passports", "asset tokenization" ], "mentions": [ { "@type": "NewsArticle", "headline": "Web3 Luxury Platform Vaultik Offers Game Changing Insurance Component", "url": "https://www.forbes.com/sites/stephaniehirschmiller/2023/09/27/web3-platform-offers-digital-passports-with-game-changing-insurance-component-to-protect-luxury-goods/", "datePublished": "2023-09-27", "publisher": { "@type": "Organization", "name": "Forbes" } }, { "@type": "NewsArticle", "headline": "Birmingham Assay Office Transforms The Future of Valuations", "url": "https://www.naj.co.uk/jewellery-news/birmingham-assay-office-transforms-the-future-of-valuations", "datePublished": "2025-06-25", "publisher": { "@type": "Organization", "name": "National Association of Jewellers" } }, { "@type": "NewsArticle", "headline": "HBAR uptrend remains strong amid ETF rumors and new partnerships", "url": "https://crypto.news/hbar-uptrend-remains-strong-amid-etf-rumors-and-new-partnerships/", "datePublished": "2025-01-17", "publisher": { "@type": "Organization", "name": "Crypto News" } } ] }, { "@context": "https://schema.org", "@type": "Article", "headline": "Asset-Backed Lender Case Study", "description": "How a fintech lender built a new luxury asset lending product using KYP-verified collateral assessment.", "author": { "@type": "Organization", "name": "Vaultik" }, "publisher": { "@type": "Organization", "name": "Vaultik", "logo": { "@type": "ImageObject", "url": "https://vaultik.com/og-image.png" } }, "mainEntityOfPage": "https://vaultik.com/resources/case-studies/asset-backed-lender-underwriting" } ] --- ![Vaultik - AI-Powered Luxury Asset Authentication Platform](/lovable-uploads/15366492-fe32-45e7-8041-96572ade13c5.png) Solutions Products Technology [Categories](/categories)[Resources](/resources)[Pricing](/pricing)[API](/api) 🇺🇸 English 🇺🇸 Go to Collect CardGo to Collect Card Collect Card Business Sign in Solutions ### Industry & Service ### Solutions. [View All Solutions](/solutions) #### Industry Verticals [ ##### Brands & Retailers Brand protection, Digital IDs, and post-sale services ](/solutions/brands-retailers)[ ##### Marketplaces & Auctions Fraud prevention and verified listings ](/solutions/marketplaces-auctions)[ ##### Labs & Assay Offices AI augmentation and digital certificates ](/solutions/labs-assay-offices)[ ##### Insurers & Brokers Underwriting and claims automation ](/solutions/insurers-brokers)[ ##### Lenders & Fintechs Asset-backed lending infrastructure ](/solutions/lenders-fintechs) #### AI Services [ ##### Customer Care AI-powered post-sale support ](/solutions/services/customer-care)[ ##### Repair Services Automated repair workflows and service routing ](/solutions/services/repair)[ ##### Return Fraud Prevention Authenticate returns and stop $101B in fraud ](/solutions/services/returns)[ ##### Insurance & Warranty Underwriting and claims infrastructure ](/solutions/services/insurance-warranty) [ ##### Loyalty Programs Token-based loyalty and rewards ](/solutions/services/loyalty)[ ##### Resale & Recommerce Verified secondary market enablement ](/solutions/services/resale)[ ##### Credit & Lending Asset-backed lending infrastructure ](/solutions/services/credit-lending) Products ### AI-Powered ### Capabilities. 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[Technology Overview](/technology) [01 #### KYP Protocol The KYC for products — 5 AI decisions ](/technology/kyp-protocol)[02 #### Custom Training Your dataset, your agents, your API ](/technology/custom-training) [Back to Resources](/resources) Case Study Finance # Asset-Backed Lender How a fintech lender built a new luxury asset lending product using KYP-verified collateral assessment. 3x Faster underwriting 01 ## The Challenge 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 - 01 No reliable method to verify luxury item authenticity at scale - 02 Appraisal costs consuming potential loan margins - 03 Ownership verification requiring extensive documentation - 04 Liquidation risk from uncertain resale values - 05 Unable to offer competitive rates due to risk premium requirements 02 ## The Solution Vaultik's KYP infrastructure provided the full collateral verification stack: authentication, valuation, condition assessment, and ownership verification in a single API call. Comprehensive KYP assessment for loan applications Real-time market valuation for LTV calculations Ownership verification and encumbrance checks Condition monitoring during loan term Liquidation channel integration for default scenarios 03 ## Implementation Timeline 18 weeks from concept to loan origination 01 ### Product Design Loan product structuring with KYP-based risk models 4 weeks 02 ### Technical Integration API integration with lending platform and underwriting engine 6 weeks 03 ### Risk Model Calibration Historical data analysis and model validation 5 weeks 04 ### Soft Launch Limited release with manual oversight 3 weeks 04 ## The Results The 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 05 > "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 06 Explore Solutions [See how we serve finance ](/solutions/lenders-fintechs) 07 ### More Case Studies [01 Labs & Certification #### Birmingham Assay Office How the UK's largest assay office partnered with Vaultik to launch fully digital, blockchain-backed valuation certificates—expanding beyond jewellery into luxury fashion. 1,400+ Stores Activated in UK ](/resources/case-studies/birmingham-assay-office)[02 Retail #### Leading Luxury Retailer How a major luxury retailer transformed customer relationships through Digital ID-powered post-purchase services. +40% Post-sale engagement ](/resources/case-studies/luxury-retailer-post-sale-engagement) ## Ready for Similar ## Results? Talk to our team about how Vaultik can transform your operations. 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