--- title: "For Lenders & Fintechs | Vaultik" description: "Turn luxury assets into accepted collateral. Authentication, valuation, and ownership verification for asset-backed lending." 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" } } ] } --- ![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. [View All Products](/products) #### AI Issuance [ ##### Digital ID Tokenized identity for physical assets ](/products/digital-id)[ ##### NFC & QR Codes Smart tags and scannable authentication ](/products/nfc-qr-codes)[ ##### DPP Integration Enrich Digital Product Passports with KYP ](/products/dpp-integration) #### AI Products [ ##### Full KYP Assessment Complete 5-decision authentication suite ](/products/full-kyp)[ ##### Authentication Only AI-powered authenticity verification ](/products/authentication)[ ##### Valuation Only Real-time market pricing intelligence ](/products/valuation) [ ##### Condition & Repair Automated condition grading and repair assessment ](/products/condition-repair)[ ##### Ownership Verification Cryptographic proof of ownership ](/products/ownership) Technology ### Institutional-Grade ### Infrastructure. [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) 01 Lenders & Fintechs # Turn Luxury Assets # Into Accepted Collateral. Authentication, real-time valuation, and ownership verification that unlock a $2.4 trillion asset class for collateral-based lending. Book a DemoLearn More 01 Luxury assets excluded from collateral acceptance criteria 02 Ownership and provenance uncertainty creating legal risk 03 Valuation volatility complicating LTV management 02 ## The Barriers ## To Asset Lending. Traditional approaches create friction, cost, and risk. Vaultik eliminates these challenges. 01 ### Collateral Verification Gaps Without trusted authentication, luxury and collectible assets are unacceptable as loan collateral—despite significant value. 02 ### Ownership Disputes Unclear provenance and ownership history create legal risk and complicate collateral recovery. 03 ### Valuation Volatility Luxury asset values fluctuate with market conditions, creating LTV uncertainty throughout the loan term. 04 ### Liquidation Complexity If a borrower defaults, selling collateral requires authentication, valuation, and marketplace access. 03 KYP Know Your Product ## 5 AI Decisions ## For Lending Confidence. The world's first institutional & financial-grade product assessment—5 AI decisions in seconds. 01 ### Authenticates AI-powered verification confirms genuine products with 99.4% accuracy 02 ### Values Real-time market valuations based on condition, rarity, and demand 03 ### Grades Precise condition assessment using standardized grading scales 04 ### Assesses Repairs Identifies repair needs with cost and time estimates 05 ### Verifies Ownership Establishes clear chain of custody via Digital ID 04 KYP Know Your Product ## How Vaultik ## Enables Lending. From collateral verification to liquidation—Vaultik provides the trust infrastructure that makes luxury assets bankable. 01 ### Collateral Authentication Verified authenticity that enables asset-backed lending at scale 99.4% authentication accuracy with AI + expert review Condition grading for accurate LTV calculation Provenance verification and ownership confirmation Digital ID creation for collateral tracking 02 ### Real-Time Valuations Market-adjusted values that inform LTV throughout the loan Initial valuation for loan origination Ongoing monitoring with LTV alerts Benchmark data across brands and categories Depreciation and appreciation modeling 03 ### Ownership Verification Clear chain of custody that protects lender interests Blockchain-backed ownership records Lien notation on Digital ID records Transfer restrictions during loan term Seamless release upon repayment 05 ## Products ## You Can Build. Beyond authentication, Vaultik enables a suite of value-added services that drive revenue and customer engagement. 01 ### Collateral Protection Insurance coverage on financed assets to protect against loss, damage, or depreciation. 02 ### Credit Products Enable new lending products—asset-backed lines of credit, bridge loans, and pawn alternatives. 03 ### Liquidation Network Authenticated resale channels for efficient collateral recovery in default scenarios. View All Services 06 ## The Opportunity ## For Lenders. $2.4T ### Addressable Market Value of luxury and collectible assets globally 85% ### LTV Confidence Accuracy in initial collateral valuations 12% ### Yield Improvement Higher yields vs traditional unsecured consumer lending 94% ### Recovery Rate On defaulted loans with authenticated collateral 07 Enterprise Custom KYP ## Train Your Own ## KYP System. For Lenders & Fintechs with proprietary products or unique authentication requirements—build custom AI agents trained on your own dataset. 01 ### Your Dataset Train on your proprietary product images, serial numbers, and unique authentication markers specific to your brand. 02 ### Custom Agents AI models fine-tuned for your product categories, internal grading scales, and specific authentication criteria. 03 ### Private Deployment White-label API endpoints integrated into your existing infrastructure with full documentation and support. Explore KYP TechnologyContact Enterprise Team 08 ## Ready to Unlock ## Asset Lending? Join forward-thinking lenders and fintechs building the next generation of asset-backed credit products. 99.4% Authentication Accuracy ~50% Cost Reduction 5 sec AI Decision Time 1400+ Active Stores Name \* Work Email \* Company \* Monthly Volume Message I consent to Vaultik contacting me about their authentication platform and services. \* Book a Demo Related: [Asset-Backed Lender Case Study](/resources/case-studies/asset-backed-lender-underwriting) · [Custom KYP Training](/resources/blog/custom-kyp-training-white-label-systems) · [ROI Calculator](/resources/whitepapers/roi-calculator-authentication-infrastructure) ![Vaultik - AI-Powered Luxury Asset Authentication Platform](/lovable-uploads/15366492-fe32-45e7-8041-96572ade13c5.png) ## Trust ## Infrastructure. ## Beyond Limits. Powering authentication, digital ID, and financial rails for the world's most valuable assets. #### Solutions [For Brands & Retailers](/solutions/brands-retailers)[For Marketplaces](/solutions/marketplaces-auctions)[For Insurers](/solutions/insurers-brokers)[For Lenders](/solutions/lenders-fintechs)[For Labs](/solutions/labs-assay-offices) #### Technology [Categories](/categories)[Multi-Agent AI](/technology)[Collect Card](https://collectcard.ai/) #### Company [About Us](/about)[Press](/about/press)[Contact](/contact-us)[Privacy Policy](/privacy)[Terms & Conditions](/terms)[Cookie Policy](/cookies) #### Connect [](https://www.instagram.com/vaultikreal/)[](https://x.com/vaultik)[](https://uk.linkedin.com/company/vaultik) [Get Started](https://business.vaultik.com/) © 2025 Vaultik All Rights Reserved New York City, Meatpacking District ### Cookie Preferences We use cookies and similar technologies to enhance your browsing experience, analyze site traffic, and provide personalized content. 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