Secured Peer-To-Peer Precious Metal Loans

Retain Ownership: Borrowers keep ownership of their collateralised assets, with a lien placed on them. These assets must remain in the vault until the loan is fully repaid.

Flexible Loan Terms: Borrowers can submit a borrowing request with their preferred loan terms, including amount, tenor, and interest rate, or they may review and accept an existing lending offer that meets their needs.

Quick Disbursement: Once matched with a lender, a loan contract is created, and funds are disbursed on the 1st, 8th, 15th, or 22nd of each month, based on the timing of the loan contract.

Low Fees: A processing fee of 0.5% per annum of the loan amount applies (1% for one-month loans), payable at the end of the loan term. For loans secured by luxury watches, an additional Agent Platform Fee of 2% is charged.

Flexible Use of Loan Proceeds: Borrowers have full flexibility on how they use the loan proceeds.

Unlock Liquidity with Transfer-In: Clients who transfer eligible assets to our vault can unlock liquidity by borrowing against these assets, without needing to sell their precious metals or luxury watches.

Secured Loans: Each loan is secured with collateral valued at 160% to 200% of the loan amount. If the collateral value drops to 110% during the loan term, we initiate asset liquidation to cover the loan and ensure full repayment.

Reliable Returns: Lenders always receive their funds on time at loan maturity. Our "Sweeper Fund" provides an additional layer of protection by covering any shortfall in borrower payments, ensuring smooth rollovers without idle funds.

Authenticated and Insured Collateral: All collateral is authenticated, with precious metals verified by Silver Bullion and luxury watches by a professional service provider. Collateral is fully insured by Lloyd’s of London underwriters, covering risks such as theft, employee infidelity, and mysterious disappearance.