Market source
Reference-level watch data, metals spot, licensed diamond movement, and recorded specialist markets carry a source and as-of date.
Record integrity
The item is the ledger.
Identity, appraisal evidence, ownership declarations, signed certificates, value updates, and verified custody events remain attached to one physical item.
- 01Structured appraisal
Category-specific details, photographs, condition, and supporting documents create the first dated record.
- 02Signed certificate
A professional reviewer signs the item identity and appraised value. Later changes append a new event instead of erasing history.
- 03Value monitoring
Market sources and later appraisals update the value trail so an owner can judge when to hold, sell, or request a loan.
- 04Private custody proof
When an item enters custody, sealed-tag and scan events are available to the owner and authorized operators, not the public marketplace.
The evidence stack
A useful value is supported, specific, and dated.
A market reference is context. A professional appraisal applies that context to the exact item in front of the reviewer.
Exact identity
Reference, serial evidence, grading report, weight, maker marks, materials, and photographs distinguish this item from a category average.
Condition and completeness
Wear, repairs, treatments, box, papers, certificates, and missing components are recorded as signed adjustments, not hidden assumptions.
Professional judgment
A qualified reviewer resolves conflicting evidence, states the conclusion, and signs the value with a date and review scope.
Append-only history
The certificate records what changed, who verified it, and when.
A later appraisal does not overwrite the first one. Each signed event extends the item's history so an owner, buyer, or lender can review the evidence available at each decision.
Inspect the public certificate view- 01Identity created
Specifications, photographs, documents, and ownership declaration enter one item record.
- 02Appraisal signed
The reviewer records evidence, adjustments, appraised value, date, and scope.
- 03Value updated
New market evidence or a later inspection appends another dated value event.
- 04Custody verified privately
Authenticated receipt, seal, and scan events remain visible only to the owner and authorized operators.
- 05Release or transfer recorded
Redemption, sale, or approved transfer closes custody without deleting the prior trail.
Loan eligibility
The offer begins with verified value, then applies category policy.
LTV shows the arithmetic so the customer and reviewer start from the same calculation. Final approval still depends on identity, evidence, condition, custody, and underwriting review.
See eligibility on verified assetsIllustrative watch example
Verified appraisal$10,000
Watch advance rate70%
Derived maximum eligibility$10,000 × 70% = $7,000
Rates and terms vary by category and review. This example explains the calculation and is not an offer to lend.
Start with evidence
Know the item before choosing what to do with it.
Common questions
What the record proves, and what it does not.
Is the certificate a guarantee of future value?
No. It records the evidence, appraised value, and date. Markets and item condition can change.
Can anyone see my loan or location?
No. Public records are redacted. Loan, identity, and exact custody details require authenticated access.
Does an appraisal guarantee a loan?
No. Eligibility and terms depend on verification, category policy, condition, and final review.