Borrow against authenticated jewelry and luxury watches with transparent terms, insured custody, and a clean digital chain-of-custody.
jLjewelry is a technology platform that helps licensed lending partners originate and manage collateral-backed credit secured by luxury jewelry and timepieces.
We coordinate authentication, appraisal, custody, and reporting so lenders can price risk properly and customers can access capital fast.
Problem
Asset-rich owners face pawn-style experiences, opaque pricing, and unclear liquidation rules.
No standardized proof of authenticity, valuation history, or custody events.
Fraud, recoverability, and compliance complexity keep lenders on the sidelines.
Fix
Human-led, tech-assisted authentication and appraisal.
Vault-grade storage with documented chain-of-custody.
Compliance-ready reporting and collateral visibility.
Upload photos, receipts, serials, grading docs
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In-person partner or insured pickup
Jewelry and watch verification, stone grading, metal purity
Clear LTV, APR, fees, and term options
Stored in insured vault (you retain beneficial ownership)
Same-day or next-day disbursement
- Authenticated intake with tamper-evident packaging
- Insured custody with timestamped events
- Lending executed by licensed partners
- jLjewelry provides infrastructure and reporting
Jewelry-backed loans + custody tracking
Watch flows + revolving credit
Tokenized collateral + liquidation rails
White-label for regional lenders
