Collateral security & all-risk insurance.
Learn how eligible luxury watches and fine jewelry are handled, stored in Class 3 UL depositories, and insured through Lloyd's of London with zero borrower deductible.
Fortress Vault Custody Architecture
We protect high-value horology and fine jewelry through institutional depository custody that meets the standards of global diamond bourses and central banks.
UL Class 3 Rated Depositories
Collateral is housed exclusively inside Underwriters Laboratories (UL) Class 3 rated high-security vault facilities operated by Brink's and Malca-Amit, offering the highest non-military physical security standard.
Biometric & Time-Lock Controls
Vault access requires multi-person dual-key authorization and biometric authentication with computerized time-delay locking mechanisms to prevent unauthorized entry.
24/7 HD Video Monitoring & Archive
Continuous high-definition surveillance with 360-degree camera coverage monitors all intake, handling, and vault storage areas with off-site encrypted archival backups.
Precision Climate Regulation
Vault atmosphere is continuously regulated at 68°F (20°C) and 45% relative humidity to preserve watch movement lubricants, delicate vintage dials, and fine gemstone settings.
Seismic & Vibration Detection
Depository walls, floors, and ceilings are outfitted with sensitive seismic shock detectors, optical infrared sensors, and perimeter intrusion alarms monitored 24/7 by central stations.
Authorized Chain-of-Custody Personnel
Only vetted vault officers and credentialed gemologists/horologists handle collateral under strict two-person dual-custody verification protocols.
Lloyd's of London All-Risk Insurance
We never cut corners on asset protection. Our comprehensive policy guarantees financial restitution backed by the world's leading insurance market.
Master Policy Specifications
100% Fair Market Replacement Value
Every asset is insured up to 100% of verified secondary market replacement value, not limited to the loan principal amount.
Underwritten by Lloyd's of London Syndicates
Our master policy is backed by premier speciaist Lloyd's of London syndicates specializing in fine jewelry, specie, and high-value horology.
Zero Borrower Deductible ($0.00)
In the unlikely event of an insured incident, the borrower is never responsible for an insurance deductible or copay.
Full Transit & Vault Coverage Continuity
Protection begins the instant our courier signs for the parcel and remains uninterrupted through intake, vault storage, and return delivery.
Covered All-Risk Perils
5-Stage Dual-Custody Protocol
Every physical movement of your collateral is logged, monitored, and documented under dual-custody verification.
Anonymous Armored Transit
Items travel via prepaid, fully insured armored carriers (Brink's or Malca-Amit) in discreet, unbranded security packaging with encrypted internal tracking.
Dual-Custody Video Unboxing
Parcels are opened inside secure depository intake bays under continuous 4K video recording by two authorized officers who log outer seal integrity.
Condition & Provenance Archival
Specialist gemologists/horologists photograph serial numbers, hallmarks, and surface condition under macro lenses, establishing a baseline condition report.
Serialized Tamper-Evident Bagging
The asset is placed inside a heavy-gauge serialized tamper-evident container. The unique barcode seal number is permanently recorded on your executed contract.
Dual-Witness Restitution Release
Upon loan settlement, the container is unsealed under dual witness, verified against baseline intake photographs, and dispatched via tracked insured delivery.
Incident & Claims Resolution Protocol
We maintain absolute accountability. In the improbable event of an incident, our claims process guarantees prompt, full-value restitution without friction.
1. Baseline Documentation Record
Our dual-custody intake photos and detailed gemological/horological condition reports provide an unalterable evidentiary record of your piece's original condition upon receipt.
2. Immediate Notification & Underwriter Review
In the unlikely event of any transit delay, discrepancy, or damage, our risk officers immediately notify the borrower in writing and file notice with Lloyd's of London adjusters.
3. Direct Settlement at Fair Market Value
Claims are settled at 100% of verified secondary wholesale replacement value without depreciation deductions or borrower deductibles ($0.00).
Security Questions & Answers
Transparent answers regarding depository locations, all-risk coverage limits, zero borrower deductibles, and transit liability.
Collateral is deposited exclusively into Underwriters Laboratories (UL) Class 3 rated high-security depository vaults operated by institutional custody partners including Brink's and Malca-Amit. Vaults feature dual-combination biometric time locks, seismic movement detectors, 24/7 video surveillance, and precise climate regulation (68°F / 45% relative humidity).
Borrow Against Your High-Value Assets with Complete Confidence
Every parcel insured up to 100% of fair market replacement value. Class 3 UL vault storage, dual-custody verification, and zero personal liability.