Watch Vault

Borrow against your luxury watch in hours, not weeks. Keep the watch. Get the capital.

Step 1 — Select Your Watch
Step 2 — Configure Your Loan
Loan-to-Value (LTV) 60%
Conservative (40%)Max (70%)
Loan Duration 12 months
3 months36 months
Annual Rate (APR) 10%
7% (on-chain best)18% (traditional pawn)
Your Loan Snapshot
Watch Market Value
—
Select a watch above
Loan Amount
—
at 60% LTV
Monthly Payment
—
per month
Total Interest
—
over loan term
Rate Comparison
Lender Type APR Settlement Custody Note
🏛 RealWorld.fi 10% 2–4 hrs Digital vault Best
🏦 Private bank 9–12% 2–5 days Physical vault High minimum
🧾 Luxury pawn 12–18% Same day Physical vault Lower LTV
💳 Personal loan 18–28% 3–7 days N/A No collateral benefit
How It Works On-Chain
01
Submit watch + authentication docs
02
Certified appraiser verifies & vaults asset
03
Watch tokenized as NFT on Ethereum
04
Loan issued in stablecoin (USDC) within hours
05
Repay anytime; NFT unlocked → watch returned
Get Started with RealWorld.fi
Powered by RealWorld.fi — Tokenized Asset-Backed Lending  |  Market values are indicative estimates based on 2026 secondary market data.