Everything borrowers and lenders ask before getting started.
Yes — that's the whole point. Deposit your PSA-graded slab into our Brinks-secured vault and borrow instant USDC up to 20% loan-to-value. You keep ownership; repay anytime and your card ships back. No credit checks, no selling.
LendVault Intelligence prices your card in real time from PSA population data, eBay sold listings and major auction results — weighted by set, rarity and grade. Values update daily, so your loan-to-value always reflects the live market.
Loans are offered up to 20% LTV on 30, 60 or 90-day terms at 20% APR. There are no credit checks and no early-repayment penalties — repay whenever you like.
Lenders supply USDC to a transparent, fully-collateralised loan book backed by insured, vaulted graded cards at a conservative ~20% LTV, with a 7-day grace period and auction backstop on default. Reach out via "Talk to us about capital" on the For Lenders page — terms are subject to verification.
Three layers: heavy over-collateralisation (~20% LTV), daily AI mark-to-market repricing, and an orderly auction backstop on default. Collateral is insured and audited monthly, and authenticated by AI before it ever backs a loan.
You get a 7-day grace period. After that, the card goes to auction to cover the loan, and any surplus above your debt is returned to you. We never exploit liquidations.
Every slab is shipped door-to-door to a climate-controlled Brinks vault, individually tracked, fully insured against loss, theft and damage, and audited monthly — the same custody backbone that secures the world's bullion. See the Security page for the full chain of custody.
Point your camera at a slab (or search/upload) and the scanner identifies the card and grade, pulls a live market value, and returns an instant USDC offer at 20% LTV — before you ship anything. In production it reads the exact card and cert from the photo via LendVault Vision AI.
Today, any PSA-graded Pokémon card graded 7 or higher. Our roadmap expands to all TCG, sports cards, comics, luxury watches and coins — with CGC and BGS grading support coming alongside.
Complete outreach quests — share, refer, create, host — to earn Vault Points, climb tiers and top the leaderboard. Points convert to perks and a future airdrop allocation. It's how supporters back LendVault with exposure instead of capital. Points are rewards for activity, not a financial product.
