On a loan
Independent German trustee oversight
Borrow against your gold, jewelry,
Borrow against your gold, jewelry,
wine and other valuables.
Private lenders compete to fund your loan. Your item stays in insured custody.
- Tell us about itTwo minutes, a few photos
- In the vaultFree pickup from $25,000
- Lenders make offersFunds in 48 to 72 hours
Start with my item
About 2 minutes · No ID to startAbout 2 minutes. No ID to start
- German Trustee Oversight
- Insured vaults in four cities
- Fireblocks-secured payments
- Secured Transportation Available.
On a loan
A loan on RealWorld.fi
96 American Gold Eagle coins, 1/4 oz, 22k
Appraised at $96,760, held at The Vault House Miami The borrower received $65,325- Yearly rate
- 10%
- Term
- 180 days
- Share of value
- 67.5%
Funded by a private lender. The figures are from the loan record.
Recently funded
See allOn a loan
On a loan
1oz Platinum bar, 999.5
$988 at 9% for 360 daysThe Vault House Miami
On a loan
2005 Chateau Lafite Rothschild, 12 x 75cl
$2,243 at 10% for 360 daysLondon City Bond
On a loan
1oz Krugerrand, 916.7
$2,758 at 12.5% for 180 daysBarcelonaRecently Funded Loans.
Real loans happening on our platform right now.
On a loanCartier 1ct diamond ring, 18ct white gold
Metropolitan Safe Deposits, London- Loan
- $700
- APR
- 17%
- Term
- 90 days
On a loan1oz Platinum bar, 999.5
The Vault House Miami- Loan
- $988
- APR
- 9%
- Term
- 360 days
On a loan2005 Chateau Lafite Rothschild, 12 x 75cl
London City Bond- Loan
- $2,243
- APR
- 10%
- Term
- 360 days
On a loan1oz Krugerrand, 916.7
Barcelona- Loan
- $2,758
- APR
- 12.5%
- Term
- 180 days
- Asset classes
- 13
- Asset classes
- Loans funded
- +300
- Loans funded
- Private lenders
- +25
- Private lenders
- Average yearly rate
- +12%
- Average yearly rate
From the live loan record, 6 Nov 2026.
What could you borrow?
Get an instant estimate. No signup required.
Asset category
USD
Estimated loan amount
$20,000 - $36,000
- APR from
- 4.5% - 8.9%
- Loan to value
- 80%
- Typically funded in
- 48 to 72 hours
*Final terms based on item condition and authentication.
How It Works.
Get liquidity in four simple steps.
- 2 minsStep 1
2 minsSubmit Your Item.
Upload photos and details. Get instant estimated loan range based on data.
- Same day or 2-3 daysStep 2
Same day or 2-3 daysSecure Your Item.
Drop off locally or ship your items. Free pickup available for items $25K+.
- 24-48 hoursStep 3
24-48 hoursReview & Negotiate Offers.
Lenders compete for your loan. Negotiate rates, amounts and terms directly.
- 24-48 hoursStep 4
24-48 hoursVerification & Funding.
Item authenticated upon arrival. Funds transferred after verification complete.
Where assets are held
Bonded, insured and monitored around the clock
Working with
Where your item is held
Bonded, insured facilities, monitored around the clock.
Miami, USA
UOVO Miami
London, U.K
London City Bond
Madrid, Spain
Grupo Inviam
Dubai, UAE
HBS Privé
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Fund loans secured by items held in professional custody. You choose each loan and its terms.
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Institutional digital custody.
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Crypto/Fiat bridge.
Top appraisal expert.
Independent security audit
- Your pledged item
- Held by audited code
- Your payments
- Rules checked line by line
- Public record
- On CertiK Skynet
An audit lowers risk; it cannot remove it entirely. The audit covered the smart contracts for lending & borrowing and syndicate (pooled) loans.
Your Security, Independently Verified.
We asked CertiK, an independent security firm, to check the code that runs every loan on RealWorld.fi. The audit covers that code, the smart contracts that hold items and move payments, not every part of the service. Here is what that means for you.
Your pledged item
Held by audited code
The code that locks your item during a loan, and releases it when you repay, was independently checked by CertiK.
Your payments
Rules checked line by line
Repayments, interest and fees are worked out by code that CertiK reviewed.
Public record
Public on CertiK Skynet
CertiK's public page confirms the audit and the date of the final report, so you can check it yourself.
Who is CertiK?
CertiK is an independent security firm that specialises in blockchain software. Think of it as an independent building inspector for software: its engineers check the code line by line, report every issue they find, and confirm each completed audit on CertiK Skynet, a public website where anyone can check it.
Check it yourself, three ways.
- 1Read the summary.
Our Security page explains the audit in plain words: what was checked and what was done.
- 2Download the one-pager.
A printable PDF of the results to keep or share.
- 3Verify with CertiK.
CertiK's own page confirms the audit and the date of the final report. It is run by CertiK, not by us.
An audit lowers risk; it cannot remove it entirely. The audit covered the smart contracts for lending & borrowing and syndicate (pooled) loans.
Frequently Asked Questions.
Everything you need to know about RealWorld.
Questions
Private lenders on the marketplace. RealWorld.fi matches each loan with its lender and holds no loans of its own.
In a professional, insured vault near you, such as UOVO in Miami or London City Bond. It comes back to you when you repay.
Ownership records sit with an independent German trustee, apart from RealWorld.fi’s own business. Every asset is authenticated and condition-reported on arrival.
No. The asset secures the loan. We ask for your ID only when you move or commit money.
Gold, silver and platinum, jewelry and gemstones, watches, handbags, fine wine, art and classic cars.
Questions? Talk to a person
Want to lend instead?
Fund loans secured by items held in professional custody. You choose each loan and its terms.
- Average yearly rate on funded loans
- +12%
- What secures each loan
- One vaulted, authenticated asset
- If the borrower does not repay
- You can receive the collateral
You can also buy and sell vaulted items on the marketplace.
Ready to Unlock Your Assets?
Join thousands of collectors who trust RealWorld for instant liquidity & enjoy a seamless, secure and transparent way.