Step 0101
Submit Grail
Tell us what you hold. A specialist reviews within twenty-four hours.
The Process
Borrow against it. Keep the grail.
Six discreet moves. Title never transfers. Capital deployed in days.
Step 01
Step 0202
Authenticate & Value
Expert analysis, market data, and provenance verification.
Step 0303
Secure & Insure
Your asset is held in our insured, climate-controlled custody.
Step 0404
Unlock Capital
Capital is wired against your grail. You keep ownership the entire time.
The Full Sequence
From inquiry to capital.
Each step is handled by a named relationship manager — never a ticket queue.
- I
- Confidential inquiry
- Submit your collection through our secure portal. A specialist is assigned within twenty-four hours.
- II
- Expert review
- Category specialists value each piece against verified comparable sales, condition, and market depth.
- III
- Private terms
- You receive a bespoke term sheet sized to the grail. No formulas on a public page. No black boxes.
- IV
- Secure intake
- Insured, white-glove couriers move your grails into the Citadel vault.
- V
- Capital activated
- Funds wired on receipt and verification — typically within seventy-two hours.
- VI
- Watch it work
- Open the Digital Vault any time. Track marks, headroom, and the cost of your loan — live.
The Math Nobody Runs For You
Three variables. One outcome.
It is simpler than a formula: when appreciation outruns the cost of capital, the asset does the work.
01
Appreciation
Historically kind to the categories we accept.
02
Cost of capital
Bespoke, private, priced to a rare asset — not a consumer.
03
Time
The variable you control. Applied patiently, it has answered the most questions.
When appreciation outpaces interest · time does the work
You Always Own It
Title retained. Upside yours.
It never leaves your name.
We are custodian, never owner. Title stays with you for the full duration of the loan.
Insured at full replacement value.
Lloyd's of London coverage from the moment our courier collects your collateral until it is returned home.
Appreciation is yours.
Every dollar your grail appreciates while in our custody belongs to you. We are paid for the capital we deploy — never for the upside.
Protected exit.
If a loan cannot be satisfied, the collateral is liquidated through our auction network. Surplus above what is owed returns to you in full. You are never personally pursued for any shortfall.