Your watch is worth more than a nice thing on your wrist.

Tokenize it into shares, borrow stablecoins against a slice of it, or park your money in the vault and collect the interest someone else pays to borrow. Pick a reference watch below to see the numbers move.

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Reference value

1,000

Tokens issued

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Price per token

Loan-to-value (LTV) 50%

30%40%50%60%70%

Standard tier · 6.5% APR

Repayment term

What you'd owe

Straight-line amortization, fixed rate for the whole term.

You put up as collateral—

Max loan amount—

Interest rate (APR)—

Monthly payment—

Total interest over term—

Total repaid—

Balance remaining over the term24 months

Balance still owed

Interest paid, cumulative

Where your rate sits on the curve

Rates step up in four bands. Borrow less of the watch's value, pay less for the privilege. Borrow more, the vault charges more because there's less cushion if the watch's resale value slips.

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Not everyone who owns a fraction of this watch wants a loan. Some just want their token to sit in the vault and earn something.

Borrower posts tokens→ Takes a stablecoin loan→ Pays interest monthly→ Vault splits it with depositors

Average borrower LTV in this vault 55%

Borrowers here pay 8.25% APR on average

Vault utilization (how much of the deposits are out on loan) 65%

Your deposit (USDC)

Vault snapshot

Illustrative pool sized around this watch's collector tier.

Total vault deposits—

Currently out on loan—

Sitting idle, ready to lend—

Platform fee on interest15%

What your deposit earns

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Net lender APY

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Projected annual earnings

Where a borrower's interest dollar goes

Paid out to you (lender)

Platform fee

Lender APY as utilization moves

Empty vault, nobody's paying you anything. Fully lent out, you're earning the most, but there's less cash on hand if a lot of depositors want out at once. That trade-off is the whole game.

Reality check: every number on this page is a reference estimate built for this demo. Watch values are plausible secondary-market figures, not live quotes from any dealer, auction house, or exchange. Interest rates, APYs, and vault sizes are illustrative math, not a live product and not an offer to lend or borrow anything. Nothing here is financial advice. If tokenized watch lending becomes a real RealWorld.fi product, it'll ship with real appraisals, real custody, and real terms, none of which exist yet.