01 · WHY RIVEX
More than a marketplace — an Asset-Credit Infrastructure
01
Augment dealers, don’t replace them
Empowering dealers with faster capital turnover and better client service.
02
Connecting authentication, custody, valuation, risk control and financing
Building a standardized, auditable, financeable asset chain.
03
Turning watches from collectibles into creditable assets
Unlocking asset liquidity, releasing the potential of high-value, low-frequency assets.
02 · CORE MODEL
From authenticated & custodied watches to a Watch-backed Credit Line
ASSET
Authenticated & Custodied Watches
POOL
Eligible Collateral Pool
BASE
Borrowing Base
CREDIT
Watch-backed Credit Line
Credit Facility
CAPITAL PROVIDERS
Capital Providers
Private Credit Fund / Family Office / Credit Investor
LENDER OF RECORD
Licensed Finance Company
Lender of Record
Loan contract / funding & collection
BORROWER
Borrower / Watch Owner
Collateral Provider
Pledge watches / draw / repay
RIVEX PROVIDES
- Vision capture & defect detection
- Valuation & dynamic LTV
- Qualified custody & insurance
- Post-loan monitoring & alerts
- Data reporting & audit
NOTE
Rivex is never the lender of record; it provides asset-standardization and risk-control infrastructure.
03 · CUSTODY & RISK
No qualified custody, no institutional credit
Custody requirements Qualified Custody Vault
- Professional insured vault24/7 security, monitoring, access control & alarms
- Dual authorizationNo solo asset access; dual-signed check-in/out
- Asset segregation & unique Asset IDIndependent tagging, tamper-evident, fully traceable
- Check-in/out controlStrict approval logs, photo records, inventory reconciliation
- Insurance & auditFull insurance coverage, periodic audit & reporting
LTV valuation logic
Market PriceListed price
Dealer BidReal trade price
Quick Sale7–14 days
LiquidationDistress value
Borrowing BaseFinancing basis
Valuation narrows layer by layer — disposal price sets the borrowing base
Credit formula
Approved Credit Line = Borrowing Base × Dynamic LTV
Approved Credit Line = Borrowing Base × Dynamic LTV
Key risk factors
R1Liquidity
R2Condition
R3Volatility
R4Custody status
04 · END-TO-END WORKFLOW
From intake & credit to complete post-loan management loop
1Client / dealer submits watch
2Authentication & vision capture
3Valuation & LTV
4Custody & insurance
5Licensed finance co. funds
6Active monitoring
7Redemption or disposal
INTAKE & CREDIT
POST-LOAN
05 · ROADMAP
Three phases, from validation to productization
PHASE 1
POC validation
Data onboarding, end-to-end run-through, valuation & line-model validation, controls & reporting checks
PHASE 2
Small-scale real lending
Small, multi-loan pilots validating the full funding-monitoring-disposal loop
PHASE 3
Private-credit productization
Scale the asset pool, tailor product structure, build a sustainable business model
GOALJointly validate the baseline standard for financializing high-value watches in Hong Kong.