About IUDEX
People have assets. The system makes it nearly impossible to borrow against them.
US household debt stands at $18.8 trillion. Credit card balances just hit a record high. And yet millions of people sitting on valuable physical assets have no efficient, transparent way to use them as collateral without selling.
IUDEX is a peer-to-peer marketplace that changes that. Borrowers pledge high-value assets starting with luxury watches and receive loans from lenders who earn yield backed by authenticated physical collateral. We provide the infrastructure, custody, and escrow.
$18.8T
US household debt as of Q4 2025
$1.28T
Credit card balances an all-time record
22%+
Average credit card APR charged to borrowers
Our Mission
Give people access to capital by facilitating lending and borrowing against tangible assets replacing inefficient intermediaries with transparent technology.
How IUDEX works differently
01
Peer-to-peer, not institutional
Borrowers and lenders connect directly. Terms APR, duration, loan amount are negotiated between them. IUDEX provides the infrastructure and custody. We do not dictate the terms or take a position on the loan.
02
Physical custody as the foundation of trust
Every asset is authenticated and held in IUDEX custody for the duration of the loan. Lenders know exactly what backs their capital. Borrowers know their asset is insured and professionally stored.
03
We replace inefficient intermediaries not the process
Traditional asset-backed lending is slow, opaque, and inaccessible to most people. IUDEX replaces that friction with a transparent marketplace where every fee, term, and condition is disclosed upfront. No surprises, no hidden costs, no gatekeepers deciding who qualifies.
04
Transparent by design
Every loan listing is public. Asset details, authentication status, LTV, and terms are visible to everyone. There are no hidden fees and no surprises. Transparency is not a feature it is the foundation.
The team
IUDEX was founded on a simple belief: people deserve access to credit at competitive rates, and lenders deserve to have their capital protected. Physical collateral is the bridge between those two interests. We built the infrastructure to make that exchange transparent, efficient, and accessible to anyone with a valuable asset.
Rob Smith
Co-founder, Product & Technology
Studied economics at Stanford University and spent six years working across crypto, smart contracts, digital assets, manufacturing, and supply chain. Built IUDEX to solve a liquidity problem that existing infrastructure was never designed to address.
Mariano Cuartas
Co-founder, Strategy & Business Development
Three years in business operations at institutional asset managers. Leads strategy, partnerships, and market development at IUDEX. Focused on building the commercial foundation that turns a strong technical product into a scalable lending marketplace.
Join us at the beginning
Whether you have an asset to borrow against or capital to put to work, IUDEX is worth being part of early.