Every asset on IUDEX goes through a documented custody and authentication process. Before you fund a loan, you see exactly what backs it. After you fund, the asset stays locked in IUDEX custody until the loan is fully repaid.
Step 01
Receipt and logging
Every asset is photographed and logged the moment it arrives at IUDEX. A condition report is created and shared with both the borrower and lender for confirmation before any funds move.
Documented on arrival
Step 02
Authentication
The asset is examined to confirm authenticity, model, reference number, and condition. Authentication status is updated on the marketplace listing in real time and both parties are notified.
Verified before funding
Step 03
Secure storage
Authenticated assets are held in secure storage for the full loan term. Neither the borrower nor any third party can access the asset while a loan is active. Storage costs are borne by the borrower.
Held for full loan term
Step 04
Release on repayment
The asset is only released from custody after full repayment is confirmed. In the event of default, the lender can choose to have the asset liquidated with proceeds returned through escrow, or have the asset shipped directly to them.
Lender chooses on default
What you see before you fund
Every listing on the IUDEX marketplace is fully transparent. You are never asked to fund blind.
Asset photosMultiple photos of the actual asset taken by IUDEX on receipt
Authentication statusVerified, Pending, or Not Authenticated — updated in real time
Appraised value & LTVIndependent appraisal and loan-to-value ratio for every listing
Condition reportDetailed condition notes including any wear, scratches, or missing components
Box & papers statusWhether original documentation is present — affects asset value
Custody confirmationAsset confirmed in IUDEX custody before funds are released
Funds via licensed escrow
Capital flows through a licensed third-party escrow service. You release payment only after authentication is confirmed. Repayment flows back to you through the same escrow.
Physical collateral in custody
The asset is in IUDEX custody before you fund. It stays there until the loan is repaid in full. The borrower cannot retrieve it without completing repayment.
Signed loan agreement
Every loan is documented with a formal loan agreement signed by both parties before funding. Terms, maturity date, and default conditions are fixed in writing.
Lender choice on default
If a borrower defaults, you choose: IUDEX coordinates liquidation and returns net proceeds to you through escrow, or the asset is shipped directly to you to handle as you see fit.
Common questions from lenders
If our authentication process finds a discrepancy such as a wrong model, undisclosed damage, or a failed authenticity check, the loan is paused and you are notified immediately before any funds are released. You never fund a loan against an asset that has not cleared authentication.
You receive your principal plus the agreed interest at maturity, paid through escrow. The APR is agreed directly between you and the borrower before the loan is funded. IUDEX charges a success fee at repayment, which is disclosed upfront before you commit.
If the borrower fails to repay and no extension is agreed, you have two options. IUDEX can coordinate the sale of the collateral asset and return net proceeds to you through escrow. Alternatively, we can ship the asset directly to you so you can manage the recovery yourself. LTV ratios are kept between 50% and 70% specifically to protect your capital even in a liquidation scenario.
Yes. Borrowers and lenders can agree to extend the loan term before the maturity date. IUDEX charges a loan extension fee to rebook the agreement. Both parties must consent to the new terms before an extension is confirmed.
Yes. Every marketplace listing includes photos taken by IUDEX on receipt, a condition report, authentication status, appraised value, and full asset details. You have everything you need to make an informed decision before committing capital.
IUDEX charges lenders a success fee upon repayment, calculated as a flat tiered fee based on loan amount. This fee is disclosed in full before you agree to fund any loan. There are no upfront fees to browse listings or register as a lender.