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The global economy suffers from the "Market for Lemons" problem (Akerlof, 1970). Because buyers, insurers, and lenders cannot verify the true condition of personal property, they price in maximum risk.
Lenders
Charge 29% APR (credit cards)
Because they assume the borrower has no assets
Insurers
Overcharge premiums
Because they assume fraud
Buyers
Underpay for goods
Because they assume the item is broken or fake
By creating a "Golden Record" of truth, we will unlock the "Liquidity Premium."
We will capture the value released when a risky, illiquid asset becomes a verified, liquid financial instrument.
Each layer will capture value from the elimination of information asymmetry
The 'Sovereign Identity' Layer
The Alpha: We are building the VIN (Vehicle Identification Number) for Everything. Before the VIN, you couldn't effectively insure or finance a used car. After Proveniq, you will be able to insure and finance anything.
ESSENTIAL (Free)
The Indexing Engine. Just as Google indexed the web for free to sell ads, we will index the physical world for free to sell financial services.
PLUS ($4.99)
The Cost Shield. Will cover the AWS bill. Ensures the platform will have infinite runway.
PRO ($9.99)
The Wealth Signal. A self-selecting cohort of high-net-worth individuals (HNWI) who are prime targets for Proveniq Capital.
LANDLORD
The Network Bridge. Landlords will be the 'nodes' that force tenants (users) onto the network.
The 'Liquidity Arbitrage'
The Alpha: We won't just sell things; we will cure illiquidity. An unverified Rolex on Craigslist trades at $5,000 (Fear Discount). That same Rolex verified on Proveniq will trade at $8,000 (Trust Premium). Proveniq Bids will capture a % of that $3,000 delta.
Seller Fee (10%)
The cost of access to the 'Trust Premium.'
Verification Lock
We will discount the fee to 8% only if the item has a 'Digital Twin' in Proveniq Home. This is the Retention Hook.
Salvage Pipe
We will become the exclusive liquidation rail for insurance carriers, creating a guaranteed supply of high-margin inventory.
The 'Prediction' Moat
The Alpha: Legacy Insurtech focuses on processing the claim faster (Efficiency). Proveniq will focus on knowing the asset before the claim exists (Truth).
Pre-Loss API ($0.10/item)
Insurers will pay us to 'score' a home's contents risk profile at underwriting.
The 'Time Machine' Effect
When a fire happens, we won't ask 'What did you have?' We will tell the adjuster 'Here is what was there.'
Fraud Elimination
You cannot claim a TV that was never logged. You cannot claim the same TV twice.
The 'Secured' Revolution
The Alpha: Unsecured Personal Loan: Risk is high → Rate is 18%+. Proveniq Secured Loan: Risk will be low (we will hold the collateral's digital title & physical SmartTag) → Rate can be 12%. We will arbitrage that 600 basis point spread.
Origination (4%)
Immediate cash on cash.
Collateral Custody ($5/mo)
The borrower will pay us to store the 'legal title' (and sometimes the physical item via Lockers).
Liquidation Backstop
If they default, we won't hire a collection agency. We will press a button and list it on Proveniq Bids.
We won't need millions of DAUs (Daily Active Users). We will just need millions of Active Assets.
Example Asset
Gibson Les Paul Guitar
Asset Value
$3,000
| Lifecycle Stage | Action | Proveniq Revenue | Margin |
|---|---|---|---|
| Acquisition | User logs guitar in Home | $0 | (Cost) |
| Validation | AI confirms model/year | $0 (Data Gain) | N/A |
| Maintenance | User subs to Pro for trend tracking | $9.99/yr | 90% |
| Financing | User borrows $1,000 against it | $40 Orig + $100 Int | 80% |
| Insurance | Carrier pays for Pre-Loss record | $0.10/yr | 99% |
| Transfer | User sells on Bids for $3,200 | $320 Fee | 95% |
| Authentication | Buyer pays for Ledger transfer | $4.99 | 99% |
Total Asset LTV
~$475
On a $3,000 item
Without the user ever "paying" for the app
Standard for
Money
Fiat / Crypto
Standard for
Identity
SSN / Passport
Standard for
Physical Assets
???
$100 Trillion
in wealth is trapped—unable to be insured accurately, sold safely, or leveraged efficiently.
Proveniq is the Standard.
We are not building a better inventory app.
We are building the Operating System for the Physical Economy.
By owning the 'Golden Record' of the asset, we will earn a royalty on every event in that asset's life: when it is insured, when it is financed, and when it is sold.
We will be the bridge between the Physical World and Financial Liquidity.
Frames the problem as a Nobel-level economic inefficiency, not a "user pain point."
Frames pricing not as a cost, but as a way to capture the new value created by trust.
Proves you don't need millions of DAUs; you just need millions of Active Assets.