Customers
Digital access
Invited adult customers may choose eligible proceeds in a reusable virtual or prepaid card account for eligible purchases.
Pre-launch pilot • Issuing partner confirmed
Turn eligible pawn and sale proceeds into digital spending power.
Pre-launch pilot concept — not currently available to the public.
Collateralize It is designing a controlled pilot that connects participating pawnshops with a regulated prepaid or virtual-card program—giving invited adult customers another way to receive eligible proceeds for online and card-only purchases.
The demo is an interactive concept only — nothing is applied for or processed.
Not a credit card. No new card debt. Availability and terms depend on final written agreements with the issuing partner and applicable legal approval.
Concept illustration of the planned pilot flow
Who it serves
One controlled pilot, three perspectives
The pilot is scoped so each participant can evaluate the model on evidence rather than assumptions.
Pawnshops
A modern payout option
A potential way to improve service, reduce cash handling, and support more customer needs.
Issuing partner
A controlled, auditable pilot
Scoped enrollment, transaction controls, and measurable operating evidence, with final issuance and terms provided by the issuing partner.
How it works
Five steps, each with a verifiable record
Every step in the planned flow produces documentation the shop and program partner can audit.
- 01
Complete the transaction
Complete a normal pawn or sale transaction at a participating pilot shop.
- 02
Choose digital proceeds
Choose the digital proceeds option, if eligible and available.
- 03
Scan and enter your code
Scan the pilot QR code and enter an invitation code.
- 04
Employee verification
A trained shop employee verifies the completed transaction and approves the eligible load.
- 05
Receive the account
Receive a reusable virtual or prepaid account for eligible card purchases.
For a sale, the customer owes nothing after the sale. For a pawn, repayment and item redemption remain governed by the separate pawn agreement with the shop.
Pilot at a glance
Deliberately small, so the evidence is real
The pilot is sized to produce clear operating evidence before anything scales.
1
Participating pawnshop
Up to 100
Invited adult customers
$20–$250
Eligible load range
Invitation-only
Enrollment
50
Goal: completed loads
Prototype first
Simulated transactions before live money movement
What success looks like
The pilot is evaluated against operating signals — not projections. No outcome is guaranteed, and results may lead to revising or stopping the model.
- Customer completion
- Approval speed
- Repeat use
- Support experience
- Fraud and dispute performance
- Shop willingness to continue
- Viable written partner economics
For partners
What participation would involve
Roles are defined up front so each side can evaluate the pilot against its own requirements.
Pawnshop partners
The shop keeps running its normal business; the pilot adds a documented payout option.
- Complete and document normal pawn or sale transactions.
- Maintain a prefunded platform balance if approved for the pilot.
- Train staff to verify eligible proceeds and approve loads.
- Receive transaction, audit-log, and reconciliation support from the platform.
- No selected shop transaction fee or monthly software fee at the planned pilot launch.
Final pricing and terms remain subject to written agreements and partner and legal approval.
Safeguards & support
Planned operating controls
These describe how the pilot is designed to operate — intent, not approval. Each control remains subject to issuing partner and legal review.
- Invitation-only enrollment, adults only, with employee approval on every eligible load.
- Prefunded shop balance and auditable records for each transaction, approval, and reconciliation.
- Verification, fraud, dispute, refund, lost-card, and data-security procedures must be approved by the issuing partner and legal review before launch.
Go/no-go gates
All seven gates must clear before any live pilot activity.
- Customer evidence
- Shop commitment
- Issuing partner agreement
- Legal review
- Written economics
- Risk procedures
- Prototype validation
If any gate fails, the model is revised before launch.
Who we are
Transparent about our stage
We would rather under-claim than overstate. Here is exactly where the company and the pilot stand today.
What we are building
Collateralize It is an early-stage company designing a controlled pilot that would let participating pawnshops offer eligible transaction proceeds as a prepaid or virtual-card payout instead of cash only.
Who the pilot is for
The pilot is designed for one participating pawnshop and a small group of invited adult customers, plus operators and program partners evaluating whether the model works in practice.
What we depend on
The issuing partner is identified and would provide the regulated card account, network access, and related services. Final written agreements and legal approvals needed for any live pilot are not yet complete. Nothing on this site should be read as a final agreement, license, or approval.
We do not claim regulatory approval, certification, credit-building benefits, or customer traction. We are working with a regulated issuing partner, but we do not name them publicly until final agreements are in place.
FAQ
Clear answers about what this is — and is not
Contact
Request pilot information
Tell us who you are and what you need to evaluate. We respond with the pilot overview and the current list of open legal and implementation items.
- Do not send sensitive financial, identity, or transaction information through this form.
- We never request SSNs, government IDs, card numbers, bank details, or information about pawned items.