Watches, diamonds and jewelry as collateral — originated by your appraiser network, funded by you. ProPawn AI runs the entire loop: loans, payments, reminders, reconciliation, live valuations and recovery. No more Excel. No more month-end.
Today the desk runs on exports, emails and end-of-month heroics. Every step below is already proven tech — it just has to be wired together properly.
Operations, finance, risk and recovery — with a portal for every party in the loop.
Deposits auto-match to loan IDs via serialized memo tags. High-confidence matches book themselves; exceptions queue for one-click review. Confidence grows as you confirm.
Kills the weekend batchClients pay in the portal itself — Zelle with auto-tagged memos, one-tap ACH via a Plaid-linked bank, or card. No app to download, no WhatsApp dependency; reminders (SMS/WhatsApp) just deep-link into it.
Zelle · Plaid ACH · cardCollateral marked against WatchCharts wholesale indexes, gold spot and verified in-house sales. StockX-style price history on every item. Real numbers, not vibes.
WatchCharts B2B APICategory exposure limits with live alerts — know when you're 70% Rolex before it's a problem. Aggregated LTV drift, default probability and appraiser scorecards.
Portfolio-level brainDirect QuickBooks API integration — every event (interest received, default to inventory, marketplace sale) posts its journal entry the moment it happens. Desktop→Online migration path included.
QuickBooks API · zero manual entriesDefaulted collateral flows to a public storefront with index-backed pricing and verified-sale badges. Lent $16k, sold $20k — and the data feeds back into valuations.
Defaults become marginJewelers and other pawn shops onboard in a 15-minute wizard — e-signed terms, valuation guardrails, their own intake desk. They take in items, appraise, and originate; you fund and they earn 2%.
Scales the networkCustomers see everything they've pawned with live values, upcoming payments, full history and reminder preferences — then pay by Zelle, bank or card in two taps. Try the live demo →
Self-serviceEvery appraisal mints a certificate on the LTVNFT rail with the item's full chain — minted, loaned, paid, released or sold. Verified history sells at a premium, and every cert is one tap from becoming the next loan.
Loan lead engineOne serialized ID follows every item through the whole lifecycle. Nothing falls through the cracks — and every step writes its own books.
Jeweler values the item in their portal. Digital certificate minted, wholesale index benchmarked.
Loan created with serialized ID, LTV vs live index, rate & participation split. Docs + welcome message fire automatically.
WhatsApp cadence runs. Pay links settle via Stripe; Zelle deposits tagged by memo ID.
AI matches deposits → loans → QuickBooks in real time. Exceptions get a review queue.
Defaults roll to inventory at principal + accrued, list on the marketplace, and close the P&L loop when sold.
Bravo, PawnMaster and CashFootprint are point-of-sale compliance tools built for walk-in pawn counters. None of them serve a wholesale appraiser-network lending desk — and none of them touch WhatsApp collection flows, live index valuation or AI reconciliation.
Incumbents optimize the pawn counter: tickets, police reporting, firearms compliance. Your model — jewelers originate, you fund — is a different business that deserves purpose-built software.
Stripe for payments, WhatsApp Business for comms, QuickBooks API + MCP for books, WatchCharts B2B for valuations. No science projects — assembly of battle-tested pieces.
Once it runs your desk, the same platform white-labels to every pawn shop and jeweler network that wants a lending arm — a second revenue line on the same codebase.
27 active loans, a live reconciliation queue, WhatsApp cadences, index-tracked collateral and a recovery marketplace — all preloaded so you can click through the whole loop.
Launch the Demo Desk →