Asset-Backed Membership

Member-owned watches listed, rented, exchanged, and sold under inspection deposits, collateral holds, and scheduled seller payouts.

Launch a collateralized watch club where members register valuable assets, place inspection and rental deposits, exchange pieces under two-sided settlement, and sell through a receipted payout cycle. Membership, custody, condition evidence, and every movement of money stay attached to the asset instead of living in spreadsheets and inboxes.

Business instruments: deposit_hold, escrow_order, listing, order, claim, policy, payout_run, trade_settlement. Blueprint nouns: Member asset (member_asset), A watch or collectible registered for club rental, exchange, or sale; grounded on the listing state machine. Club membership (club_membership), One member's active access to the club Product. Inspection deposit (inspection_deposit), Collateral held while a member inspects an asset, claimable against evidenced damage. Rental hold (rental_hold), The member's refundable security deposit for one asset rental. Member exchange (member_exchange), A two-sided exchange between members whose cash legs fund before either asset changes hands. Asset damage claim (asset_damage_claim), An evidence-backed condition claim opened against a protected rental or exchange. Seller payout run (seller_payout_run), The scheduled batch that pays asset sellers after club fees and reversals settle.

Public actions: registerMemberAsset calls listing.create, Register a member-owned watch or collectible with its declared condition. openInspectionDeposit calls deposit_hold.create, Open the refundable deposit that protects one asset inspection. openRentalHold calls escrow_order.create, Open the security hold for one member rental. openMemberExchange calls trade_settlement.create, Open a two-sided exchange between members. openAssetDamageClaim calls claim.create, Open an evidence-backed claim for asset damage. scheduleSellerPayoutRun calls payout_run.create, Schedule the next seller payout batch.

Money journeys: Acquire a member asset, Register the watch, place the buyer hold, and complete the sale to a member. Settle an inspection deposit, Fund the inspection deposit, claim evidenced damage, and return the remainder. Fund a member exchange, Fund and release the money legs that make a two-sided member exchange safe. Protect a member asset, Bind cover for a member asset, assess an evidence-backed damage claim, and pay the approved amount. Move member funds, Reserve and post one internal transfer so the club can reconcile its ledger movement. Run seller payouts, Schedule the seller payout batch, apply its declared adjustments, and execute the net amount.

Action account fields: sellerAccountId, buyerAccountId, insurerAccountId, policyholderAccountId, claimantAccountId, holderAccountId, payerAccountId, payoutFundingAccountId, earnerAccountId, sideBAccountId, sideAAccountId. Published fee forms: active_account_month, internal_transfer_volume, financial_address_issuance, financial_address_active_month, internal_transfer_count, deposit_count, deposit_volume, payout_count, payout_volume, collection_count, collection_volume, instrument_event_count, instrument_event_volume, kyb_review, kyc_basic_verification, kyc_standard_verification, kyc_investment_verification, kyb_verification.

Price estimate before Product creation: monthlySar SAR 49,200, setupSar SAR 246,000, complexityScore 241.

Compose this Blueprint in the free sandbox: bunx @hyperscale0/[email protected] product create --blueprint asset-backed-membership --name <name>. Browser create path: /request-access?returnTo=%2Fdesk%2Fdiscover%3Fblueprint%3Dasset-backed-membership

The sandbox uses test identities, provider simulators, and play money. It has no connection to real bank infrastructure. Product Activation remains a separate future review for live access.