Borrow against your graded cards without selling them.
Put your graded cards to work without selling them. Your card stays in the vault, and comes back to you when you repay.
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How it works
Your graded cards have real market value. Bakt lets you put that value to work while you keep your collection.
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1
Pick a card in your vault
Choose a graded card you already store with a vault service. For example, a PSA 10 Celebi can be transferred to Bakt inside the vault. Nothing gets shipped.
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2
See what it's worth
We compare recent sales of the same card and grade to estimate its market value, then show how much you could borrow. The Celebi figures are illustrative.
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3
Repay and get it back
Pay interest monthly and principal at the end of the term, or pay off early with no penalty. When the balance reaches zero, the Celebi transfers back to your vault.
Every move is a peer-to-peer e-transfer between vault accounts. Your cards stay on the same vault shelf the whole time: into Bakt's account when the loan opens, and back into yours the moment it's paid off.
See it in action
Here's what we're building. Pick one or more cards to borrow against as a pool, then walk through the loan from offer to payoff.
Step 1 of 6
Choose sample cards
Pick one or more sample graded cards for your example loan.
Card values, lendability tiers, and loan terms are illustrative samples.
Step 2 of 6
What your pool is worth
Checking sample cards and recent sales…
| Card | Grade | Bakt value | Lendability |
|---|
- Strong Lends at or near our 50% maximum
- Moderate Lends somewhat below the maximum
- Limited Lends well below the maximum, usually because sales are thinner or prices swing more
Uncheck a card to remove it from the pool; check it again to add it back. Bakt values are estimates based on sales data pulled since September 2026. Lendability tiers come from our underwriting analysis and may change as we refine it. Credit figures are examples. Card prices move with the market, so we keep tracking the pool for as long as the loan is open.
Step 3 of 6
Build your loan Example terms
Pick a term to see how much you can borrow, up to 50% of your pool's value. Shorter terms unlock a higher limit.
You pay only interest each month. At the end of the term, you repay the principal plus any interest since your last monthly payment. Pay it off early any day, with no penalty: you owe the principal plus interest for the days since your last payment, and nothing more.
Step 4 of 6
Review your terms Example terms
Where are my cards while the loan is open?
They stay in the same vault. When the loan funds, you transfer the cards to Bakt's account using your vault's transfer feature. When you repay, we transfer them straight back to you.
Can I repay early?
Yes, anytime, with no prepayment penalty. You pay the principal plus the interest that has built up since your last monthly payment, and that's it. The sooner you repay, the less interest you pay overall.
How do the monthly payments work?
Each month you pay only the interest on what you borrowed. The principal isn't due until the end of the term, so your monthly payments stay small and your cash stays free.
What happens if I can't repay by the due date?
You get a 5-day grace period after the due date. If the loan still isn't repaid after that, Bakt sells enough of the pool to cover what you owe, and anything left over goes back to you.
Step 5 of 6
Sign, transfer, and get funded
You move the cards to Bakt inside your vault. They never physically go anywhere.
Step 6 of 6
Your loan dashboard
Pay off any day with no penalty: principal plus interest since your last monthly payment.
Your payment schedule
Interest-only each month, principal at the end. Pay off early anytime.
| Date | Payment |
|---|
When your balance hits zero, your cards come straight back
- 1Pay off your balanceAt the end of the term, or early with no penalty.
- 2We start the e-transferBakt sends your cards back through the vault, peer to peer.
- 3They're back in your vault accountSame vault, same shelf. Nothing is shipped and nothing leaves the building.
| Card | Bakt value | Share of pool | Lendability |
|---|
Your LTV = amount borrowed ÷ total pool value. Lendability tiers may change as we refine our underwriting.
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