AB Bank

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🚀 AB Bank is launching soon — spots are limited. Join the Waitlist →
Finally — a bank on your side

Your assets deserve
a bank that respects them.

Own a Rolex, gold, diamonds, or a luxury handbag? Bring it in — or ship it to us — and get a fair loan the same day. No credit score. No hidden fees. Your FICO grows with every payment.

Join the Waitlist → See How It Works
No hidden fees. Ever.
·
No credit score required
·
Up to 85% of your asset's value
·
Earn 8% / year on savings
What We Do

A real bank that finally
works for you — not against you.

AB Bank is a fully licensed US digital bank. No hidden fees. No fine print. No credit score needed. Deposit a physical asset — a watch, gold, diamonds, a luxury handbag — and choose what you want in return.

Option A

Get a loan — spend it immediately

Deposit your asset and receive up to 85% of its market value as a loan — deposited directly into your AB Bank account. Use it instantly with your debit card anywhere Visa is accepted. No waiting, no approval delays, no credit check.

✓ Money in your account the same day ✓ Use with your debit card immediately ✓ 2–3% monthly — no other fees ✓ Repay anytime, get your asset back
Option B

Get a credit card with a real credit line

Prefer a credit card? Your deposited asset backs a full credit line. Swipe your AB Bank credit card anywhere, pay monthly, and build your FICO score with every payment — reported to all three credit bureaus.

✓ Real Visa credit card issued to you ✓ Credit line based on your asset's value ✓ Every payment builds your FICO score ✓ Path to unsecured credit over time
We accept
⌚ Luxury Watches 🥇 Gold 💍 Diamonds & Jewelry 👜 Luxury Handbags + more coming soon
How It Works

From asset to cash —
here's exactly what happens.

Let's say you own a Rolex worth $3,000. Here's what AB Bank does for you, step by step.

01

Open a free account — takes 3 minutes

Download the AB Bank app. Enter your name, address, and ID — we verify your identity digitally (no branch visit). You instantly get a full US checking account with a virtual debit card, ready to use.

✓ No credit check ✓ No minimum balance ✓ Debit card issued instantly
02

Bring in your Rolex — or ship it to us

You have two options: visit an AB Bank branch and hand it over in person, or use Safe-Ship — we send you a fully insured, prepaid shipping box. You drop it at UPS. That's it. We receive it, log it, and photograph it with 360° documentation.

Your watch is insured for its full value from the moment it leaves your hands until you get it back.
03

We value it fairly — and send you cash the same day

Our AI compares your watch against thousands of real secondary-market sales. A $3,000 Rolex gets you $2,550 in your account — that's 85% of its value, same day. A pawn shop would hand you $1,200 at 15–20% monthly interest. No comparison.

Pawn Shop
$1,200
at 15% / month
AB Bank
$2,550
at 2–3% / month
04

Manage everything from your phone — on your terms

After step 2, you never need to visit us again. Our loans run for up to a full year. Pay down part of the principal whenever you want — no penalties, no questions. We're here to serve you, not to trap you.

✓ Loans up to 12 months ✓ Pay principal anytime, no penalties ✓ Extend with one tap ✓ Get your asset back anytime
05

Every payment builds your credit score

This is the part no pawn shop ever offers. AB Bank reports every on-time payment to all three credit bureaus — Equifax, Experian, and TransUnion. After 6–12 months of payments, your FICO score rises. You become eligible for a regular credit card. You graduate from the system that was trapping you.

The goal isn't just to give you a loan. It's to make sure you never need to come back to a pawn shop again.
AB Bank vs. Pawn Shops

The same asset.
A completely different deal.

Pawn shops exist because banks ignored the gap. AB Bank closes it — permanently.

Category Pawn Shop AB Bank
Monthly interest rate 5% – 25% 2% – 3%
Loan-to-value ratio ~50% Up to 85%
Reports to credit bureaus Never Every payment
Manage from app None Full control
Asset valuation Manual, subjective AI-powered
Required in-person visits Monthly One time only
Path to a credit card None Built in
Loan term 30–90 days Up to 12 months
Repay principal early Not allowed Anytime, no penalty
Hidden fees Often Zero. Never.
Savings account None 6–8% / year
For Investors

Want to earn up to 8% a year
on your money?

Open an AB Bank savings account. No bank in the world offers this rate — starting at just $100.

6–8% per year. Starting at $100.

The average US savings account pays 0.5%. AB Bank pays you 6–8% — because we put your money to work the smart way. Withdraw anytime. No lock-in. No minimums after opening.

✓ Start with $100 ✓ Withdraw anytime ✓ Interest paid monthly ✓ Zero fees
$10,000 / year
$800 with us
$50 at a regular bank
For Asset Owners

Own a watch, gold, or jewelry?
Your assets can do more.

Deposit your item once. Choose a loan or a credit card. No credit check, no hidden fees.

💎

Asset-Backed Loan

Get up to 85% of your asset's value as cash — same day. 2–3% monthly, loans up to 12 months, repay the principal anytime. No penalties, no surprises.

💳

Credit Card + FICO Building

Prefer a credit card? Your asset backs a real credit line. Every payment builds your FICO — reported to Equifax, Experian & TransUnion.

📱

Full Digital Bank Account

Checking account, debit card, ACH transfers — all in one app. One branch visit, then everything from your phone.

📦

Safe-Ship — No Branch Needed

Not near a branch? We send a prepaid insured box to your door. Drop it at UPS and we handle the rest.

Early Access

Be the first to bank
on what you own.

AB Bank is launching soon. Join the waitlist and get early access before we open to the public.

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