📊 Strategy & Product
Vision, product roadmap, and execution timeline for Curated Capital.
6 mo
Validation Window
1,000
Target Subscribers
$20K
Target MRR
Aug '26
OCCC Target
$25M+
Portfolio Value
Executive Summary
The Curated Capital Platform is a subscription-based web application that provides real-time valuations and portfolio tracking for luxury asset collectors.
The Opportunity: Curated Capital is building a lending business focused on a relatively untapped asset class - ultra high value personal property (watches, jewelry, art, gold, collectibles). This market is underserved by traditional lenders who won't accept these assets as collateral, and poorly served by pawn shops that offer unfair valuations and a stigmatized experience.
The Vision
Build a $500M+ loan book providing liquidity against ultra high value items, plus a secondary line of business in buying/selling these items from the same customer base.
The Strategic Insight
Instead of only meeting customers at their moment of need (like competitor Borro.com does), we believe we can build long-term, sticky relationships by solving a problem they have today: the lack of visibility into what their collection is worth and the difficulty of transacting (lending/selling).
Platform Strategy Benefits
- A large, qualified customer base (we know what they own)
- High-margin subscription revenue
- Sticky customer relationships
- The trusted lender/buyer of choice when they need liquidity
"Your collection is capital."
Validation Thesis
If we can acquire 1,000 paying subscribers during the OCCC licensing period (Feb-Aug 2026), we have validated product-market fit and should scale aggressively post-license.
Success Metrics
1,000
Paid Subscribers
5,000
Free Users
10,000+
Assets Tracked
$25M+
Portfolio Value
$20K
MRR
Strategic Value
| Value | Description |
|---|---|
| Customer Acquisition | Users who track assets become borrowers/sellers when they need liquidity |
| Pre-Qualified Pipeline | We know what they own, what it's worth, and their contact info |
| Data Moat | Aggregate valuation data improves our lending/buying decisions |
| Recurring Revenue | $19.99/mo subscriptions provide baseline revenue |
| Relationship Moat | Ongoing engagement vs. transactional competitors |
Visual Timeline
JAN
FEB
MAR
APR
MAY
JUN
JUL
AUG+
REGULATORY
OCCC Application
OCCC Approval
DEVELOPMENT
Phase 1: Foundation
Phase 2: MVP Launch
Phase 3: Growth
Phase 4: Lending
MILESTONES
Key Gates
Key Dates
| Date | Milestone |
|---|---|
| Jan 15, 2026 | Phase 1 development begins |
| Feb 1, 2026 | OCCC application submitted |
| Feb 28, 2026 | Phase 1 complete (beta-ready) |
| Mar 15, 2026 | Public launch (MVP) |
| Apr 30, 2026 | Gate 2: 500 free users, 50 paid |
| Jul 31, 2026 | Gate 3: 1,000 paid subscribers (VALIDATION) |
| Aug 2026 | OCCC approval (target) |
| Aug 2026+ | Phase 4: Lending features enabled |
Phase Gates
| Gate | Criteria | Decision |
|---|---|---|
| Gate 1: Launch | MVP complete, 100 beta users | Open to public |
| Gate 2: Traction | 500 free users, 50 paid | Increase ad spend |
| Gate 3: Validation | 1,000 paid subscribers | Prepare for lending launch |
| Gate 4: Lending | OCCC approved | Enable borrowing features |
Asset Entry Flow
User Flow
[+ Add Asset]
→
Select Category
→
Enter Details
→
Upload Photos
→
Upload Docs
→
Save
Asset Categories
Watch | Jewelry | Art | Gold/Precious Metals
Common Fields (All Categories)
| Field | Type | Required |
|---|---|---|
| Name/Title | Text | Yes |
| Brand/Maker | Text | Yes |
| Purchase Date | Date | No |
| Purchase Price | Currency | No |
| Condition | Dropdown | No |
| Location | Dropdown | No |
| Notes | Textarea | No |
MVP Features
| Feature | Description | Status |
|---|---|---|
| User registration & login | Email/password, email verification | Pending |
| Asset entry (manual) | Full entry flow per spec | Pending |
| Photo upload | Up to 6 photos per asset | Pending |
| Document upload | PDFs for COAs, receipts, appraisals | Pending |
| Portfolio dashboard | Total value, category breakdown | Pending |
| Automated valuations | Pull from market sources | Pending |
| Subscription paywall | Free: 3 assets / Paid: unlimited | Pending |
| Stripe integration | Payment processing | Pending |
Gated Features (Post-OCCC)
| Feature | Description | Gate |
|---|---|---|
| Borrowing capacity display | Show LTV and $ available | OCCC Approval |
| "Borrow against this asset" CTA | Route to loan application | OCCC Approval |
| Loan application flow | In-app loan request | OCCC Approval |
| Loan status tracking | View active loans | OCCC Approval |
Pricing Model
| Tier | Price | Features |
|---|---|---|
| Free | $0 | 3 assets with valuations, basic dashboard |
| Premium | $19.99/mo | Unlimited assets, full valuations, priority support |
| Premium Annual | $199/year | Same as Premium, ~17% discount |
Technical Stack
| Layer | Technology |
|---|---|
| Frontend | Django Templates + Tailwind CSS |
| Backend | Django |
| Database | PostgreSQL |
| Auth | Django built-in (Okta at scale) |
| Payments | Stripe |
| File Storage | AWS S3 |
| Mobile | Capacitor (web → native wrap) |
Target Personas
Primary: The Established Collector
- Age: 45-60
- Net worth: $2M-$10M
- Collection value: $250K-$500K+
- Pain: No single view of what collection is worth today
Secondary: The Serious Enthusiast
- Age: 35-50
- Net worth: $500K-$2M
- Collection value: $50K-$250K
- Pain: Wants to track performance, justify purchases
Pre-Launch Tactics
| Tactic | Goal | Status |
|---|---|---|
| Waitlist page | Capture early interest | Live |
| Typeform signup | Collect lead data | Live |
| Homepage teaser | Drive waitlist signups | Live |
| LinkedIn posts | Build anticipation | Not Started |
| Waitlist nurture emails | Keep leads warm | Not Started |
Launch Budget (Month 1)
| Tactic | Budget | Goal |
|---|---|---|
| Waitlist activation emails | $0 | Convert waitlist to users |
| Google Ads (watch keywords) | $1,500 | Drive registrations |
| Meta Ads (collector audiences) | $1,000 | Drive registrations |
| Patrick LinkedIn content | $0 | Thought leadership |
| Collector forum posts | $0 | Community seeding |
Target Month 1: 500 registrations, 50 paid subscribers
Growth Budget (Months 2-6)
| Tactic | Budget/mo | Goal |
|---|---|---|
| Google Ads (scaled) | $2,000-4,000 | Sustained acquisition |
| Meta Ads (scaled) | $1,000-2,000 | Sustained acquisition |
| Referral program | $0 (credits) | Viral growth |
| Dealer partnerships (DFW) | $0 | Local credibility |
| Email marketing | $50 | Retention, upsell |
Target Month 6: 5,000 registrations, 1,000 paid subscribers
Risks & Mitigations
| Risk | Impact | Likelihood | Mitigation |
|---|---|---|---|
| Valuation data unavailable | Core feature broken | Medium | Multiple sources, manual fallback |
| Low conversion free → paid | Revenue shortfall | Medium | Optimize paywall, test pricing |
| OCCC delayed beyond Aug | Lending launch delayed | Low | Platform is viable standalone |
| Competitor launches similar | Market share loss | Medium | Speed, lending integration moat |
| Krister availability | Development slowed | Low | AI augmentation, clear priorities |
| Ad costs too high | CAC exceeds LTV | Medium | Organic channels, referral program |
Open Questions
Product
| Question | Options | Decision By |
|---|---|---|
| Platform name? | "Client Portal," "Portfolio," "Vault" | Phase 2 |
| Free tier limit? | 3 assets, 5 assets, or time-limited? | Phase 2 |
| Annual pricing? | $199/year or $179/year? | Phase 2 |
Technical
| Question | Options | Decision By |
|---|---|---|
| Valuation update frequency? | Real-time, daily, weekly? | Phase 2 |
| Manual enrichment workflow? | Django admin or separate tool? | Phase 2 |
| Mobile app timing? | Capacitor wrap Phase 3 or later? | Phase 3 |
Go-to-Market
| Question | Options | Decision By |
|---|---|---|
| Launch geography? | DFW only or national? | Phase 2 |
| Ad creative approach? | Video, static images, UGC? | Phase 2 |
| Influencer/ambassador? | Watch YouTubers, IG collectors? | Phase 3 |
Document History
| Version | Date | Changes |
|---|---|---|
| 1.0 | Jan 25, 2026 | Initial roadmap |
| 1.1 | Jan 25, 2026 | Added strategic context, Gantt chart, detailed product specs |
| 1.2 | Jan 26, 2026 | Integrated into OS as Strategy & Product page |