Curated Capital Platform — Product Roadmap

Executive Summary

The Curated Capital Platform (working title: "Client Portal") is a subscription-based web application that provides real-time valuations and portfolio tracking for luxury asset collectors.

Strategic Context

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—which may be equally or more profitable than lending.

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).

The Platform Strategy: If we successfully establish a low-cost subscription platform that solves the "inventory management and insights" need, we will have also built:

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

Primary Purpose: Customer acquisition for Curated Capital's lending and acquisition businesses.

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.

Timeline

6-month validation window aligned with OCCC approval timeline.

Visual Timeline

JAN

FEB

MAR

APR

MAY

JUN

JUL

AUG+

REGULATORY

OCCC Application

Submit Feb 1

OCCC Approval

Target

DEVELOPMENT

Phase 1: Foundation

Infrastructure & Beta

Phase 2: MVP Launch

Public Launch

Phase 3: Growth

Scale to 1,000 Subscribers

Phase 4: Lending

Enable

MARKETING

Waitlist Building

Digital Ads & Content

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

1. Product Vision

The Problem

Affluent collectors who own at least $250K–$500K+ in watches, jewelry, art, and gold think of these assets as long-term investments—often listing them on financial statements and insurance policies—but have no way to see what they're worth today or ease of transacting (lending/selling). They hold conviction without actionable data.

The Solution

A portfolio dashboard that treats luxury assets like financial assets:

See real-time market valuations
Track performance over time
Transact easily—sell to us or borrow against assets (post-OCCC)

The Tagline

"Your collection is capital."

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

2. Success Metrics & Gates

North Star Metric

Paid Subscribers — The primary indicator of product-market fit.

Validation Targets (by OCCC Approval ~Aug 2026)

1,000

Paid Subscribers

5,000

Free Users

10,000+

Assets Tracked

$25M+

Portfolio Value

$20K

MRR

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

3. Timeline & Phases

Phase 1: Foundation (Jan–Feb 2026)

Duration: 6 weeks | Goal: Core infrastructure, waitlist validation, beta-ready product

Deliverables

Deliverable	Owner	Status
Product roadmap finalized	Patrick	In Progress
Technical architecture defined	Krister	In Progress
Django project scaffolded	Krister	In Progress
User auth (Django built-in)	Krister	Not Started
Database schema designed	Krister	Not Started
Asset entry flow (manual)	Krister	Not Started
Basic dashboard UI	Krister	Not Started
Waitlist page live	Patrick	Complete
Typeform → Google Sheet flow	Patrick	Complete
Brand guidelines v2	Patrick	Complete
OCCC application submitted	Patrick	Target: Feb 2026

Exit Criteria

Users can register and log in
Users can add assets manually (see Asset Entry Spec below)
Basic dashboard displays assets with placeholder valuations
200+ waitlist signups
OCCC application submitted

Phase 2: MVP Launch (Mar–Apr 2026)

Duration: 8 weeks | Goal: Public launch, first paid subscribers, valuation engine v1

Features: MVP Scope

Feature	Description	Gated?
User registration & login	Email/password, email verification	No
Asset entry (manual)	Full entry flow per spec	No
Photo upload	Up to 6 photos per asset	No
Document upload	PDFs for COAs, receipts, appraisals	No
Portfolio dashboard	Total value, category breakdown, asset grid	No
Automated valuations	Pull from market sources	No
Gain/loss display	Current value vs. purchase price	No
Subscription paywall	Free: 3 assets / Paid: unlimited	No
Stripe integration	Payment processing	No

Features: Gated (Coming Soon)

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 (MVP)

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

Exit Criteria

Public launch complete
500+ registered users
50+ paid subscribers
Valuation engine returning data for 80%+ of added assets
Stripe payments processing successfully

Phase 3: Growth & Iteration (May–Jul 2026)

Duration: 12 weeks | Goal: Scale to 1,000 subscribers, improve retention, prepare for lending

Focus Areas

1. Conversion Optimization

A/B test pricing (monthly vs. annual emphasis)
Optimize free → paid upgrade prompts
Improve onboarding flow

2. Valuation Quality

Expand data sources
Add price history charts
Implement value change alerts

3. Retention Features

Email digests (weekly portfolio summary)
Value alerts (asset up/down X%)
PDF reports

Scaling Triggers

Trigger	Action
500 paid subscribers	Migrate to AWS
500 paid subscribers	Evaluate auth upgrade (Okta)
1,000 paid subscribers	Hire part-time support
1,000 paid subscribers	Increase ad budget 2x

Exit Criteria

1,000+ paid subscribers (VALIDATION ACHIEVED)
90%+ monthly retention rate
Lending features built and tested (gated)
Mobile app submitted to App Store

Phase 4: Lending Integration (Aug 2026+)

Duration: Ongoing | Goal: Enable lending features, convert subscribers to borrowers

Timing dependent on OCCC approval

Features to Ungate

Feature	Description
Borrowing capacity display	Show LTV (50%) and available $ per asset
"Unlock Liquidity" CTA	Prominent button on dashboard
Loan application flow	In-app form, document upload
Loan status tracking	View pending, active, paid loans

Success Metrics (Post-Lending)

Metric	Target
Subscriber → Loan Inquiry	10%
Loan Inquiry → Funded Loan	30%
Average Loan Size	$25,000
Loans/month (Year 1)	10–20

4. Product Specifications (For Krister)

4.1 Asset Entry Flow — MVP Specification

User Flow

[+ Add Asset] → Select Category → Enter Details → Upload Photos → Upload Docs (Optional) → Save

Step 1: Select Category

User selects one of: ⌚ Watch | 💎 Jewelry | 🎨 Art | 🪙 Gold/Precious Metals

Step 2: Enter Details

Common Fields (All Categories)

Field	Type	Required	Notes
Name/Title	Text	Yes	Display name (e.g., "Rolex Daytona")
Brand/Maker	Text	Yes	e.g., Rolex, Cartier, Banksy
Purchase Date	Date	No	When acquired
Purchase Price	Currency	No	What you paid
Condition	Dropdown	No	Mint / Excellent / Very Good / Good / Fair
Location	Dropdown	No	Home / Safe Deposit / Vault / Other
Notes	Textarea	No	Free-form notes

Watch-Specific Fields

Field	Type	Required	Notes
Model	Text	Yes	e.g., "Daytona"
Reference Number	Text	Yes	e.g., "116500LN" (critical for valuation matching)
Serial Number	Text	No	Encrypted storage
Year	Number	No	Year of production
Box & Papers	Checkbox	No	Has original box/papers

Jewelry-Specific Fields

Field	Type	Required	Notes
Type	Dropdown	Yes	Ring / Bracelet / Necklace / Earrings / Brooch / Other
Collection	Text	No	e.g., "Love" for Cartier Love bracelet
Metal	Text	No	e.g., "18K Yellow Gold"
Gemstones	Text	No	e.g., "Diamonds, 2.5ct total"
Size	Text	No	Ring size, bracelet length, etc.
Box & Papers	Checkbox	No	Has original box/papers

Art-Specific Fields

Field	Type	Required	Notes
Artist	Text	Yes	e.g., "Banksy"
Title	Text	Yes	e.g., "Girl with Balloon"
Year Created	Number	No	Year artwork was created
Medium	Text	No	e.g., "Screen print on paper"
Dimensions	Text	No	e.g., "19.5 x 27.5 inches"
Edition	Text	No	e.g., "45/150" for prints
Signed	Checkbox	No	Is it signed
COA	Checkbox	No	Has certificate of authenticity

Gold/Precious Metals Fields

Field	Type	Required	Notes
Type	Dropdown	Yes	Bullion / Coins / Bars / Loose Stones
Metal/Material	Dropdown	Yes	Gold / Silver / Platinum / Diamonds
Weight	Number + Unit	Yes	e.g., "1" + "oz" or "31.1" + "grams"
Purity	Text	No	e.g., "999 fine" or "22K"
Quantity	Number	No	For multiple coins/bars

Step 3: Upload Photos

Up to 6 photos per asset
Accepted formats: JPG, PNG, HEIC
Max file size: 10MB per photo
First photo = primary/thumbnail
Drag to reorder

Step 4: Upload Documents (Optional)

Document types: COA, Receipt, Appraisal, Insurance Doc, Warranty, Other
Accepted formats: PDF, JPG, PNG
Max file size: 25MB per document
Multiple documents allowed

Step 5: Save

Asset saved to portfolio
System attempts valuation match (async)
If no match: show "Valuation pending" and flag for manual review

4.2 Dashboard Specification — MVP

Portfolio Summary Section

Total Portfolio Value Card

Large value display: "$487,250"
Gain/loss vs. cost basis: "+$74,450 (+18.0%)"
Subtext: "vs. $412,800 cost basis"

Available to Borrow Card Gated until OCCC

Show: "$243,625"
Subtext: "at 50% LTV across all assets"
CTA: "Unlock Liquidity →" (disabled/coming soon until licensed)

Category Filter Tabs

All Assets | Watches | Jewelry | Art | Gold
Each shows: count and subtotal value
Clicking filters the asset grid

Asset Grid

Card-based layout, responsive grid
Each card shows: Category icon, Asset name, Reference/details, Current value, Gain/loss badge (green/red)
Click card → Asset detail modal

Asset Detail Modal

Full asset info
All photos (carousel)
Documents list
Valuation sources
Edit button
"Borrow against this asset" CTA (gated)

4.3 Valuation Engine — MVP Approach

Phase 1 (Beta): Manual + Placeholder

User adds asset
System shows placeholder: "Valuation pending"
Patrick/Krister manually research and enter valuation
Good for first 100 beta users to validate UX

Phase 2 (Launch): Semi-Automated

Category	Approach
Watches	Match reference number to Chrono24/WatchCharts data (scraped or manual)
Jewelry	Match brand + collection to resale comps (manual initially)
Art	Match artist + title to auction records (manual initially)
Gold	Automated: Spot price API × weight

Valuation Display

Show: Current value, Low/High range (if available)
Show: Sources (e.g., "Based on Chrono24, WatchCharts")
Show: Last updated timestamp
Show: Confidence indicator (High/Medium/Low)

Manual Override

User can set custom value
Custom value flagged in UI
Custom value excluded from automated updates

4.4 Subscription & Paywall — MVP

Free Tier Limits

3 assets maximum
All features available for those 3 assets
Upgrade prompt when adding 4th asset

Upgrade Flow

// When user tries to add 4th asset: [Add 4th Asset] → Modal: "Upgrade to Premium" • Unlock unlimited assets • $19.99/month or $199/year [Upgrade Now] [Maybe Later]

Stripe Integration

Stripe Checkout for payment
Stripe Customer Portal for managing subscription
Webhooks for subscription status changes
Handle: new subscription, cancellation, payment failure

5. Technical Architecture

Stack Overview

Layer	Technology
Frontend	Django Templates + Tailwind CSS
Backend	Django
Database	PostgreSQL
Auth (initial)	Django built-in
Auth (scale)	Okta or Auth0
Payments	Stripe
Email	Postmark or SendGrid
File Storage	AWS S3 (or local initially)
Hosting (initial)	Local / DigitalOcean
Hosting (scale)	AWS
Mobile	Capacitor (web → native wrap)

Hosting Evolution

Phase	Hosting	Cost	Trigger
Phase 1–2	Local / DigitalOcean	~$50/mo	500 users
Phase 3	AWS (EC2 + RDS + S3)	~$200–500/mo	1,000 users
Phase 4+	AWS (scaled)	~$500–2,000/mo	5,000+ users

6. 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
Device: Desktop primary, mobile secondary

Secondary: The Serious Enthusiast

Age: 35–50
Net worth: $500K–$2M
Collection value: $50K–$250K
Pain: Wants to track performance, justify purchases
Device: Mobile-forward but comfortable on desktop

Tertiary: The Inheritor

Age: 30–50
Collection value: $100K+ (inherited)
Pain: Need to inventory and value inherited items
Device: Mobile-first

7. Go-to-Market Strategy

Pre-Launch (Now–Launch)

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 (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 (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

8. Team & Resources

Current Team

Role	Person	Commitment
CEO / Product	Patrick Sells	Full-time
CTO / Engineering	Krister Bowman	Contract / Part-time
AI Assistance	Claude	As needed

Claude Teams Setup

To collaborate with Krister using Claude:

Claude Teams — $30/user/month, shared workspace
Go to claude.ai → Settings → Upgrade to Teams
Invite Krister to workspace
Create a shared Project for Curated Capital Platform
Upload codebase, docs, roadmap to Project Knowledge

9. Open Questions & Decisions

Product

Question	Options	Decision Needed By
Platform name?	"Client Portal," "Portfolio," "Vault," other	Phase 2 launch
Free tier limit?	3 assets, 5 assets, or time-limited trial?	Phase 2 launch
Annual pricing?	$199/year (17% off) or $179/year (25% off)?	Phase 2 launch

Technical

Question	Options	Decision Needed By
Valuation update frequency?	Real-time, daily, weekly?	Phase 2
Manual enrichment workflow?	Django admin, separate tool?	Phase 2
Mobile app timing?	Capacitor wrap in Phase 3 or later?	Phase 3

Go-to-Market

Question	Options	Decision Needed By
Launch geography?	DFW only or national?	Phase 2 launch
Ad creative approach?	Video, static images, UGC?	Phase 2 launch
Influencer/ambassador?	Watch YouTubers, IG collectors?	Phase 3

10. 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

11. Next Steps

Patrick + Krister: Review and finalize roadmap
Krister: Confirm technical architecture decisions
Patrick: Set up Claude Teams workspace
Patrick: Finalize OCCC application (Feb target)
Krister: Complete Phase 1 deliverables
Patrick: Begin waitlist nurture campaign

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 for Krister