Family jewelry sitting forgotten in drawers may represent substantial financial assets that owners have never properly valued. A new financial technology platform is changing that dynamic by allowing people to track their jewelry holdings with the same precision they would apply to stocks or bonds.
Unvault, a fintech application co-created by Indian-American entrepreneur Sidhi Singhvi, enables users to create digital portfolios of their jewelry and monitor value fluctuations based on real-time precious metal market prices. The platform addresses a significant gap in personal finance management, particularly as gold prices have surged dramatically in recent years.
Since 2023, gold prices have more than doubled, reaching a current spot price of $4,500 per ounce. This dramatic appreciation means that jewelry purchased decades ago—when gold traded between $35 and $200 per ounce during the 1960s and 1970s—could now be worth thousands or even tens of thousands of dollars. Pieces containing 18 karats or higher gold content have become particularly valuable assets.
"Unvault is a way to understand the value of your jewelry that is locked in drawers and completely out of your thoughts," Singhvi explained. "It's your first line of defense to understand a little bit about the asset you own. We put it in a portfolio for you, so think about a Robinhood for your jewelry, where you can see the value of it change with the values on the market."
The application employs artificial intelligence to analyze photographs of jewelry uploaded by users. The technology inspects each piece and generates a valuation, which is then integrated into the user's digital portfolio. This allows owners to monitor market value changes or simply maintain accurate records for household financial audits and insurance purposes.
Singhvi, whose career has spanned various financial markets including investment grade jewelry, identified a fundamental infrastructure gap in how Americans manage gold assets. "I always found it strange that gold, which is a huge asset class and an asset class that's owned by half the houses in the US, doesn't benefit from the infrastructure we have for Bitcoin, for example," she noted.
The timing of Unvault's launch has coincided with extraordinary movements in precious metal markets. As December 2025 transitioned into January 2026, gold and silver prices rose dramatically, with gold reaching $5,600 per ounce. This parabolic price movement generated substantial public interest in precious metal valuations.
"I believe this is gold's shining moment, not only with what's reflected in the pricing but also in the sentiment that we see: that customers are more and more aware of gold pricing, in the daily movements of gold, they're into tracking, they want to know the value of what they own," Singhvi observed.
The platform has gained rapid acceptance among users, earning a 4.9 out of 5 star rating on Trust Pilot with 165 five-star reviews. Beyond gold, Unvault provides valuations for silver and gemstones as well.
Users report receiving substantially higher valuations through Unvault compared to traditional pawnshops or local jewelers operating in the resale market. Maria from San Francisco discovered that Unvault valued her grandmother's jewelry at $8,000, prompting her to secure an insurance policy on the pieces even though she chose not to sell them.
The platform also offers a selling option for users who wish to liquidate their jewelry. "If you want to sell to us, you can sell to us," Singhvi stated, acknowledging that local buyers may not always agree with Unvault valuations. "It's okay if the jewelers or the pawnbrokers don't want to use it, we didn't build it for them. We built it for people who have jewelry and who have no idea, and who don't want to go to a pawnshop or a jeweler and get paid $100 for their piece that could be worth thousands."
The financial implications extend beyond current valuations. JP Morgan has issued a price forecast projecting gold to reach $6,300 per ounce this year, suggesting potential additional appreciation of approximately 30 percent from current levels. This forecast underscores the importance of understanding the true value of jewelry holdings, particularly older pieces that may have been acquired when precious metal prices were a fraction of today's levels.
For households conducting financial planning or estate management, Unvault represents a tool for bringing previously untracked assets into formal accounting. The ability to monitor jewelry values from home eliminates the need for potentially uncomfortable negotiations with merchants and provides transparency in an industry where information asymmetry has traditionally favored professional buyers over individual sellers.
