Sellers stop discounting their homes, cars, and high-value assets out of fear that the buyer will default. We remove that fear. We verify the buyer, we collect every installment, we handle hardship humanely. The seller keeps the price. The buyer never pays interest. Everyone wins.
Every time a seller agrees to installments, that question is in the room. So the seller asks for a steep discount up front — "give me cash today, I'll lose less than if you disappear." We end this. The seller stops discounting; the buyer pays exactly what the seller asked for; we sit between them as the trust layer.
Seller asking $50,000. Buyer offers installments. Seller fears default → discounts to $40,000 cash. Seller loses $10K. Buyer either pays the full $50K via a 6% APR auto loan ($53K total) or walks away.
Both sides lose. The bank wins the spread.
Seller asking $50,000. Buyer is verified. Buyer pays $50,000 in 36 monthly installments at 0% interest. Seller receives down payment now + automated installments thereafter. We charge the seller 1% of asset value ($500) — total seller proceeds $49,500.
Seller gains $9,500. Buyer saves $3,000+. Bank gets none.
Closed list at launch — every category requires title or ownership verification before the listing goes live. Stolen-goods marketplaces start when verification is loose; ours never will be.
For-sale-by-owner. Largest transaction size, longest term, most rigorous verification — title insurance partner integration mandatory before listing.
DMV title verification per jurisdiction. The largest BNPL category by dollar volume — and the one we expect to launch first.
State-specific titling regimes apply; we handle the orchestration through our title partner.
Provenance + appraisal documentation required. Wedding rings, heirlooms, fine timepieces — high AOV, fast cycles.
Provenance chain documented. Coins, sports memorabilia, fine art — niche but high-margin transactions.
Tractors, machinery, professional equipment, small-business asset sales. Bill of sale + entity verification where applicable.
Excluded at launch: firearms · cryptocurrency · NFTs · live animals · digital goods. Each excluded category has a specific reason — see our terms for the full list.
Sellers list. Buyers browse. We sit in the middle as the trust layer that makes 0%-interest deals actually happen.
Free listing. Title or ownership verification (we orchestrate it). Choose your fee model — 1% of asset value or flat $5 per installment, whichever is better for your specific deal. Set your price, term, and required down payment.
Buyers browse and express interest. We verify identity and creditworthiness. You see a clean approve / conditional / decline recommendation — never raw credit data. Both sign the digital agreement.
Buyer's down payment goes to escrow, releases to you at title transfer. Monthly installments collected automatically by us, deposited to you. Hardship? We handle it humanely — never with debt collectors. The seller is never the bad guy.
Option A — 1% of asset value
Pick this for smaller transactions. $50K car → $500 fee paid once from the down payment. $2K watch → $20 fee.
Option B — Flat $5 per installment
Pick this for large transactions. $300K home over 240 months → $1,200 total. Without this option you'd pay $3K with the % model.
Plus standard Stripe pass-through (2.9% + 30¢ per installment) — paid by the buyer at each payment, disclosed transparently, not our revenue.
No listing fees. No subscription. No default-management fees. Our humane-default flow (grace period, restructure, Recovery referral, settlement, voluntary asset return as last resort) is built into the base fee — you never pay extra when a buyer hits hardship.
Western banks teach you that a missed payment means a collections agency, repossession, and ruined credit. That's not how this works.
Sellers who join agree this is how hardship is handled. If you want traditional collections, this isn't the right platform.
Estimated 6–9 months from now. We'll launch one category at a time (cars first — fastest cycle, lowest legal complexity). Tell us what you'd want to sell or buy, and we'll let you know the moment your category is live.
You list your asset at the price you actually want — homes, cars, jewelry, equipment. We verify the buyer's identity and creditworthiness. Both sides e-sign a digital agreement. We collect the down payment, hold it in escrow, release to you at title transfer. After that, we collect each monthly installment from the buyer automatically and deposit it to your account. You stop discounting out of fear of default; we handle the trust layer.
You pick the fee model that's better for your specific deal: 1% of asset value (better for smaller transactions) or flat $5 per installment (better for large, long-term transactions like homes). Listings are free. No subscription. No default-management fees — humane handling is built into the base fee. Standard Stripe processing pass-through (2.9% + 30¢) is paid by the buyer at each installment, disclosed transparently.
Marketplace opens in Phase 1.5 — approximately 6 to 9 months from the launch of the waitlist. We're rolling out one category at a time, cars first (fastest cycle, lowest legal complexity), then jewelry/watches, then homes (FSBO). Join the waitlist on this page and we'll notify you the moment your category is live.
We handle it humanely, and you are never the bad guy. The sequence is: grace period with dignified communication, then a restructure offer (extend term, reduce monthly), then a Recovery referral if the buyer qualifies (medical, job loss, disaster), then a settlement option, and only as the last resort — and only if the buyer voluntarily agrees — a deed-in-lieu or voluntary surrender. No court-ordered eviction. No forced repossession. If you want traditional collections, this isn't the right platform.
No. Qardon.com is Fotoh, Inc.'s for-profit technology subsidiary. The 501(c)(3) is a separate entity, qardon.org, which operates the charitable lending pool. Marketplace is a commercial product — a transparent service fee, not a charity. The 0%-interest principle applies to the buyer's experience either way.
No. Marketplace is universal — any seller, any buyer, any country, any faith. The 0%-interest mechanism is a commercial design choice that produces better outcomes for both sides than traditional financing. Muslim buyers get the added benefit of a faith-aligned product; everyone else gets a financially better deal.
Same compliance backbone we use across the platform: identity verification (KYC), creditworthiness check (FCRA-compliant), OFAC sanctions screening, fraud signal review. As a seller, you see a clean recommendation — approve, conditional, or decline — never raw credit data. If declined, the buyer receives an ECOA-compliant adverse-action notice.