Yourasset AG
Yourasset AG is a Swiss licensed credit broker operating a B2B2C marketplace that finances luxury watch purchases of CHF 5,000-250,000 over 12-60 months. The Zurich-based fintech connects private buyers with brand partners (Breitling, Ulysse Nardin) and verified Swiss pre-owned merchants.
- Company typePrivate
- Founded2020
- HeadquartersZürich, Switzerland
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What Yourasset AG does
Yourasset AG is a Zurich-headquartered Swiss fintech founded in 2020 that operates a dual-sided luxury watch marketplace and financing platform. The company's core offering is installment-based financing for watches priced between CHF 5,000 and CHF 250,000, with terms of 12 to 60 months and interest rates ranging from 5.9% to 9.95% per annum, marketed to Swiss private buyers aged 18-65 with employment income. As a licensed credit broker, Yourasset originates credit through multiple Swiss banking partners and earns revenue from the interest spread (5.9%-9.95% p.a.) on customer financing, a 5% seller facilitation fee on watch transactions it processes, and B2B managed services paid by merchants and brands for financing enablement and digital boutique infrastructure.
The platform is built on a cloud-native architecture hosted on Microsoft Azure with data centers in Switzerland, and exposes its functionality through an embeddable JavaScript financing widget (distributed via npm as @yourasset/ya-checkout-financing) plus a co-branded digital boutique channel accessible via QR code and email. Distribution is B2B2C: luxury watch brands (Breitling, Ulysse Nardin) and verified pre-owned merchants (Ponti Collection, Evory Chrono, Exel Watches Switzerland, 41 Watch Geneva) embed Yourasset's financing into their online and physical retail, while individual buyers apply directly through Yourasset.com. Inventory available on the platform exceeds 2,000 new watches and 1,000 pre-owned watches.
The go-to-market combines channel partnerships (luxury brands, authorized retailers, pre-owned merchants) with direct-to-consumer acquisition via the Yourasset.com platform and content marketing through the company blog, Instagram, and LinkedIn. Marketing emphasizes the Swiss-specific tax-deductibility of consumer credit interest and the appreciation profile of luxury watches versus depreciating asset financing like auto leasing. Geographic focus is Switzerland with expansion underway into Germany.
Yourasset AG firmographics
Firmographics- Name
- Yourasset AG
- Legal name
- Yourasset AG
- Website
- https://yourasset.com
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Yourasset AG is a Swiss licensed credit broker operating a B2B2C marketplace that finances luxury watch purchases of CHF 5,000-250,000 over 12-60 months. The Zurich-based fintech connects private buyers with brand partners (Breitling, Ulysse Nardin) and verified Swiss pre-owned merchants.
- Ownership category
- akta.pro rank
Yourasset AG industry classification
Industry- Product category
- Luxury Watch Financing / Consumer Lending
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231), Sales Financing (522220), Activities Related to Credit Intermediation (5223)
- SIC
- Loan Brokers (6163), Personal Credit Institutions (6141)
- akta.pro primary industry
- BNPL for High-Ticket / Longer-Term Installments (FSAKACAN)
- akta.pro secondary industries
- Cross-Border / Multi-Currency BNPL (FSAKACAM), B2B Trade Credit at POS (SME Installment/Invoice-at-Checkout) (FSAKAFAO)
Keywords
Where Yourasset AG is headquartered
LocationHeadquarters
- HQ city
- Zürich
- HQ country
- Switzerland
- HQ region
- Europe
Offices1 record
Markets served
Yourasset AG business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Infrastructure, Operations
Revenue model
- Financing Interest: Revenue generated from interest on financing arrangements. Customers pay fixed monthly installments to banking partners. Interest rates range from 5.9% to 9.95% p.a. In Switzerland, interest costs are tax-deductible for private customers.
- Seller Facilitation Fee: Yourasset charges sellers a 5% facilitation fee on the selling price when facilitating watch sales through the platform.
- B2B Partner Services: Merchants and brands pay for financing payment enablement services, receiving the purchase price upfront without credit risk. Yourasset handles the financing process and provides digital boutique infrastructure.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Watch Financing - 60 month term |
| Subscription | Monthly | Watch Financing - 48 month term |
| Subscription | Monthly | Watch Financing - 36 month term |
| Subscription | Monthly | Watch Financing - 24 month term |
| Subscription | Monthly | Watch Financing - 12 month term |
| Transaction based/ take rate | Pay-as-you-go | Seller Facilitation Fee |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels5 records
Yourasset AG product offering
Product offeringCore offering
Yourasset AG is a Swiss licensed credit broker that provides installment financing for luxury watches priced between CHF 5,000 and CHF 250,000, with terms of 12-60 months at interest rates of 5.9%-9.95% per annum routed through Swiss banking partners. The company operates a dual marketplace for new watches (from brand and retail partners) and pre-owned watches (from verified Swiss merchants) along with a sell-side facilitation service charging a 5% seller fee. For B2B partners, Yourasset offers an embeddable financing widget and white-label B2B financing solutions that allow merchants to receive the purchase price upfront while assuming no credit risk.
Product overview
Yourasset AG operates a dual-sided luxury watch marketplace and financing platform. The core offering consists of Luxury Watch Financing, enabling customers to pay for watches over 12-60 months up to CHF 250,000 through banking partners. The platform hosts two distinct marketplaces: a New Watches Marketplace (1,300+ watches from brand and retail partners) and a Pre-owned Watches Marketplace (1,200+ watches from verified Swiss merchants). Supporting services include a Watch Selling Service (with 5% facilitation fee) and Personal Account/Collection Management. For partners, Yourasset offers the Yourasset Financing Widget for website integration and comprehensive B2B Financing Solutions enabling brands and retailers to offer installment payments without credit risk.
Differentiator
Problem solved
Functional benefit
Products and services
- Luxury Watch Financing Installment financing product enabling Swiss customers to pay for luxury watches over 12 to 60 months, with amounts up to CHF 250,000. Customers pay fixed monthly installments to Yourasset's banking partner.
- New Watches Marketplace Online marketplace enabling customers to browse and purchase new luxury watches directly from brand and retail partners, with over 1,300 new watches available and integrated financing options.
- Pre-owned Watches Marketplace Online marketplace for pre-owned luxury watches offered from verified Swiss merchant partners, with over 1,200 pre-owned watches available for purchase with built-in financing.
- Digital Boutique for Watch Sellers Partner offering allowing verified merchant partners to showcase their products and manage customer transactions through a co-branded digital storefront on Yourasset.com.
- Yourasset Financing Widget Embeddable JavaScript financing payment widget that partners can integrate into their websites and checkout processes to display monthly payment options, available as an npm package for developer integration.
- Partner Solutions / B2B Financing White-label financing payment solutions for luxury brands, retailers, and pre-owned dealers, enabling them to offer installment payment options up to CHF 250,000 over 12-60 months with no credit risk borne by the merchant.
- Watch Selling Service Service enabling customers to sell watches directly to verified merchant partners or verified private buyers, with Yourasset handling the process and charging a 5% facilitation fee.
Quantifiable outcome
- Luxury watches can appreciate over time unlike cars which depreciate, potentially offsetting financing interest costs
- +1 more outcomes
Companies that use Yourasset AG
Customer profileNamed customers7 records
Segments3 records
Ideal customer profiles3 records
Yourasset AG technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
Yourasset AG partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core, minor and major.
- Microsoft for StartupscoreTechnology partnership providing cloud infrastructure via Microsoft Azure with data centers in Switzerland. Yourasset leverages Microsoft's IT infrastructure, mentoring program, and marketplace support. All Swiss customer data is stored on Swiss servers.
- Insurance PartnersminorPartnership with insurance providers allowing customers to insure their watches through the Yourasset account platform.
- BreitlingmajorSwiss watch brand offering new watches through Yourasset's digital platform and enabling financing options for customers at Breitling boutiques in Grenchen, Switzerland.
- Ulysse NardinmajorSwiss watch manufacturer offering new watches through Yourasset's platform with financing options available via their boutique in Geneva.
- Ponti CollectionmajorVerified Swiss pre-owned merchant based in Geneva (since 2001) offering authenticated luxury watches on Yourasset platform including Rolex, Patek Philippe, Audemars Piguet.
- Evory ChronomajorVerified Swiss pre-owned merchant in Freienbach (since 2022) offering authenticated luxury watches including Rolex, Patek Philippe on Yourasset platform.
- Exel Watches SwitzerlandmajorVerified Swiss pre-owned merchant in Lugano (since 2020) offering authenticated luxury watches through Yourasset platform.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
Yourasset AG competitors and assessment
Company assessmentDirect peers
- Chrono24: The world's largest online marketplace for pre-owned and new luxury watches with dealer authentication, headquartered in Germany; directly comparable as a luxury watch marketplace that Yourasset competes against in pre-owned watch listings and which represents a target partner/competitor in the German expansion.
- Splitit: Installment payments platform leveraging existing card networks to spread purchases over multiple months; offers merchant-side integration comparable to Yourasset's widget and targets higher-ticket online purchases.
- Bob's Watches: Leading US-based authenticated pre-owned Rolex and luxury watch marketplace with buy/sell/trade; comparable pre-owned watch marketplace vertical and competitor for cross-border secondary watch commerce.
- Watchfinder & Co: UK-based authenticated pre-owned luxury watch retailer with its own financing offerings and boutique network; most comparable pre-owned watch marketplace vertical with financing overlay similar to Yourasset's combined marketplace + BNPL offering.
Broad incumbents
- Bread Financial: US public sales-financing and BNPL provider (formerly Comenity/Alliance Data) that white-labels installment products for retailers; comparable to Yourasset's B2B partner financing widget that enables watch brands and merchants to offer installments without holding credit risk.
- Affirm: US-listed BNPL provider specializing in 0% APR and longer-term installment plans (3–36 months) at point of sale, including high-ticket categories; directly comparable BNPL-for-luxury installment product structure to Yourasset's 12–60 month watch financing.
- Klarna: Swedish BNPL incumbent that pioneered installment payments at online checkout; offers longer-term financing for high-ticket purchases and operates across Europe, comparable to Yourasset's BNPL-for-luxury-watches model but at vastly broader scale.
- Afterpay: BNPL platform (Square/Block-owned) offering pay-in-4 installments at checkout; while shorter-term focused, comparable merchant integration model and European expansion playbook used as benchmark for embedded POS BNPL such as Yourasset's widget.
- Progressive Leasing (PROG Holdings): US leader in lease-to-own / POS installment financing for retail purchases through merchant partnerships; comparable white-label partner-financing model serving retailers that cannot extend credit themselves, similar to Yourasset's role for boutique watch merchants.
Emerging players
- Borro (asset-backed lending): Asset-backed lending specialist providing loans against luxury watches, jewelry, and other collectibles; thematically adjacent to Yourasset's luxury-asset financing approach via banking partners, illustrating the broader luxury-collateral credit category.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Yourasset AG social profiles
Digital presenceYourasset AG financial estimates
Financial estimateRevenue estimate
Valuation estimate
Yourasset AG leadership team
Management profileNumber of profiles
Profiles4 records
Yourasset AG funding detail
Funding detailFunding overview
Funding rounds2 records
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Yourasset AG M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Yourasset AG
What does Yourasset AG do?
Yourasset AG is a Swiss licensed credit broker that provides installment financing for luxury watches priced between CHF 5,000 and CHF 250,000, with terms of 12-60 months at interest rates of 5.9%-9.95% per annum routed through Swiss banking partners. The company operates a dual marketplace for new watches (from brand and retail partners) and pre-owned watches (from verified Swiss merchants) along with a sell-side facilitation service charging a 5% seller fee. For B2B partners, Yourasset offers an embeddable financing widget and white-label B2B financing solutions that allow merchants to receive the purchase price upfront while assuming no credit risk.
Is Yourasset AG a public or private company?
Yourasset AG is a private company. It is classified as venture growth investor backed and is currently operating.
When was Yourasset AG founded?
Yourasset AG was founded in 2020. It employs 1 to 10 people.
Where is Yourasset AG based?
Yourasset AG is headquartered in Zürich, Switzerland, in the Europe region.
How does Yourasset AG make money?
Three revenue lines are on record. Financing Interest is the primary driver. The others are seller Facilitation Fee and B2B Partner Services.
Who are Yourasset AG's main competitors?
Direct peers on record are Chrono24, Splitit, Bob's Watches and Watchfinder & Co. Broad incumbents are Bread Financial, Affirm, Klarna, Afterpay and Progressive Leasing (PROG Holdings). Borro (asset-backed lending) is listed as an emerging player.
Does Yourasset AG have an API?
No public API is recorded for Yourasset AG.
What industry is Yourasset AG in?
Yourasset AG's product category is Luxury Watch Financing / Consumer Lending. Its primary akta.pro industry code is FSAKACAN, BNPL for High-Ticket / Longer-Term Installments, with a secondary code of FSAKACAM, Cross-Border / Multi-Currency BNPL. Its NAICS code is 52231 and its SIC code is 6163.