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A discreet funding house where fine jewelry and timepieces become strategic capital.
Where your jewelry = money.
about
Our Vision
XAMMANY Luxury provides private, intelligent access to capital for accomplished individuals.
We help clients use their luxury assets strategically—quietly, efficiently and on their own terms.
XAMMANY Luxury is entering its next chapter.
A capital house built for growth, precision and those who never play small. We grow because our clients gr
XAMMANY Luxury provides private, intelligent access to capital for accomplished individuals.
We help clients use their luxury assets strategically—quietly, efficiently and on their own terms.
XAMMANY Luxury is entering its next chapter.
A capital house built for growth, precision and those who never play small. We grow because our clients grow.
INTELLIGENT ACCESS TO CAPITAL
XAMMANY Luxury provides private liquidity solutions secured by
high-value jewelry, watches, diamonds and gold.
Designed for clients who prefer discretion over display—and
precision over process.
Our Expertise
"This Isn’t Just About Jewelry. It’s About Trust."
XAMMANY Luxury operates as a private liquidity house, not a retail store or pawn shop. Services are provided by appointment only and designed for clients who value discretion, speed and intelligent use of assets.
Led by our founder Xammany Vongratsamy with decades of experience inside the w
"This Isn’t Just About Jewelry. It’s About Trust."
XAMMANY Luxury operates as a private liquidity house, not a retail store or pawn shop. Services are provided by appointment only and designed for clients who value discretion, speed and intelligent use of assets.
Led by our founder Xammany Vongratsamy with decades of experience inside the world’s most respected luxury houses, serves a limited number of private clients worldwide.
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Our Commitment
Our Commitment
Our Commitment
Client First
Every decision is made in service of the client’s long-term interests.
Independent Judgment
Guidance is unbiased, disciplined and free from transactional pressure.
Private Execution
Matters are handled discreetly, without exposure or unnecessary visibility.
Respect for Legacy
Assets are treated with care, context and considerati
Client First
Every decision is made in service of the client’s long-term interests.
Independent Judgment
Guidance is unbiased, disciplined and free from transactional pressure.
Private Execution
Matters are handled discreetly, without exposure or unnecessary visibility.
Respect for Legacy
Assets are treated with care, context and consideration beyond price.
This is modern money—handled properly.
HOW IT WORKS
Our Commitment
Our Commitment
1. Submit Item for Approval
Send details securely. We confirm fit quickly.
2. Private In-Home Review
Send details securely. We confirm fit quickly.
3. Market Valuation
Transparent, data-backed valuation—not guesswork.
4. Funds Released
Same-day funding when approved. Secure storage and documented terms.
services
BUY-BACK LOAN
HOW IT WORKS
1. Private Review
We review your asset, capital needs and timeline—confidentially and by appointment only.
2. Professional Valuation
Loan value is determined by asset quality, condition, market demand and liquidity—explained transparently.
If this option is a good fit for all parties, we will explain a buy-back plan that shows:
3.
HOW IT WORKS
1. Private Review
We review your asset, capital needs and timeline—confidentially and by appointment only.
2. Professional Valuation
Loan value is determined by asset quality, condition, market demand and liquidity—explained transparently.
If this option is a good fit for all parties, we will explain a buy-back plan that shows:
3. Loan Structure
We present clear terms outlining the loan amount, monthly fee and repayment options before any decision is made.
4. Secure Storage
Your asset is stored securely and insured for the duration of the loan.
5. Repayment & Return
Once the loan and applicable fees are satisfied, your asset is returned promptly and discreetly.
- SIMPLE BUY-BACK TERM
- The cash amount you receive
- The monthly fee, charged every 30 days
- Your right to buy your item back as long as payments stay current
If payments are late for a total of 60 days (not required to be in a row), the item will be considered forfeited.
As long as your account is in good standing, you may repurchase your item at any time.
BUY-BACK YOUR ITEMS
- You may reclaim your item at any time while the loan is active by paying on time
- The original loan amount plus all outstanding monthly fees
Everything is explained clearly before you proceed—no surprises, no hidden terms.
KEY NOTES
- No retail environment
- No obligation to proceed
- Terms are documented and explained before execution
Discretion, clarity, and control—by design.
- No credit checks
- Clear buy-back option
- Secure, Insured Bank Storage
- Every 30 Days Low Monthly Fee
Best for: developers, investors, high-profile, entrepreneurs & crypto traders
Note from Xammany
"I created the Buy-Back structure for clients who value control as much as liquidity.
Not every asset should be rushed to market and not every need for capital requires a permanent decision.
A Buy-Back allows access to liquidity while preserving the option to reclaim what holds personal, financial or generational significance.
The terms are clear. The timeline is defined. The process is handled quietly and without exposure.
This structure is offered selectively and only when it serves the client’s long-term interests.
Montly Fee
HOW THE MONTHLY FEE WORKS
- Covers monthly insurance, storage and interest charges
- Your loan runs in 30-day cycles
- A monthly loan fee is due every 30 days
- The fee keeps your loan active and preserves your Buy-Back option to retain ownership. Fees are not prorated
PAYMENT MADE SIMPLE
- Zelle to (728) 777-6657 Xammany LLC
- Wire Transfer to Xammany LLC
HOW THE MONTHLY FEE WORKS
- Covers monthly insurance, storage and interest charges
- Your loan runs in 30-day cycles
- A monthly loan fee is due every 30 days
- The fee keeps your loan active and preserves your Buy-Back option to retain ownership. Fees are not prorated
PAYMENT MADE SIMPLE
- Zelle to (728) 777-6657 Xammany LLC
- Wire Transfer to Xammany LLC
CHASE JP Morgan
19495 Biscayne Blvd., Aventura, FL 33180
Acct: 700900379
Routing: 021000021
ONCE PAYMENT IS CONFIRMED
- Your item is returned to you
- Please allow 24–48 hours for secure delivery to your home
IF YOU DECIDE CANCEL THE BUY-BACK TO LET GO OF THE ITEM
- If you choose not to continue or miss payment beyond the 60-days grace period
- The item becomes the property of Xammany Luxury
- You owe nothing further
- The transaction is complete and final
1. ENFORCEMENT & DEFAULT
Default and Rights to Collateral
Failure to remit any monthly loan fee, late fee, or required payment when due constitutes a default under this Agreement.
Upon default, Xammany Luxury may, at its sole discretion and without further notice, enforce its rights to the collateral as permitted by law, including retention, liquidation or sale of the item(s).
Client acknowledges that timely payment is essential to preserve repurchase or redemption rights.
2. BUY-BACK–SPECIFIC LATE & FORFEITURE CLAUSE
(This is critical for clarity and leverage)
Buy-Back Payment Compliance
The Client’s right to repurchase (buy back) the collateral is conditional upon all monthly fees being paid in full and on time.
Any late or missed payment may suspend the buy-back option. Accounts with cumulative late payments totaling sixty (60) days, whether consecutive or non-consecutive, may result in forfeiture of the collateral, at which point ownership transfers to Xammany Luxury.
3. FLORIDA-COMPLIANT
Legal Compliance and Remedies
All remedies exercised under this Agreement shall be in accordance with applicable Florida law. Xammany Luxury reserves the right to pursue all lawful remedies available to protect its interests in the collateral, including storage, sale, or other disposition as permitted.
No waiver of enforcement shall be implied by delay or prior accommodation.
4. NO-WAIVER / NO-ENTITLEMENT CLAUSE
No Waiver
Any accommodation, extension or delay granted by Xammany Luxury shall not constitute a waiver of its rights under this Agreement. All future payments remain subject to the original terms unless expressly amended in writing.
Sell My Jewelry
Sell My Jewelry
Sell My Jewelry
DIRECT SALE
HOW IT WORKS
A direct sale is for clients who are ready to let go completely and move forward with clarity.
The process is final, respectful and handled privately from start to finish.
HOW A VIP APPOINTMENT WORKS
1. Private Review
We meet by appointment to review your item, understand your intent and confirm suitability—without pres
DIRECT SALE
HOW IT WORKS
A direct sale is for clients who are ready to let go completely and move forward with clarity.
The process is final, respectful and handled privately from start to finish.
HOW A VIP APPOINTMENT WORKS
1. Private Review
We meet by appointment to review your item, understand your intent and confirm suitability—without pressure or expectation.
2. Market Valuation
Your asset is evaluated based on current market demand, brand, condition and documentation. The offer is explained clearly.
3. Clear Offer
You receive a straightforward purchase offer. You may take time to decide—there is no obligation.
4. Immediate Execution
If you accept, documentation is completed and payment is issued securely and promptly.
5. Closure
The transaction is private, final and complete allowing you to move forward without ongoing commitments.
Key Notes
- Immediate payment
- No buy-back
- No ongoing fees or future obligations
- Honest valuation
Best for: divorcees, heirs, retirees, international clients, major lifestyle changes & transition
Note from Xammany
Trust is not claimed.
It is demonstrated through judgment, discretion and consistency.
Xammany Luxury provides private consultations grounded in decades of hands-on experience across the highest levels of the fine jewelry and watch industry.
Each evaluation is conducted with precision, independence and a clear understanding of true market value.
Our role is not to sell urgency or promise outcomes.
It is to offer clarity so decisions can be made confidently and on your terms.
Special Order
Sell My Jewelry
Sell My Jewelry
PRIVATE SOURCING
HOW IT WORKS
Rare pieces. No waitlists.
- Watches & jewelry
- No Waitlist
- Private network access
- Deposit requires
Private sourcing is designed for clients seeking rare, high-demand pieces without public waitlists, uncertainty or exposure.
This service is discreet, relationship-driven and available by request only.
HOW A VIP APPOINTM
PRIVATE SOURCING
HOW IT WORKS
Rare pieces. No waitlists.
- Watches & jewelry
- No Waitlist
- Private network access
- Deposit requires
Private sourcing is designed for clients seeking rare, high-demand pieces without public waitlists, uncertainty or exposure.
This service is discreet, relationship-driven and available by request only.
HOW A VIP APPOINTMENT WORKS
1. Private Consultation
We meet by appointment to understand exactly what you’re seeking—brand, reference, condition and timeline—confidentially.
2. Feasibility Review
We assess market availability, sourcing pathways, and realistic pricing based on current global demand.
3. Sourcing Strategy
If viable, we outline the sourcing approach, estimated timeframe and deposit requirement to proceed.
4. A Private Equity Asset
Once secured, the piece is authenticated and verified before completion.
5. Secure Delivery
The item is delivered privately, with discretion and documentation handled properly.
Key Notes
- Premium pricing reflects access and speed
- No public waitlists
- Deposit required to initiate sourcing
- Availability is not guaranteed
- Access is the value
Best for: Elite Clients and collectors who can afford rarity at a premium price
Note from Xammany
I’ve spent my career working where precision matters,
in engineering, in fine jewelry and inside the world’s most respected luxury houses.
Today, I work privately with clients who want unique high luxury items that carry both value and meaning.
My role is not to rush decisions or create pressure, but to offer independent judgment so you can move forward with confidence.
Luxury deserves to be handled quietly, thoughtfully and on your terms.
That is the standard behind every conversation.
Accepted Collateral
THE XAMMANY VIP STANDARD
This is not a retail visit. It’s a private capital and valuation consultation designed for clients who value:
- Discretion over exposure
- Speed without pressure
- Expertise without noise
- Clear options, handled properly
ACCEPTED COLLATERAL
- Fine jewelry (signed and high-grade pieces)
- Luxury watches (Rolex, Patek, AP, and comparable)
- Diamonds 1.0ct+ (loose or set)
- Gold (including broken pieces)
- High-value assets only.
WHAT MAKES THIS DIFFERENT (Anti-Pawn, Pro-Trust)
THE XAMMANY STANDARD
- Private, appointment-only service
- Discreet handling and secure storage
- Clear terms and transparent pricing
- Expertise shaped by the world’s top luxury houses
- Designed for clients who protect privacy and time
QUALIFICATION - IS THIS A FIT?
Best fit if you:
- Need liquidity without selling
- Value discretion and speed
- Have high-value jewelry or timepieces
Not a fit if you:
- Are price-shopping pawn counters
- Need retail appraisals for low-value items
- Prefer public marketplace selling
FAQ
How fast can I get funded?
Same-day decisions are possible once assets are verified.
Do I have to sell my items?
No. Loans are secured by collateral. Selling is optional.
Where does the appointment happen?
In the privacy and comfort of your home or office, by appointment only—details confirmed after qualification.
What affects loan value?
Brand, condition, documentation and current market demand.
Final offer is available after in-house evaluation and valid for five business days.
DESIGNED FOR
Business owners
Investors
Entrepreneurs
Collectors
High-net-worth individuals
If discretion matters to you, you’re in the right place.
WHAT YOU CAN ACCOMPLISH IN ONE VISIT
Choose what fits—nothing is pushed.
1) Private Capital (Collateral Loan)
Access capital secured by your luxury assets—structured around your timeline.
2) Buy-Back Option
Receive capital today with the ability to reclaim your assets under documented terms.
3) Direct Sale
For clients ready to let go completely, for immediate acquisition, clear valuation and secure payment.
4) Special Order / Sourcing (By Request)
Private access for clients seeking rare pieces without the waitlist.
The appointment will be confirmed after item submission has been approved.
No retail. No pawn counters.
Warranty card, original box and receipt will add value to the offer. These are preferred but not required.
- Patek Philippe
- Rolex
- Audemars Piguet
- Cartier
- F.P. Journe
- Richard Mille
- Omega
- IWC
- Panerai
- Other Luxury Brands are welcome base on condition.
Cartier Love Bracelets (Gold, Diamond & Paved Variants) (Red background Cartier Love stack image)
WHY
- One of the most liquid jewelry items in the world
- Consistent demand regardless of market cycles
- Easy to authenticate, easy to resell, easy to collateralize
Market Reality
- Slightly lower upside than Panthère
- But fastest cash conversion of all items listed
Estimated Loan Range (by metal & stones)
Yellow/Rose Gold (no diamonds) $4,000 Max
White/Yellow/Rose Gold (small diamonds) $8,000 Max
Full Pavé Diamond Love $25,000 Max
Van Cleef & Arpels Alhambra Bracelets – Diamond & Hardstone (Onyx / Malachite / Blue Agate) (Green box + certificate images)
WHY
- Massive global demand (Asia + Middle East especially)
- Diamonds > hardstone for value
- Condition + full set matter heavily
Market Reality
- Excellent resale
- Slightly softer liquidity than Cartier icons
- Diamonds outperform hardstone by a wide margin
Loan Range: $8,000 Max
Notes
- Diamonds + brand = strong collateral.
- Condition & stone quality matter.
Diamond Tennis Bracelet (Non-Iconic Brand) (White/yellow gold tennis bracelet on Tiffany-blue style box)
WHY
- Value based almost entirely on diamond quality & weight
- No brand premium
- Very competitive market
Market Reality
- Reliable but commoditized
- Loan values conservative
Loan Range: $3,000 – $4,000 Max
Notes
- Subject to diamond quality (cut, color, clarity) and metal.
- Brand can lift value, lack of it reduces it.
For custom and non-brand pieces, value is driven by material quality rather than brand or labor costs. Personal customization reflects enjoyment and expression, while market value reflects intrinsic materials and demand.
WHY
- Craft & Material Assessment
Your jewelry is evaluated based on metal purity, gemstone quality, workmanship, and overall design—not brand name.
- Market Positioning
We explain how your piece is positioned in the secondary market and which options best serve you.
- Clear Options
You receive transparent guidance and documented terms based on the chosen path.
Why clients choose us
Independent Judgment
We offer private consultations with no public listings and no unnecessary exposure. For updates on our services and to be among the first to know when we are launching soon, feel free to contact us for email updates.
Outcome Over Urgency
Value is approached deliberately, not rushed. For more insights on our approach, feel free to contact us and sign up for email updates, as we are launching soon.
Selective Engagement
Not every inquiry is accepted, and that is by design. If you have questions, feel free to contact us. For those interested in our updates, we will be launching soon, so stay tuned for email updates.
Global Access
We maintain direct relationships with elite buyers, lenders, and luxury networks, and these connections are activated only when appropriate. For further inquiries, feel free to contact us, and don’t forget to sign up for email updates about what’s launching soon.
Who We Work With
Xammany Luxury is a private liquidity house providing discreet, asset-backed capital and direct acquisitions using fine jewelry and high-end watches for professionals, investors and high-profile clients.
Our service is exclusively designed for discretion and client comfort, that distinct from retail and pawn environments.
We work privately with individuals and families who are navigating meaningful assets across generations.
Our role is not to rush outcomes, but to provide clarity so decisions are made thoughtfully, with confidence and care.
Valuables are protected, insured and professionally managed to provide peace of mind while you focus on what matters most: your life, your family and your freedom.
Xammany Luxury exists for clients who understand that exceptional assets are more than adornment. Whether you are divesting, unlocking liquidity or seeking clarity around value, they are capital that can work for you.
Best for:
Developers, investors, entrepreneurs, professionals and anyone who wants to leverage their luxury assets.
Our elite clients are well-traveled, prefer ease of funding, with discretion and reliable expertise to manage their valuable assets.
With Xammany Luxury Private Asset Funding House, clients can enjoy the freedom to focus on the present and plan for the future.
Our core values are privacy, convenience and security.
Best For: Trust-Fund & Ultra-High-Net-Worth Clients
Elegant solutions for asset management, estate flexibility or opportunistic leverage.
Discreet capital, direct sales and private sourcing for clients who value privacy and speed.
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