Capital Protocol is a verification technology platform for gold-backed lending. Using zero-knowledge proofs, it verifies the existence, value and integrity of gold holdings directly from custodian data in minutes, without moving custody or exposing full account balances. Gold holders can request funding, while credit providers can review live opportunities backed by verified collateral and fund on their own terms.
Hi Product Hunt!
We're excited to launch Capital Protocol today. An answer to a problem we've seen up close in the private credit and family office space.
The reality: If you hold physical gold (especially LBMA gold vaulted in London) and need liquidity, the current process feels like it's stuck in the last decade. It means sending over PDF statements of your entire portfolio to a lender, exposing everything you own and then waiting for days of manual back-and-forth.
What we're doing: Capital Protocol enables private, instant, collateral verification. We use zkTLS (zero-knowledge proof) so lenders can verify your gold holdings without ever seeing your total balance.
How it works:
- Connect your custodian (BullionVault/GoldCore)
- Verify your gold via a private zk-proof
- Credit providers see a verified opportunity and can fund your request
Why this matters:
- Gold holders: access liquidity without selling or disclosing your full net worth
- Credit providers: access a new, secure, collateralised asset class
- Settlements via Open Banking: no paperwork, no unnecessary disclosures
We are live, currently onboarding our first credit provider partners.
This is a launch built for our first users, not a polished "final product." As an early-stage platform, we're most interested in hearing from:
- Family offices and private credit providers looking for new asset classes
- Anyone holding LBMA gold in London who wants liquidity without giving away their entire position
We'd love your questions, feedback, and constructive criticism. What would make this more valuable for your firm? What would stop you from using it?
Thanks for reading this! I'll be in the comments all day.