The Decentralized
Liquidity Engine
We are building Pawnbroking 2.0. Just as Uber revolutionized transport and Airbnb hospitality, PawnShop App is the P2P infrastructure that digitizes immediate liquidity. We connect banked, unbanked, and pawnshops to transform physical assets into liquid capital instantly, in a global market of $30–42B/yr.
⭐ For You
See all >Rolex Submariner 2023
5,500.00 USDMacBook Pro M3 Max
1,200.00 USDAudi RS3 2022
22,000.00 USDiPhone 15 Pro Max 1TB
500.00 USDRolex Submariner 2023
5,500.00 USDMacBook Pro M3 Max
1,200.00 USDAudi RS3 2022
22,000.00 USDiPhone 15 Pro Max 1TB
500.00 USDLiquidity in
your pocket
PawnShop App is technological infrastructure that gives you absolute control over your physical assets. Convert your phone, watch, or vehicle into working capital in less than 24 hours.
Secure Assets
Smart contracts & custody.
Fast Loans
Zero bureaucracy, free market.
P2P Returns
Backed by real collateral.
Edge Native
Zero latency offline.
Expanding Across Borders Through Empeñalo
While PawnShop App scales in the US, our P2P infrastructure expands into Latin America under our sister brand, Empeñalo—already available in 177 countries via Google Play Store. It's the same Zero-Trust technology, adapted to digitize the Hispanic market.
In LATAM, millions rely on abusive informal lenders known as 'gota a gota' or 'paga diarios'. These operations charge upward of 20% monthly and are often tied to extortion. Our infrastructure displaces them, offering liquidity at 6% or less, backed by physical collateral, right from a smartphone.
Traction and Growth
PawnShop App serves the US pawn lending market: ~$14–16B annually across ~7,771 stores and ~30 million customers a year (National Pawnbrokers Association). We democratize immediate liquidity for banked users, unbanked individuals, and pawnshops in a global market of $30–42B annually (Verified Market Research, 2024).
Dual-market expansion
PawnShop App operates in the US market (~$14–16B annually, ~30M customers/year — National Pawnbrokers Association) and global corridors.
Zero-Trust Architecture
Designed for B2B funds. Not even we can move funds without cryptographic approval from the user's device.
13-Point Anti-Fraud Footprint
Strict GPS validation, handshakes geofencing, device telemetry, and AI-powered Liveness biometrics at 60 FPS.
Hardware Custody
OS-level AES-256 encryption and private keys guarded in the mobile device's secure enclave (Edge-Native).
100% Collateralized
Zero risk of default.
Code Audit
Contract verification.
Dual-Engine
Architecture
PawnShopApp operates with two transactional flows designed to scale and offer frictionless liquidity.
B2B Oracle
Instant liquidity provided by corporate funds and institutional investors. Algorithmic assessment of pre-approved assets for sub-second capital injection.
P2P Handshake
The free market dictates value. Investors fund smart contracts with secure physical exchange (Geofence + QR).
Smart Contracts
Immutable custody.
Liquidators
Real physical backing.
Our Methodology
We build software and operate our company strictly following the Y Combinator Startup School methodology, ensuring scalability, alignment, and fast execution.
> Build Fast, Iterate
$ We ship code fast, measure the real impact on users, and continuously improve without bureaucracy.
> Product First
$ Metrics are our compass. We don't optimize vanity; we optimize Product-Market Fit (PMF).
> Institutional Structure
$ We implement 4-year vesting (1-year cliff) for the team, ensuring long-term commitment.
> Radical Transparency
$ We report honest traction to our stakeholders, preparing our Pre-Seed round under global VC standards.
Strategic Roadmap
Our path toward the democratization of global liquidity.
Beta Launch & Traction
Deployment of the Zero-Trust engine, onboarding the first 50 users and iterating on the core P2P product.
Pre-Seed Raise
Institutional acceleration and full integration with B2B liquidity pools for instant funding.
iOS App Launch
Expansion of the mobile ecosystem to Apple users, integrating FaceID biometrics and Apple Wallet.
Global Expansion
Landing in key new markets with operational licenses, consolidating leadership in the industry.
Founding Team
Visionary leaders executing and building the infrastructure of tomorrow.
Zacarias Monsalbe
President | Founder
Building the global decentralized liquidity infrastructure. Specialist in Zero-Trust architectures and P2P growth.
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Franklin Sanchez
Chief Strategy Officer
Financial strategist focusing on B2B oracle models and operational risk mitigation at scale.
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Benjamin Monsalbe
Chief Production Officer
Quality assurance engineer guaranteeing the stability and extreme performance of the core engine.
View ProfileFranklin Sanchez Jr
Corporate Director
Corporate liaison and institutional partnership development in the traditional lending sector.
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Sthephanie Medina
Marketing Director
Driving the accelerated growth of the PawnShop App ecosystem. Expert in institutional brand positioning, B2B/P2P acquisition strategies, and new market penetration.
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Arantxa Sanchez
Head of Corporate Legal | Attorney
Ensuring regulatory compliance and the legal integrity of the financial ecosystem, ensuring solid and transparent operations.
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Nelson Areas
Process & Systems Creation Advisor
Bringing strategic experience from Lomas de Nirgua to optimize operational workflows and design scalable systems across the ecosystem.
View ProfileFrequently Asked Questions
Is PawnShop App safe to use for high-value assets?
Absolutely. PawnShop App operates under a strict Zero-Trust architecture. All transactions require a physical, in-person 'Zero-Trust Handshake' for asset verification, and our platform is secured with Bank-grade 256-bit encryption and strict KYC/AML compliance protocols.
How is this different from a traditional pawnshop?
Unlike traditional pawnshops that offer low valuations and charge up to 20% monthly interest, our P2P infrastructure connects you directly with investors. This free-market approach yields much higher loan-to-value ratios and drastically lower interest rates (averaging 6% or less).
Do you run credit checks for collateralized loans?
No. Since your physical asset (like a Rolex, vehicle, or electronics) acts as 100% collateral, your credit score is completely irrelevant. Liquidity is issued based purely on the real-world value of the asset.
What happens if I cannot repay my loan?
Our smart contract system handles defaults seamlessly. If a borrower defaults, the collateralized asset is simply transferred to the investor for liquidation. There are no debt collectors and no negative impacts on your credit score.
In which countries does PawnShop App operate?
While our core market is the United States, our application is available for download in 177 countries via the Google Play Store, structuring a borderless global liquidity market.
Who provides the liquidity on the platform?
Liquidity is provided by private investors and institutional partners looking for low-risk, collateral-backed returns. We also partner with existing pawnshops, giving them access to our digital storefront.
How many active users do you have?
We are currently in our first beta phase with 21 users (Early Adopters) validating the infrastructure. We project reaching 100,000 users before December.
Is PawnShop App raising capital?
Yes. We are currently preparing a Seed/Series A capital raise estimated between $3.5 and $10 million to scale our P2P architecture globally.
Who founded Empeñalo and PawnShop App?
Empeñalo (Latin America) and PawnShop App (USA) were founded by Zacarías Monsalbe, with strategic backing from Franklin Sánchez. We operate under Y Combinator Startup School methodologies.