Institutional Wine Lending

Your cellar is capital.
Unlock it without selling.

Borrow working capital against fine wine tokenized into a Digital Cork, valued in real time, and settled in Euro-denominated digital currency.

$1T WINE ASSET CLASS70+ WINERIES PILOTED~$2M WINE TOKENIZED€435B EUROPEAN WINE INDUSTRY
The Liquidity Problem

Cash-poor,
asset-rich.

Wineries and collectors sit on billions in maturing assets, yet traditional banks refuse to lend against wine stored in cellars.

Faced with renewed export tariffs up to 25% and rising production costs, the industry is forced to sell appreciating assets prematurely just to cover working capital.

Three parties, one smart contract.

1

Borrower

Pledges Digital Cork tokens representing physical wine in bonded storage.

2

Lender

Provides Euro-denominated capital against overcollateralized, mark-to-market assets.

3

Oracle

Bonded warehouse provides custody enforcement and cryptographic attestation.

The Mechanism

How lending works.

Tokenize the bottle

Physical inventory is minted into a Digital Cork—a unique cryptographic token tracking provenance, condition, and market value.

Pledge as collateral

Tokens are locked in a smart contract. Working capital is disbursed instantly in Euro stablecoins or bank money tokens.

Custody enforces

The bonded warehouse acts as a physical oracle. If the loan defaults, ownership of the Digital Cork transfers to the lender.

Live Collateral Example

Château Margaux 2015

12 Bottle Case (OWC)
LWIN11105952015
CUSTODYBordeaux City Bond
ATTESTATIONVerified
Live Mark-to-Market Value€4,720 Pricing via Liv-Ex & Bacchus AI
Consortium in formation
Bordeaux City Bond
S01 · Woud Law
aws
Real Vision

Let's unlock your cellar.

Whether you're a winery looking for working capital or an institution seeking yield.

Book a call
dVIN Labs

Bringing fine wine, a ~$1T real-world asset class, on-chain. Institutional lending against tokenized cellar inventory.

Club dVIN

A decentralized wine club for collectors & enthusiasts. Exclusive events, provenance tracking, and rewards.

dVIN AI / Bacchus

An AI wine strategist—the "Bloomberg terminal for wine." Free on iPhone and Android for cellar owners.

Platform is in active development. Nothing on this website constitutes financial, investment, or legal advice, nor is it an offer of securities. EU grant work is in progress with no funding awarded. Digital Cork™ and Tasting Token™ are trademarks of dVIN Labs.

© 2026 dVIN Labs. All rights reserved.