The custody layer
for high-value commerce.

MEMO gives retailers clear control over high-value pieces placed with clients and full visibility into every stage from send to decision, so commerce can move on trust, not risk.

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Defined interactions
Controlled risk
Works with your workflow
System-level security
30-minute setup
Live

Active memos

24 open · $428,500 in custody
Auto-sync · 12s ago
In custody
$428.5K
▲ 12.4% wk
Keep rate
73.2%
▲ 4.1 pts
Avg decision
38h
▼ 2h
Loss events
0
90 days
Memo ID
Customer
Item
Value
Stage
T-
M-4182
Adeyemi, L.
Emerald cut solitaire
$24,800
Decision
11h
M-4181
Voss, H.
Patek 5711 reference
$92,000
In transit
2d 4h
M-4178
Marchetti, S.
Chaumet tiara 1947
$61,200
Kept
—
M-4176
Okafor, N.
Cartier panthère bracelet
$38,400
Draft
—
M-4174
Quéré, B.
Rolex Daytona 126500LN
$46,000
Returned
closed
The structural problem

Three parties. One impossible middle.

High-value commerce breaks at the moment of trust. None of the three parties can move first, and every retailer pays the cost in lost revenue, ad-hoc workarounds, and uninsured risk.

01. Customer

Won't commit $15K without seeing the piece on their wrist.

A photograph and spec sheet can’t justify five-figure conviction. The client needs the piece in hand, but won’t pay in full until they do.

02. Retailer

Can't ship $15K without financial protection and recall rights.

Releasing inventory against a name and address is a loss event waiting to happen. Traditional payment rails offer no holding pattern for goods in limbo.

03. Insurer

Can't cover goods in undefined possession between two parties.

Without timestamped custody events, clear chain-of-responsibility, and defined duration, coverage breaks down. Loss falls to whichever party is deemed responsible.

The MEMO layer
Resolves all three simultaneously — by sitting between them.
How it works

The memo lifecycle,
defined.

Five stages. One elegant experience for the client. Each step is explicit and time-bound, with defined outcomes.

01

Authorization

Clear terms and timing are set before the piece is sent.

02

Placement

The piece is placed with the client under defined conditions.

03

Decision Window

A defined window governs the decision without ambiguity.

04

Keep or Return

The client confirms the piece or initiates return.

05

Completion

The interaction concludes with a complete, auditable record.

Path A. Clienteling
Associate sends a link

The associate generates a secure MEMO link. The client opens, confirms, and the interaction begins under defined conditions.

SMS · iMessage memo.co/m/ae74k2…
Path B. Self-serve
Product page button

Add a "Request on memo" action to the product page. The client initiates the interaction directly, entering the MEMO flow within your brand environment.

PDP Request on memo
For retailers

Sell with confidence
at scale.

Place high-value pieces with clients and convert more decisions without added exposure or operational overhead.

01

Convert more decisions

Enable clients to experience pieces before committing. Expand where and how high-value decisions are made.

02

Protect every placement

Authorization and defined terms ensure each interaction is bounded and controlled from the start.

03

Maintain full visibility

Every step is recorded and auditable from placement through decision, with no blind spots.

04

Handle exceptions with control

When something looks off, MEMO pauses and escalates rather than proceeding without clarity.

05

Fit your existing systems

Works with your current stack and processes without requiring operational change.

06

Live in 30 minutes

Launch quickly with no engineering lift. Deeper integrations follow as needed.

Architecture

Purpose-built for custody orchestration.

MEMO isn't adapted from a payment processor or a logistics platform. It's built from the ground up as a deterministic lifecycle engine. Every state transition is verified, every event is timestamped, and every exception is surfaced.

Each interaction is defined across parties and events, connecting retailer, client, and brand with the systems that support them.

Multi-tenant by design, with per-retailer policy configuration, isolated data, and a foundation architected to support cross-retailer trust intelligence as the network grows.

MEMO system architecture diagram
Verticals

Built for categories where touch matters.

Native workflow · Industry standard

Fine Jewelry

"On memo" is the jeweler's native vocabulary. Pieces move between retailer and client through trust, often without defined structure. MEMO formalizes what already exists, introducing clear custody, timing, and decision conditions.

Native memo workflows • High-value placements • Relationship-led
Fine Jewelry
Control, security and audit

Engineered with the discipline luxury requires.

Conservative by default. Designed for auditability. When uncertainty arises, MEMO pauses and escalates rather than proceeding without clarity.

AES-256 encryption
Data is encrypted in transit and at rest. Sensitive client information is isolated by design.
SOC 2 roadmap
Controls are built for SOC 2 Type II alignment. Certification is in progress.
GDPR-aligned design
Designed for data minimization and pseudonymization. Privacy and data handling are built into the architecture.
Conservative failure handling
When signals are ambiguous, MEMO pauses and escalates. No silent failures. No optimistic assumptions.
Accent color
Aged brass — default