Updated
Every value in GemstoneAI is a first read from photos, not an appraisal. This page sets out how the app gets to that number, what it checks along the way, and what a photo cannot tell it.
Checked against the app's code on November 3, 2026.
Each scan is read twice, independently. If the two reads name different stones, a third read settles it. The value combines the reads, so one unusually high or low read does not set it alone.
14K, 585 or 925. A stamp it can read is the only thing it takes as proof of the metal. What each stamp means.| Value | What it means |
|---|---|
| Retail replacement | What it would cost to replace new at retail. This is the headline figure and the one the insurance schedule uses. It is worked out from fair market at a standard insurance multiple, not from listings for that item. |
| Fair market | About what a mainstream jeweler would sell it for. |
| Resale | What an owner could realistically be paid today. Dealers buy below fair market, and it is not an offer. |
A result can show up to four similar items listed for sale online, with their prices. They are there for context: they are chosen to sit near the estimate, and they do not change it.
Each saved item's value moves with the GemstoneAI market index for its variety: the value when you scanned it, times the index today, divided by the index on the day you scanned it.
The index starts from a 2025 average price for each variety and moves by at most 2.5% a day with market signals, today mostly market news and the price of gold. A variety with fewer than 8 listings for sale in the last 30 days is held flat until there are more.
For insurance, a sale or an estate, get a signed appraisal. Use the first read to decide which items are worth one, then find an independent appraiser near you. For a major diamond, get a lab report from a gemological lab such as GIA or IGI.
Photograph a ring, necklace or loose stone and GemstoneAI shows its first read: the stone, the metal, the three values and what a photo could not confirm. Your first scan is free.
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No. It is a first read from photos. For insurance, a sale or an estate, get a signed appraisal from an independent appraiser. The first read helps you decide which items are worth one.
From the scan's own read of the item, checked against the metal at the day's spot price, price bounds for loose stones, and a lab report number if you add one. Similar items for sale are shown alongside for context.
Replacement is what it would cost to buy new at retail, which is the figure insurers ask for. It is worked out from fair market at a standard insurance multiple, not from listings for that item.