Dressed casually in denim jeans and a white T-shirt, Holly Ryan looks like any of the other young women in Sydney’s Surry Hills hipster hot spot cafe Kawa – bar her bling.

Sapphires and diamonds flash on the 31-year-old’s fingers as she wraps her hands around a mug of coffee. Keshi pearl earrings dangle from her lobes and wax-cast gold coin necklaces with her star sign and initials adorn her throat, along with a weighty treasure map-inspired pendant set with precious stones.