Gold as a Service
Give them a way to do it without leaving your app. We handle the metal, the vault, the compliance and the delivery. You keep the customer relationship, and a share of every transaction.
Who this is for
A Shariah-compliant savings product that sits alongside deposits without competing with them. Customers who would not open a fixed deposit will set aside AED 100 a month in gold.
Typical use: goal-based savings accounts, Ramadan and wedding campaigns
A reason for customers to keep a balance with you rather than move it out. Gold gives idle money somewhere to go, inside your app, and gives you a new revenue line on money already sitting there.
Typical use: round-ups, spare change into gold, in-app savings pots
Gold as a reward that holds its value, or as something to send home instead of cash. Grams do not expire the way points do, and recipients can take delivery as a coin.
Typical use: cashback in gold, gifting, remittance top-ups
How it works
Your engineering effort stops at the API call. Everything downstream of that is ours.
REST API and mobile SDKs for iOS and Android. Sandbox access on day one, live pricing, buy, sell, holdings, and redemption endpoints. Most partners are through integration in two to three weeks.
Metal sourcing, allocation, insured vaulting with Loomis International, independent audit, and Shariah governance. Your customers' gold is allocated to them and held separately from company assets.
Minting, authentication, insured door-to-door delivery across the UAE. Your support team never touches a physical shipment.
Your brand throughout, your customer data, your product decisions. A partner dashboard gives you volumes, holdings, and revenue in one place.
The commercials
The honest version, because this is the question that decides whether a conversation goes anywhere.
To integrate
No setup charge and no minimum volume commitment. You carry your own engineering time, which for most partners is two to three weeks.
Sandbox access is free from day one
To run
Custody, insurance, auditing, and Shariah governance are covered by us. You are not paying to keep gold sitting in a vault.
Storage is free for as long as customers hold
How we both earn
Our margin sits in the buy and sell spread. You take an agreed share of it on every transaction your customers make. Physical delivery is charged separately and shown to the customer before they confirm.
Rates agreed per partner, based on volume
Trust and compliance
We would rather answer these on a public page than three weeks into a due diligence process.
Loomis International, in an insured vault in Dubai. Metal is allocated to the end customer, held separately from JustGold's own assets, and independently audited. Your customers own gold, not a claim against our balance sheet.
What you get
Modular, so you can start with buy and sell and add redemption later.
REST API with iOS and Android SDKs. Sandbox, documentation and a named integration engineer from kick-off.
Buy and sell rates streamed to your app, updated in real time.
Allocated, insured storage in Dubai with independent audit. Held separately from company assets.
Certified by Panacea Consulting, Bahrain. Your compliance team gets the certificate and the structure documentation.
Coins and bars, authenticated and delivered insured across the UAE. We handle it end to end.
Volumes, holdings, redemption activity and revenue in one place. Exportable, with reconciliation reporting.
Recurring savings towards a wedding, Hajj, a child or a safety net. The goals your customers already save for, built in.
ISO 27001:2022 certified. AES-256 encryption, audit trails on every gram, and traceability from purchase to delivery.
Your brand, your design system, your tone. Customers never see ours unless you want them to.
No pitch deck required. Tell us what your product looks like and we will tell you honestly whether gold fits, and what it would take to launch.
