Private credit investment platform for accredited investors
The credit card that pays you in real gold
Stage
Established
MVP
Founded
2019
Not given
Based in
SG
US
Pricing model
Paid
Paid
Pricing
Fixed returns 10-15% per year; 0.5% annual platform fee regardless of investment size
Target APR 7.99%–9.99% for gold-backed credit; ~20%+ APR for card-only start; 2% annual Storage & Ownership Fee; 0% fee on one eligible gold purchase ($5k–$20k) for Founding Members; Gold Rewards: 5% on first $3,000 of eligible spending, then 3% up to $15,000 per year for five-year benefit period.
Key features
Monthly coupon payments
Real-time investment dashboards
Collateral-backed investments (1.6x coverage)
Early redemption options
Multi-currency investment (SGD, USD, EUR)
Flexible investment terms (3-36 months)
Joint account support
Auto-Invest strategies
Human advisor access
Invest in allocated physical gold stored in COMEX-approved vault
Borrow up to 65% of gold value at 7.99%–9.99% APR
Earn 1–5% physical gold rewards on card purchases
Fully insured gold holdings through Lloyd's of London
Gold redemption within 28 days or physical delivery
Works as regular Visa/Mastercard worldwide
Real-time gold valuations from Bullion Market pricing