Free plan at $0/month includes instant bank, wallet, and card payments, point purchases and transfers, push to card, push to bank, store, and invoicing. Business plan at $49/month includes everything in Free plus 5 digital bank accounts, merchant account, 1 business, and 2 users. Premium plan at $19
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
Instant ACH payments
Same-day ACH settlement
Real-Time Payments (RTP)
FedNow instant payments
Wire transfers domestic and international
Digital wallet and virtual cards
Cross-border B2B payments
Online store builder and eCommerce
Real-time transaction tracking and alerts
Merchant account and payment processing
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