Dashboard: Free. Recovery: $39/month with manual and automatic recovery for up to $5k/month. Growth: $79/month with unlimited recovery and no monthly cap.
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
Free dashboard showing revenue at risk and failed payments
Branded email templates with customizable schedule
AI-drafted recovery emails in your business voice
In-app payment method update banners
Slack and Teams notifications for payment events
Weekly AI-generated churn reports
Recovery Guard verification to prevent double-charges
OAuth 2.0 connection without password or API key requirements
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
Recoura
PARROLI