White-label gold savings app Your gold savings app, built on your bullion partner.

A savings app for gold: customers buy it by the gram from small amounts, save automatically every week or month, see what their gold is worth and sell it back to their bank account any time, while your bullion and vault partner holds the metal. Branded as yours and owned 100% by you.

Get this platformSee the product
  • 10proven modules
  • 100%yours, source included
A phone showing 24.6180 g of gold worth €2,928.56 beside a stack of gold bars, with an amber glass euro coin and a gold coin struck with a wheat sheaf

The product

From the first gram to money in the bank.

The screens your customers use, in the order they meet them, shown with demo data. Your logo, colours and domain go on top.

Mobile app for iOS and Android

  1. 01

    Signed up and checked in minutes

    Customers sign up with a passkey instead of a password, then scan an ID and take a selfie, while screening against sanctions and PEP lists runs in the background.

    • Passkey and Face ID sign-in
    • ID document and liveness checks
    • Sanctions and PEP screening on every customer
    Sheaf gold savings app sign-up, powered by Paynoramic: creating an account with a verified mobile number and a passkey, with the ID and selfie step next
  2. 02

    Gold in grams, and what it is worth

    The home screen shows the gold a customer owns in grams, what it is worth at today's sell price and how it has done since the first buy, next to the live price of a gram.

    • Holdings in grams, valued live
    • Gains since the first buy
    • Live buy and sell prices
    Sheaf app home: 24.6180 g of gold worth €2,928.56, up 8.1%, with today's buy and sell prices per gram, recent buys and a sale
  3. 03

    Any amount, priced per gram

    Customers type an amount in euros and see the price per gram, the fee and exactly how much gold they get. The price holds while they pay by card, Apple Pay or Google Pay.

    • Buy from small amounts
    • Price per gram and fee up front
    • Price held while the customer pays
    Buying €250.00 of gold in the Sheaf app: 2.0524 g at €121.20 a gram after a €1.25 fee, with the price held for 28 seconds
  4. 04

    Saving on a schedule

    Customers pick an amount and a day, every week or every month, and the app buys gold for them at that day's price with the card they saved. A message after each buy tells them how many grams they got.

    • Weekly or monthly plans
    • Bought at the day's price
    • Change or pause any time
    Setting up autosave in the Sheaf app: €50 of gold every Monday from 12 October, about €2,600 and 21 g a year, paid by Visa
  5. 05

    Sold back, paid to the bank

    Customers see the price per gram and what they receive before they sell, and the money goes to their bank account, in seconds by SEPA Instant where their bank takes it. Every sale ends with a receipt.

    • Sell any amount, any time
    • Paid out by SEPA Instant
    • A receipt for every sale
    Sheaf sale receipt, powered by Paynoramic: 2.5000 g of gold sold for €297.40 at €118.96 a gram, paid to an Austrian bank account by SEPA Instant in 9 seconds
Sheaf gold savings app sign-up, powered by Paynoramic: creating an account with a verified mobile number and a passkey, with the ID and selfie step next
Sheaf app home: 24.6180 g of gold worth €2,928.56, up 8.1%, with today's buy and sell prices per gram, recent buys and a sale
Buying €250.00 of gold in the Sheaf app: 2.0524 g at €121.20 a gram after a €1.25 fee, with the price held for 28 seconds
Setting up autosave in the Sheaf app: €50 of gold every Monday from 12 October, about €2,600 and 21 g a year, paid by Visa
Sheaf sale receipt, powered by Paynoramic: 2.5000 g of gold sold for €297.40 at €118.96 a gram, paid to an Austrian bank account by SEPA Instant in 9 seconds

Delivery

Two ways to launch your gold savings app.

Ready platform

~30 days

Time to launch, on a 12-month scale

Assembled from modules already in production: savings plans and holdings, live quotes with your margin, checkout, payouts and KYC. We build the connector to your bullion and vault partner, the one piece the library does not have yet, apply your brand, set your prices, fees and limits, deploy, and hand over the source code.

  • Your brand, your domain, your infrastructure
  • Full source code handed over at launch
  • No licence fee, no revenue share, no lock-in
Get this platform

Custom build

Recommended

2–3 months

Time to launch, on a 12-month scale

Bars and coins delivered to the door, gold sent between customers, silver and platinum next to gold, or a card that spends gold, assembled from the module library around the same proven core.

  • Assembled from the same proven modules
  • Scoped and priced per module, in writing
  • Same handover, same 100% ownership
Scope a custom build

Assembled from

Ten modules from the library.

Each one running in production before it reaches your platform. See the whole library

How it works

From brief to handover.

  1. 01

    Brief

    One call. Tell us the product, the market and the launch date. We map it to the modules that already exist.

  2. 02

    Configure

    We pick the modules, apply your brand and set up your infrastructure. Every piece is already proven in production.

  3. 03

    Deploy

    Your platform goes live on your domain, with your data, under your control.

  4. 04

    Handover

    Source code, documentation and the keys. The platform is yours, with no licence and no revenue share.

Questions

What buyers ask about a white-label gold savings app.

Who buys and stores the gold?

Your bullion and vault partner: a dealer that sells the gold and a vault that keeps it, often the same company. A customer's grams are booked in the ledger the moment they buy, the app settles with the partner in the background, and the ledger is reconciled every day against the partner's statement. The library has no bullion connector yet, so we build the one to your partner as part of the work.

Who sets the price of a gram?

You do, on top of your partner's live price: a margin and fees you set in the backoffice, by amount or customer tier. Customers see the price per gram, the fee and exactly how much gold they get before they pay, and the quoted price holds while they confirm.

How do customers pay in and get paid out?

They buy by debit or credit card, Apple Pay or Google Pay through the checkout module, or by bank payment, and savings plans buy on the chosen day with the card they saved. When they sell, the money goes to their bank account, in seconds by SEPA Instant where their bank takes it.

What about licensing and compliance?

Selling gold to consumers is regulated as trading in precious metals. In the UAE, dealers in precious metals and stones fall under the anti-money-laundering law, supervised on the mainland and in commercial free zones by the Ministry of Economy and Tourism. In the EU, the AML Regulation covers every business that trades precious metals as a regular activity from 10 July 2027, and national rules apply until then. Holding a cash balance for customers can also need an e-money or payment licence, and many apps launch by selling the gold of a bullion dealer that already meets these rules. The app ships with KYC/AML, sanctions and PEP screening, fraud limits and an audit trail of every check, configured for your legal setup.

Do I really own 100% of the app?

Yes. On launch you receive the full source code of the mobile apps, the connector to your bullion partner and the backoffice, with infrastructure configuration and documentation. There is no licensing fee, no revenue share and no lock-in.

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Built from the same library.

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Start your project

Tell us the idea. We'll show you the platform.

One call is enough to map your product to the modules that already exist.

  • Response in under one business day
  • NDA on request
  • No obligation
What are you building?