UR-Gold

Digital Gold Certificate System
Secure • Traceable • Lendable Gold Ownership for India & Asia
$2.8T
Global Gold Market
24%
Of World's Gold in India
800T
Indian Household Gold

Revolutionizing Gold Ownership

Traditional Gold Challenges
  • No digital proof of authenticity or ownership
  • Difficult to track purchase history and provenance
  • Limited access to credit using gold as collateral
  • Complex documentation for gold loans
  • Risk of counterfeit or impure gold purchases
  • Fragmented ownership records across purchases
  • No standardized lending facility
  • High property mortgage deposit requirements
UR-Gold Solution
  • Digital certificate for every gold purchase
  • Complete tracking and accountability system
  • Instant lending facility with digital proof
  • 80% loan facility with just 20% down payment
  • Verified authenticity through approved sellers
  • Consolidated ownership records in one platform
  • EMI-based payment options for gold purchases
  • Gold-backed mortgage solutions for property

Core Features & Benefits

🏅
Digital Certificate
Every gold ornament purchase receives a secure digital certificate with complete authentication, purity details, and ownership records.
📊
Complete Tracking
Track all gold purchases, additions, and transactions in one comprehensive digital portfolio with full accountability.
💰
80% Loan Facility
Access instant loans up to 80% of gold value with just 20% down payment and flexible EMI options.
🏠
Property Mortgage
Use your gold certificate as collateral for property purchases, avoiding traditional mortgage deposit requirements.
✅
Approved Sellers Only
Available exclusively through verified and approved gold ornament sellers ensuring authenticity and quality.
⚡
Instant Withdrawal
Withdraw gold as soon as payments are completed without any additional charges or waiting periods.

How UR-Gold Works

1
Purchase at Approved Seller
Visit any UR-Gold approved ornament seller and select your gold jewelry. All sellers are verified for authenticity and quality standards.
2
Digital Certificate Issued
Receive instant digital certificate with complete gold details, purity, weight, purchase price, and seller verification.
3
Choose Payment Option
Pay 20% down payment and access 80% loan facility with flexible EMI options, or pay full amount for immediate ownership.
4
Build Gold Portfolio
All future purchases are appended to your digital certificate, creating a comprehensive gold ownership portfolio.
5
Access Lending Services
Use your digital certificate to access lending facilities, property mortgages, or additional gold purchase loans.
6
Flexible Withdrawals
Withdraw your gold as payments are completed, with no extra charges and immediate access upon full payment.
🌟 Exclusive to India & Asian Markets | 🔒 Bank-Level Security | 📱 Mobile App Integration | 🏆 Certified Seller Network

Lending & Mortgage Solutions

💳
Gold Purchase Loans
Borrow up to 80% of ornament value with just 20% down payment and convenient EMI options
🏠
Property Mortgage
Use gold certificate as collateral for property purchases, eliminating traditional deposit requirements
💰
Additional Credit
Access additional loans using existing gold portfolio as security with competitive interest rates
📊
Portfolio Growth
Build wealth through systematic gold accumulation with tracked investment performance

Market Opportunity

India is the world's second-largest gold consumer with over 800 tonnes of household gold worth approximately $50 billion. The Asian gold market presents massive opportunities for digitization, lending, and financial services integration.

650M
Gold Buyers in Asia
$180B
Annual Gold Purchases
85%
Lack Digital Records

Revenue Streams & Business Model

₹500
Certificate Fee
One-time digital certificate issuance fee per ornament purchase
2.5%
Loan Processing
Processing fee on 80% loan facility for gold purchases
₹200/mo
Portfolio Management
Monthly fee for comprehensive gold portfolio tracking and management
1.5%
Mortgage Services
Commission on property mortgage facilitation using gold collateral

Security & Compliance

UR-Gold employs blockchain technology for certificate authenticity, partnerships with certified gold testing laboratories, and compliance with Indian financial regulations including RBI guidelines for gold-backed financial products.

🔐
Blockchain Security
Immutable digital certificates stored on secure blockchain network preventing fraud and ensuring authenticity
🧪
Lab Verified
All gold tested and verified by certified laboratories with detailed purity and quality reports
⚖️
RBI Compliant
Full compliance with Reserve Bank of India regulations and financial services guidelines
Transform Gold Ownership
Join the digital gold revolution. UR-Gold brings transparency, security, and financial flexibility to gold ownership across India and Asia. Partner with us to revolutionize the gold ornament industry.