Digital gold is one of the most loved savings products in India — and one of the most operationally demanding. Behind every gram accumulated, there is KYC, pricing, settlement, accounting and audit that has to be right, every time.
Pricing & settlement model
Live bullion pricing, time-stamped to the second. Settlement windows with explicit cut-offs. Every accumulation event tied to a price, a customer, a scheme and a payment reference. No reconciliation ambiguity, ever.
KYC done well, not just done
KYC is the difference between a credible fintech and a liability. We design KYC as a state machine with explicit progression, retries, evidence storage, and audit replay — not as an unstructured form.
Schemes are a product, not a feature
Monthly SIP plans, wealth schemes, accumulation goals — schemes deserve their own data model, their own lifecycle and their own UI. Treating them as ‘settings’ on a customer is a recipe for confusion at scale.
Audit & risk dashboards
- Every customer state transition is logged, replayable and signed.
- Variance and exception dashboards surface drift in real time.
- Risk policies are versioned and stored alongside the code.
- Read-only auditor accounts are first-class users.
