Gold Backed Debit Card

From Idea to Reality: Launching a Gold Backed Debit Card with Fintech Platform

The Vision and the Challenge

A fintech startup approached us with a bold idea:
Empower retail users to invest in gold and spend it like cash to reduce inflation.

The concept was clear, a gold-backed VISA debit card paired with a sleek mobile app. But turning that vision into reality came with serious complexity:

  • Compliance requirements across multiple jurisdictions
  • Real-time gold pricing and secure vault management
  • Debit card issuing and settlement
  • AML/KYC onboarding flows
  • A need for modular monetization via memberships
  • In app affiliate program to boost growth
  • Cloud solution with no maintenance
  • And above all, a fast launch with minimal in-house dev resources

They didn’t want to spend 18 months building infrastructure and has a budget limited to 100k€ for their first iteration.
They needed a ready-to-launch platform to reduce the time to market, with the flexibility to carry their brand, logic, and growth model.

How Fintech Platform Made It Happen

From the first call, we assigned a dedicated fintech expert to work directly with their founding team, acting as a project partner that can be challenged technically and functionally, not just a vendor.

Together, we mapped out every step:

  • Business logic & user journey
  • Regulatory touchpoints (KYC, AML, invoicing)
  • Gold sourcing, pricing, and ownership structure
  • UX of depositing euros, converting to gold, spending in store
  • Revenue mechanics via membership plans & referrals
  • Automation and optimization of administrative work

Using Fintech Platform, the entire build from brand onboarding to sandbox testing was completed in weeks.
The product launched with confidence, compliance, and control.

The Result

In less than 3 months, the fintech went from concept to launch — offering their users:

  • A beautiful and unique experience
  • Direct ownership of gold
  • Instant debit card spending
  • Viral growth via affiliates
  • A sustainable business model through memberships
  • No custom development were necessary
  • All in one solution

All powered by Fintech Platform, the frontend and the backend engine behind the brand.

The cost was 3000€ of setup fee including the dedicated expert.

The total cost per month 1400€, here is the breakdown:

  • Banking module 600€/month
  • Asset & Security module 600€/month
  • Service & Membership module 100€/month
  • Affiliate Program module 100€/month
Price

How much it cost?

Because transparency is our one of value, we disrupt the code of the industry by doing the same price for everyone.
Setup Fees
3000€ includes full onboarding, configuration, and a dedicated fintech expert to guide your project from idea to go-live.
Want to access to a demo replica of this fintech?

Membership Breakdown

The fintech use these modules for a total of 1400€/month.
No additional fees., all integrations free.

  • Banking module 600€/month
  • Asset & security module 600€/month
  • Service & Membership module 100€/month
  • Affiliate Program module 100€/month

Used Features

See how mains features were used for this fintech.

Virtual Ibans

Allow customers to deposit and withdraw euros easily via their dedicated virtual IBAN.

Gold transfers

Let users manage gold like cash: transfer between accounts, scan a QR code to receive gold instantly.

Debit Cards

Offer VISA debit cards linked to users’ gold accounts, usable worldwide.

Fractionable Ownership

Provide fractional gold ownership—every user has their own gold account.

Sell Services

Monetize access through memberships; users pay to access premium gold services.

Affiliation program

Launch a growth engine with referral rewards—affiliates earn commissions in gold.

Used Integrations

See which tiers software integrations they used.

BullionStar

Real-time gold pricing and gold vault management.

DocuSeal

eSignature for digital onboarding and account agreements.

Intercash

Issue and manage VISA debit cards.

Sumsub

AML/KYC compliance for customer verification.

OrkaChat

In-app support and customer messaging

Quarderno

Automated invoicing for memberships and gold transactions.