Digital goldOne gram of gold,
five ways to hold it.
Buy it, earn yield on it, borrow against it, tokenize it, and redeem it for the physical bar. On one ledger, across four markets, at a published spread of 1.5% or less.
Fiveproducts,fusedononestack.
Most apps stop at buy and sell. Aadigo turns a single vaulted gram into a financial primitive, and unifies the whole life cycle under one identity and one double-entry ledger.
The on-ramp
Digital Gold
Fractional 24K from ₹10. Real-time LBMA pricing, auto-invest by UPI / GIRO / QRIS, gifting and joint holdings.
Earn yield
Gold Lease
Opt in to lease stored gold and earn 3-5% p.a., paid in additional grams or fiat. Insured, audited, 7-day notice.
Borrow. Instant credit
Gold Loan · xLoan
Pledge digital or physical gold for credit at up to 75% LTV, disbursed to UPI or e-wallet in minutes.
The cross-border layer
Tokenized Gold · xAU
On-chain gold under ERC-3643. Identity-gated, backed 1:1, Chainlink Proof-of-Reserve verified, redeemable at any partner store.
Fiat & crypto
Multi-rail Funding
Buy with INR, SGD, MYR, IDR, or major crypto like USDC and USDT, auto-converted via regulated OTC and travel-rule rails.
Closing the loop
Redemption Network
Reserve, scan a store QR, walk out with the bar. Once 500+ jewellers are live across four markets, the network is the moat.
The same gram, five lives. No bullion shipped.
A student in Coimbatore buys it. Her family puts it to work and pledges it. Her uncle in Singapore holds it as a regulated token. Her cousin in Jakarta walks into a counter and takes it home.
Buys ₹10 of gold
Fractional 24K, vaulted with a SEBI-regulated custodian, backed 1:1.
Earns yield on it
Leased to the bullion partner at 3-5% p.a., still insured and audited.
Pledged for credit
Her mother borrows instantly against it at 75% LTV via a partner NBFC.
Held as a token
Her uncle holds the same gram as xAU, a regulated, on-chain claim.
Redeemed at a counter
Her cousin scans a QR at a PT Pegadaian store and collects the bar.
Oneidentity.Oneledger.Andeachofthemchargedlessthanincumbentschargeforanysingleoneofthosethings.
Best spread in market, and healthy unit economics.
“Charge less” alone fails. Aadigo makes the buy/sell spread a loss leader and earns across loan, lease, FX, redemption and B2B instead of front-loading everything onto the spread.
All-in spread, indicative · lower is better
Revenue is diversified, so the visible price can be lowest while the business stays profitable. The actual profit centers sit elsewhere:
Builtbyoperators,fortraders.
Financial engineers, compliance experts, and product builders dedicated to digitizing the world's oldest asset class.
Sivachandran Velusamy
The one who saw it first, that gold is the most trusted asset on earth and the worst served by technology. Sets the direction, owns the relationship with regulators and investors across four markets, and makes the calls when the company needs one voice to speak for it.
Mohamed Mahathir
Keeps the math honest. Every gram on the platform is backed 1:1 and that promise lives or dies on treasury discipline, so this is the person who owns it. Builds the financial model, runs the fundraising process, and makes sure growth never outpaces the balance sheet.
Sivaraman Rajendran
Turns the roadmap into something that actually ships and settles on time. Owns the partner network, vaults, NBFCs, KYC providers, jewellers, and the unglamorous work of making sure a loan disburses in minutes and a lease pays out on schedule, every time.
Suraj Prakash Paul
Earns trust before asking for a transaction. In a category where the product is also a promise, marketing isn't about reach first, it's about credibility first. Builds the story that gets a first-time customer to put real money into something digital.
The leaders have scale.
They do not have depth.
India finally has a compliance perimeter. Indonesia's carve-out makes the loan unusually accessible. Singapore's GOLDX proved the architecture, and left retail untouched. The window is open.
