Gold
24K, per gramAED 496.65
Sell AED 481.96
Coming soon to the UAE. Join the waitlist.
Gold that works
like money.
Save in real 24K gold from AED 10, at the live price. Soon, spend it with a card and borrow against it without selling. Every gram is real metal in an insured vault.
Families here have saved in gold for generations. Now you can start with AED 10, on your phone.
Coming soon
Pay with
Pay with
your gold.
A Lumos card is on the way. When you pay, we sell just the grams you need at the live price. The rest stays in gold.
- Pay by card or phone
- Freeze it and set limits in the app
- See every purchase in grams and dirhams
Coming soon
Need cash?
Need cash?
Keep your gold.
Selling gold for a short-term need means missing out if the price rises. Soon you will be able to borrow against your gold instead, and keep every gram.
- No need to sell
- Your gold stays in the vault
- Repay, and your gold is free again
At launch
Save on autopilot.
Pick a goal, a metal and an amount. Lumos buys for you every week or month at the live price. Watch each goal fill up, gram by gram.
- Buy from AED 10 in seconds
- Goals for a wedding, Umrah, school fees or a rainy day
- Pause or stop any time
- Sell any time, or have bars and coins delivered
Live prices
Live prices.
Every fee up front.
Silver
999 fine, per gramAED 7.14
Sell AED 6.77
- Spread included in the price
- Bank payment: free
- Card payment: 3%
- Sales under AED 100: AED 5
- Storage: free for 2 years
- All fees in Key Facts
Prices are paused for a moment while the market feed catches up.
Every gram, accounted for
Real metal.
Really yours.
Pure 24K gold
And 999 fine silver. Real bars in the vault, gram for gram.
Insured, in a vault
Held with SafeGold in Dubai and insured for its full value.
Checked every day
Every day we check that the metal we hold covers everything our customers own.
Free storage
No storage fee for your first 2 years. Want it in your hand? Get bars and coins delivered in the UAE.
Lumos for business
Put gold inside your app.
Banks, wallets and payroll apps can offer gold and silver under their own brand, through one API.
Is the gold real?
Yes. Every gram you buy is physical 24K gold (999.9) or 999 fine silver, held in a vault. Every day we check that the metal we hold covers everything our customers own.
Where is it kept? Is it insured?
With SafeGold, in a vault in Dubai. It is insured for its full value.
What does it cost?
Our fee is built into the price, as a spread. Gold: about 1.5% when you buy and 1.5% when you sell. Silver: about 5% when you buy and 0.3% when you sell. Bank payments are free, card payments cost 3%, and sales under AED 100 cost AED 5. Storage is free for your first 2 years. Every fee is in our Key Facts.
How much do I need to start?
AED 10. No minimum balance. No lock-in.
When can I spend and borrow with my gold?
Not at launch. Buying, saving, selling and delivery come first. The card and borrowing follow. Join the waitlist and we will email you when each one is ready.
Can I sell any time?
Yes. Sell some or all of it at the live sell price. The money goes to a bank account in your name.
When does the app open?
Soon. Join the waitlist and we will email you the day it opens.