In stealth · Launching early 2026

Your gold. Your silver. Your bank.

BharatMoney turns the metal your family already trusts into money you can save, borrow against, and spend. Vaulted with BIS-certified custodians. Provable on-chain. Built for Bharat first.

Join the waitlistSee what we're building
1,000+
Already on the waitlist
BIS-certified
Vaulted custody
Polygon
On-chain provenance

Buy gold

Preview
Gold₹ 7,245/gup 0.42%
₹

You get about 0.690 g of 24K gold, vaulted in your name.

Illustrative product preview. Rates shown are not live quotes.

  • Vaulted gold & silver
  • BharatPay rails
  • Arjun AI Advisor
  • Tokenized assets

What we're building

India's most trusted asset, finally connected to the digital economy.

BharatMoney is building financial infrastructure that connects gold, payments, AI, and blockchain — so precious metal ownership becomes transparent, liquid, and usable in everyday life.

Gold + Blockchain

Digital Gold Infrastructure

Own, send, and certify gold on-chain with instant settlement, secure vaulting, and transparent provenance.

Fintech Rails

Payments & Merchant Rails

Modern payment rails for merchants and consumers, built for instant, low-cost settlement across assets.

AI + Trust

AI Financial Assistant

Personalised advice and deferred credit powered by AI, designed for every Indian household and small business.

Why it matters

  • 400M+ Indians still lack access to formal financial services.
  • Gold is the #1 trusted asset in India, but most of it is stuck offline.
  • Blockchain and AI can unlock new digital experiences without breaking trust.
  • We build India-first infrastructure, not a copy of a western app.

Why now

Four things had to line up. They finally have.

  1. 01

    Regulatory clarity is improving for fintech and blockchain.

  2. 02

    Payment infrastructure is ready for a new rails layer.

  3. 03

    Consumers are embracing digital gold and modern finance.

  4. 04

    India is poised to lead with scale, trust, and talent.

Products coming soon

A product suite for gold, silver, payments, AI, and tokenized assets.

Your vault, at a glance

Gold

24K · 999.9

12.480 g

₹ 90,418up 0.42%

Silver

999 fine

480.000 g

₹ 44,160down 0.18%

Illustrative holdings. Not live data.

Digital Gold Platform

Q3 2024

Buy, hold, and sell digital gold and silver with zero friction, secure vaulting, and real-time price updates.

BharatPay

Q4 2024

Blockchain-powered payments for merchants and consumers, built for instant, low-cost settlement.

Arjun AI Advisor

Q1 2026

Personalised AI guidance for investing, saving, and spending, designed for every Indian household.

TokenizedAssets

Q2 2026

Tokenize gold, silver, real estate, and commodities into fractional digital assets with audited transparency.

Join the waitlist for any product

Blog & insights

Our thinking on fintech, blockchain, and India's digital economy.

Read our perspective on gold, payments, AI, tokenization, and why BharatMoney is building for India.

Join the waitlist

Founding members get first access.

Early access to product previews, beta invites, and founding perks. Limited seats.

I'm interested in

Submissions open shortly. Nothing is sent or stored yet.

Founding members get

  • Zero platform fees for life
  • 10g free silver on launch
  • Founding Member NFT badge

Waitlist open — limited seats for early access.

Grow with us

Jewellers, NBFCs, retailers — let's grow together.

Partner Jeweller

Accept gold-backed payments. Get verified customers. Earn commission on every transaction at your store.

Apply as Jeweller

City Franchise

Be BharatMoney's representative in your city. Earn from every onboarded customer and merchant in your territory.

Apply for Franchise

Strategic Partner

NBFCs, banks, payment companies — partner with us for co-lending, distribution, and infrastructure.

Start a conversation

Careers

Join early and build India's financial infrastructure.

We're hiring product builders, engineers, and operators who want to shape the next generation of fintech in India. Small team, high ownership, and meaningfully large problems.

  • Blockchain Engineer

    Build secure rails for payments, tokenization, and asset-backed finance.

    Apply

  • Product Lead

    Own product strategy for digital gold, payments, and AI financial services.

    Apply

  • Growth & Partnerships

    Scale our merchant distribution, partner network, and early user growth.

    Apply

We welcome builders who want to create infrastructure for 400M+ underserved users. careers@bharatmoney.com

FAQ

Questions, answered.

When does BharatMoney launch?

Early 2026. We're currently in stealth mode, building the product. Founding members get first access before public launch.

Is my gold really safe?

Yes. All gold and silver is vaulted with BIS-certified custodians, fully insured, and ownership is recorded on the Polygon blockchain for complete transparency. You can verify your holdings anytime.

How is this different from Paytm Gold or SafeGold?

We're the first to combine gold, silver, lending, payments, and blockchain transparency in one app. We'll also offer one of the lowest gold loan rates in India, with no hidden charges.

Do I need to understand blockchain?

Not at all. The app feels like PhonePe or Paytm — simple, clean, and familiar. Blockchain works invisibly in the background to prove your gold is real and that your ownership record is tamper-proof.

What about regulations?

We work within Indian financial regulations. Custody is with licensed partners. Lending will be through a licensed NBFC. We take compliance seriously and are building BharatMoney the right way.

How can I invest in BharatMoney?

We're currently raising our pre-seed round and selectively meeting aligned investors. If you're an angel, family office, or VC, write to investors@bharatmoney.com and we'll take it from there.

Still have questions? Email us at hello@bharatmoney.com