Understanding Grail
It lets any fintech offer gold-powered products: savings accounts, yield, credit, rewards, and physical redemption via simple APIs. Built by Oro, GRAIL handles the hard parts: regulatory compliance, physical gold custody, on-chain settlement, and KYC orchestration. You focus on your users.Choose Your Model
| Custodial | Self-Custody | |
|---|---|---|
| Who holds assets | You manage user balances | Users hold in their own wallets |
| Best for | Neobanks, traditional fintechs, apps where users don’t interact with blockchain | Crypto exchanges, DeFi platforms, Web3 apps |
| User experience | Seamless—users never see blockchain complexity | Users sign transactions with their wallets |
| Your responsibility | KYC, user management, balance tracking via API | KYC, platform access, transaction facilitation |
Use Cases
Savings & Deposits Let users save in gold instead of cash with seamless deposits, withdrawals, and balance tracking. Credit & BNPL Build gold-backed credit lines and buy-now-pay-later flows with real-time controls. Yield Accounts Offer gold balances that generate real, native yield safely over time. Round-Ups Automatically convert spare change into long-term gold savings. Rewards & Loyalty Create programmable rewards, incentives, and cashback systems settled directly in gold. Group & Shared Savings Enable shared gold savings with transparent balances, rules, and permissions.Why GRAIL?
For Product Teams- Launch gold savings, DCA, or yield features without commodity expertise
- White-label ready — your brand, our infrastructure
- Ship in days, not months
- Modular REST APIs with clear documentation
- Compressed accounts minimize on-chain costs (~1000x reduction)
- Open-source program code for full auditability
- Whitelist-only access for vetted partners
- KYC-gated transactions across both models
- Full on-chain audit trail