> ## Documentation Index
> Fetch the complete documentation index at: https://docs.grail.oro.finance/llms.txt
> Use this file to discover all available pages before exploring further.

# GRAIL

> Digital gold infrastructure for modern finance

# 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

**For Engineering**

* Modular REST APIs with clear documentation
* Compressed accounts minimize on-chain costs (\~1000x reduction)
* Open-source program code for full auditability

**For Compliance**

* Whitelist-only access for vetted partners
* KYC-gated transactions across both models
* Full on-chain audit trail

<Card title="Grail Overview" href="/grail-overview/overview" />