GOLD is a new payment network — near-zero transaction fees, real-time settlement, and a gold plated card that finally looks like the money it moves. Built to put Visa and Stripe out of business.
Every card swipe still routes through decades-old interchange, taking 1–3.5% plus fixed fees off every transaction — and taking days to actually settle. GOLD moves money the way FedNow moves money: directly, instantly, for a fraction of a cent.
Stripe's ACH product still settles on 1–3 day banking cycles because ACH is a batch system. FedNow is not a batch system — it's real-time gross settlement, transaction by transaction, 24/7/365, with finality in seconds. That's the tech GOLD is built on, not a faster version of the old rail — a different rail entirely.
Customer pays with a GOLD card, tap-to-pay, or the GOLD badge at checkout.
Payment routes over FedNow real-time gross settlement — no card network in between.
Merchant is paid in under a second, funds fully final — no holds, no batching.
A flat network fee replaces interchange — a fraction of what Visa and Stripe take.
Every GOLD card is finished in real gold plating — a physical signal that the account behind it settles differently than everything else in your wallet.
A heavyweight metal card, gold plated edge to edge — built to be felt, not just tapped.
Works everywhere a card works today — contactless, chip, or a GOLD QR code at checkout.
No pooled custodial float — GOLD settles account to account over FedNow in real time.
One flat network fee. No interchange, no assessment fees, no surprise line items.
The GOLD badge tells customers a lower-fee, instant-settlement option is on the counter — on the register, the check holder, or the door.
A single sticker at checkout signals GOLD acceptance — no new terminal required for QR-based acceptance.
Restaurants slip the GOLD badge into the check presenter — pay tableside, settle instantly.
Let customers know before they walk in — GOLD accepted here, near-zero fees passed back to you.
Interchange is often a merchant's largest line-item cost after payroll. GOLD gives that margin back.
No more waiting on ACH batches or card network settlement windows. Funds move the moment the sale closes.
Accept GOLD with a QR code and your existing counter setup — or add a GOLD reader when you're ready.
Join the waitlist for early cardholder and merchant access — before Visa and Stripe notice.
No spam. One email when GOLD opens up.