GOLD-BACKED FINANCE · GCC
Make your gold work
like money.
Borrow against it or spend on a gold-backed credit card without giving it up — or sell at a fair market price when you choose.
Backed by Antler & Qatar Development Bank.
Financing provided by partners licensed with the UAE & Qatar central banks.
How it works
999.9 · 24K
1
Value your gold
Get an instant estimate, based on the live gold price.
2
Verify with a jeweller
A certified jeweller confirms weight and purity in person.
3
Put it to work
Borrow against it, spend on a gold-backed card, or sell at market.
Verify once — use it again and again.
Value my gold →
What You Get
Three ways to use gold you
already own.
Borrow
Gold-backed loan
Raise cash against your gold and keep ownership. Your limit is based on the gold you pledge.
You keep ownership
Spend
Gold-backed card
Your credit limit rises and falls with the gold you've pledged — add more to the vault and it grows, take gold back out and it shrinks.
Limit moves with your gold
Sell
Sell at market
When you do want to sell, get a fair market price settled through our jeweller network — no pawnshop style markdown.
Transparent market price
Why it costs less
Gold you own shouldn't
cost the earth
to borrow against.
Informal & pawn type lenders charge high rate because there's never been a reliable way to value, store and sell gold at scale — so every loan pays for that gap again.
Dhahaby does the hard part once
— AI valuation, an in-person jeweller check, insured custody, and a single reusable digital record. The same verified gold can then support a loan, fund a credit card limit, or be sold — without repeating the cost. That efficiency brings the cost down — and because your gold secures the credit, it costs less than the unsecured cards and cash loans most people use instead. Which is why Dhahaby is worth using when it's smart, not only when it's urgent.
That efficiency is what brings the rate down — which is why Dhahaby is worth using when it's smart, not only when it's urgent.
Informal gold lender
Pawn / cash-for-gold
30–80%
Unsecured card debt
Typical GCC APR
18–42%
Gold-backed via Dhahaby
Priced by licensed partners
a Fraction
Comparison figures are indicative market ranges. Dhahaby does not set rates; its licensed finance partners do.
Trust you can audit
Your gold, provable at
every step.
Insured, institutional custody
Pledged gold is stored in insured vaults, fully audited — never in a back room.
A one-to-one record
Every verified asset is linked to a secure digital record that can't be quietly altered — proof of what you own and where it's been. Kept on a blockchain, though you never touch it.
Regulated partners do the finance
All lending, custody and settlement is carried out by licensed financial institutions under their own approvals.
Dhahaby is the technology that connects your gold to regulated finance.
We don't lend, hold deposits or take custody ourselves
— our licensed partners do. We handle valuation, verification and the secure record that makes it all work.
FINE GOLD
999.9
status
VERIFIED
·
1:1 backed
Partners & Investors
Built with institutions,
not around them.
Mawarid Finance PJSC
Al Jazeera Finance (Tamweel)
Antler
Qatar Development Bank
Regulatory pathways established in the UAE and Qatar.
Financing partners are licensed with the Central Bank of the UAE and the Qatar Central Bank, and all structures are Shariah-compliant and asset-backed.
TON SuperApp Challenge – Winner
Uzbek IT Park Finclusion – Winner
ADIB Digital Assets Innovation – Runner-up
Avalanche BuildGames – Finalist
EARLY ACCESS
Be first when
we launch.
Join the waitlist to unlock credit against your gold the day we go live.
have explored Dhahaby
on the waitlist
We'll only email you when we're live. No spam, ever.
Modern finance infrastructure for timeless assets. GCC private gold, made useful.
Dhahaby is a financial technology platform providing infrastructure, data and technology services to licensed financial institutions.
Dhahaby does not itself conduct lending, deposit-taking, custody, or financial intermediation. All credit, storage and financing services referenced on this site are provided by Dhahaby's licensed finance partners under their own regulatory approvals. Any values, credit limits or rates shown are illustrative, do not constitute an offer of credit, and are subject to partner approval. Financing structures are Shariah-compliant and backed by physically audited gold held in insured custody.
Dhahaby Tech Ltd. (DIFC, UAE — Innovation Licence, Co. No. 11843), Dhahaby LLC (Qatar Financial Centre — Fintech Services Licence, Co. No. 03008) and MHL Technologies Co. (KSA — Technology Licence, Co. No. 7052142127) are wholly owned subsidiaries of Mahalaxmi Holdings Limited (Cayman Islands, Co. No. 411048).