Built on FedNow real-time settlement

The end of the
swipe tax.

GOLD is a new payment network with near-zero transaction fees, real-time settlement, and a gold plated card that finally looks like the money it moves. It is built to put Visa and Stripe out of business.

Join the Waitlist See How It Works
GOLD-01 A gold plated GOLD payment card lit by a single light on black
GOLD-01 · Card · 24K plate · single-source studio light Hardware
~0%
Transaction fee, not 2.9% + 30¢
<1 sec
Settlement over FedNow RTGS
24/7
Real-time, every day, no batch cycles
The Problem

Visa and Stripe were built for a world without real-time rails.

Every card swipe still routes through decades-old interchange, which takes 1–3.5% plus fixed fees off every transaction and days to actually settle. GOLD moves money the way FedNow moves money: directly, instantly, for a fraction of a cent.

Visa / Stripe

Card-present fee~1.5–2.6%
Card-not-present fee2.9% + 30¢
Settlement time1–3 days
ACH settlement1–3 business days
RailLegacy interchange / batch ACH

GOLD

Transaction feeNear 0%
Network feeFlat, transparent
Settlement time< 1 second
vs. ACH~250,000× faster
RailFedNow RTGS

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 is real-time gross settlement, transaction by transaction, 24/7/365, with finality in seconds. That is the rail GOLD is built on, and it is a different rail entirely rather than a faster version of the old one.

1
Tap or Swipe

The customer pays with a GOLD card, tap-to-pay, or the GOLD badge at checkout.

→
2
Direct Bank Rail

The payment routes over FedNow real-time gross settlement with no card network in between.

→
3
Instant Settlement

The merchant is paid in under a second, and the funds are final with no holds and no batching.

→
4
Near-Zero Fee

A flat network fee replaces interchange at a fraction of what Visa and Stripe take.

The Card

Gold plated. Instantly recognizable.

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.

GOLD-01 / Edge Macro of the machined gold plated edge of the GOLD card
Machined chamfer · brushed 24K · macro Detail
✓
Gold plated finish

A heavyweight metal card, gold plated edge to edge, built to be felt and not just tapped.

✓
Tap, chip, or QR

It works everywhere a card works today, whether by contactless, chip, or a GOLD QR code at checkout.

✓
Linked straight to your bank

There is no pooled custodial float, because GOLD settles account to account over FedNow in real time.

✓
Zero foreign, zero hidden fees

You pay one flat network fee with no interchange, no assessment fees, and no surprise line items.

For Merchants

One badge. Every register.

The GOLD badge tells customers that a lower-fee, instant-settlement option is on the counter, whether it sits on the register, the check holder, or the door.

GOLD
Register Decal

A single sticker at checkout signals GOLD acceptance, and QR-based acceptance needs no new terminal.

GOLD
Check Holder Insert

Restaurants slip the GOLD badge into the check presenter so guests pay tableside and settle instantly.

GOLD
Storefront Window Cling

Customers know before they walk in that GOLD is accepted and that near-zero fees are passed back to you.

GOLD-02 / Reader The GOLD card resting on a compact black GOLD card reader
GOLD-02 · Counter reader · anodized black · one orange key Optional
01

Keep the margin

Interchange is often a merchant's largest line-item cost after payroll, and GOLD gives that margin back.

02

Get paid same-second

There is no more waiting on ACH batches or card network settlement windows, because funds move the moment the sale closes.

03

No new hardware

You can accept GOLD with a QR code and your existing counter setup, or add a GOLD reader when you are ready.

The Vault

Gold has always been money.

For five thousand years, people have trusted gold to hold its value. GOLD brings that same trust to the way money moves today.

AU-79 / Hoard Antique gold ingots, coins and chains lit by a single light on black
Ingots · coins · chain · single light sourceAu 79
AU-79 / Coin Macro of old gold treasure coins on black
Old gold coins · macroCoin
AU-79 / Chain Macro of heavy gold chains on black
Heavy gold chain · macroChain
Get Early Access

Be first to carry GOLD.

Join the waitlist for early cardholder and merchant access before Visa and Stripe notice.

No spam. You will get one email when GOLD opens up.