Make your own. Silver, Platinum, anything.
An open invitation from GOLD (pay-with.gold)
The idea behind GOLD is not locked up. A near-zero-fee payment card that settles in real time over public rails like FedNow is something any card company, bank, fintech or community group is free to build. You can make your own version for free, under your own name: Silver, Platinum, a credit union's house brand, or anything else you choose. You do not need our permission and you do not owe us anything.
Download the free starter kit
Want to launch your own card brand without starting from a blank page? Download the kit: a complete copy of this website with the GOLD name and logo removed, ready to rebrand. Open one settings file, add your name, colors, pictures and contact details, and upload the folder to your own host and your own domain. It does not run on our site, does not phone home, and carries no tracking.
Download the starter kit (.zip)
It includes the home page, the merchant demo page, placeholder legal pages for you to replace, a short step-by-step guide and a plain license. You will need your own pictures, your own terms and privacy policy written by a lawyer, and licensed bank or issuer partners before you take any money.
What is free to use
- The idea: a flat, transparent, near-zero network fee in place of interchange, with real-time settlement account to account.
- The plain-language description of how it works on this site, as a starting point for your own explanation in your own words.
- The public rails and standards it runs on, which belong to the public and their operators, not to us.
What stays ours
The GOLD brand identity belongs to Island Global Co: the GOLD name, wordmark, logo and badge, our card and reader designs and renderings, trade dress, photography, website text, graphics and code. Please do not copy or imitate them, and do not use GOLD or a confusingly similar name. That is how your Silver stays clearly yours, and how GOLD stays clearly ours.
How to start your version
- Choose your own identity. A new name, logo, colors and card design that you create or have the right to use. Check that the name is not already taken by someone else before you commit to it.
- Find licensed partners. Issuing cards or moving money takes regulated banks, issuers and processors, and the approvals that go with them. You are responsible for getting them.
- Describe it honestly. Say what you actually offer, what it costs and who the partners are. Do not claim a partnership with, or approval from, GOLD, FedNow, Visa, Stripe or anyone else unless you have it in writing.
- Tell us if you like. We would be glad to hear what you build. Email info@island.contact. This is optional and does not create any partnership or obligation.
What this page is not
This is a statement of openness about an idea. It is not a license to our brand, a partnership, an endorsement, a franchise or a financial service, and it is not legal, financial or regulatory advice. GOLD is currently a concept and offers no cards, accounts or payment services, and no bank or other financial institution partner has been announced. Talk to your own lawyer and regulators before you launch anything.
pay-with.gold · Terms of Use · Privacy Policy · info@island.contact