A non-custodial gold neobank for humans and AI agents. Buy, save, spend, gift or auto-invest gold, and borrow cash against it in seconds. No credit check, no gas.
For thousands of years, people have trusted gold with their savings. About $19 trillion of it sits in jewelry, bars and coins today (World Gold Council), and almost none of it works. You can't spend it or send it, and the day you need money, you have to sell it or pawn it.
In the last year, that started to change. Tokenized gold doubled to $5.9B (CoinGecko), and DeFi lending markets now accept it as collateral. So far, though, those tools serve crypto traders, and the people who actually save in gold have been left out.
We built Auri for them. It feels like the banking app they already use: they sign up with an email, Google or a passkey, and there is no wallet to set up, no seed phrase to keep and no gas to pay. The DeFi runs quietly in the background.
From there, their gold works like money. They can buy and sell it in seconds, set up Auto-Invest to add a little daily, weekly or monthly, and send or gift it to anyone. When they need cash, they don't have to sell. They borrow dollars against their gold in seconds, with no credit check, from an open lending market. The rate floats with supply and demand; over the last three months it ranged between about 3% and 12% a year, while a US pawn shop can charge up to 25% a month (FirstCash 10-K). Through all of it, the gold stays in their name, and they can export their key and take it with them any time.
Auri is live on Arbitrum One mainnet today. Every account is a ZeroDev smart account with its key secured by Privy, Enso handles the swaps, and Morpho provides the loans. Arbitrum's fees are low enough that we pay every user's gas.
We are launching in the US and Canada, where people sent $122B abroad last year (World Bank). With stablecoin rails from leading partners, our users will move money between their bank and Auri, send money home straight from their gold, and spend it with the Auri card. AI agents come next: our MCP server will let Claude, Codex or any agent manage their gold within limits they approve.
Longer term, Auri becomes the gold layer behind other businesses. Through our API, fintechs and banks will offer gold accounts to their own customers, and employers will pay salaries in gold, so saving in gold becomes something people do without thinking about it.