Become a Founding MemberJoin

Invest in Gold.
Borrow Against it.
Earn more when you spend.

Access credit against your gold without selling it — and earn more gold through everyday card spending.

A Parroli customer — I am a Gold Owner
01Invest in gold
→
02Gold backs credit
→
03Swipes earn gold

Swipes earn gold. Gold backs credit.

Say Parroli to ordinary credit.

01Invest & Own

Invest in allocated physical gold.

Invest in gold without the hassle. No choosing between bars or coins, grams or ounces — buy as easily as buying bitcoin. You own an allocated share of physical gold, stored and insured at a COMEX-approved vault, bought directly from the wholesale market for competitive prices.

Every purchase is added to your holdings and documented in your Ownership Certificate. Start with an amount that works for you and build over time, with the potential to benefit from rising gold prices.

Want to hold it in your hands? Request physical delivery of your eligible holdings. Delivery fees apply.

Ownership Certificate
Allocated holding 12.6 g
in your name
  • StorageCOMEX-approved vault
  • InsuranceFully insured
  • CustodyAllocated, customer-owned
02Borrow

Borrow against your gold.

Your gold is your collateral. Access a credit line of up to 65% of its current eligible value. For example, $10,000 of your gold could give you access to a credit line of up to $6,500 — while you keep ownership of your gold.

Gold balance$10,000
→
Credit line · up to 65%~$6,500
→
Available creditUsable with your Parroli Card

~7.99% – ~9.99%current target APR

Start with the card and buy gold later — every further gold purchase increases your credit line, with a lower APR backed by your collateral gold.

03Earn

Earn gold on everyday spend.

Rewards are credited in gold, reinforcing ownership with everyday use — every swipe adds to the gold you own.

1%–5% Gold Rewards Real gold on eligible card spend.
04How it works

Two ways to start.
One simple platform.

Easy and fast. Pick your path — both end at the same Parroli card.

Start with gold

01Open your account 02Buy physical gold 03Get your gold-backed card 04Access a lower APR, backed by gold 05Earn gold on eligible purchases

Start with the card

01Apply for your card 02Complete a credit review 03Get your Parroli card 04Earn gold on eligible purchases 05Add gold to qualify for a lower APR
05 Borrowing Costs

The net cost of borrowing against gold.

$2,000 borrowed · $5,000 in gold · 4 months
Pawn Shop –$223 Net cost* Borrow against physical gold
Parroli +$20 After gold rewards* $120 gold rewards – $100 total costs
Gold ETF + Broker Loan –$87 Net cost* Borrow against eligible ETF shares
See calculation & assumptions
Scenario$2,000 borrowed for four months against $5,000 of gold. Preview figures, not an offer.
Pawn shop15% p.a. interest, plus 3.75% storage and a 3% setup fee.
Parroli9.99% APR on the drawn amount, plus the 2% Storage & Ownership Fee, offset by Gold Rewards (assuming $1,500/month spend and 2% back in gold).
Gold ETF + broker loan12.075% broker loan rate, plus a 0.4% p.a. Gold ETF holding fee.
ExcludedGold price changes, taxes and promotional rates.

Preview figures only, not an offer, quote or guarantee. Pawn shop and broker loan figures are illustrative assumptions that vary by lender and state; Parroli rates, fees and rewards are planned and subject to approval.

06Card Tiers

Your gold ownership. Made visible.

Four planned card tiers, with distinctive designs and materials that reflect your gold ownership. Each ownership tier has its own card design — with status based on your gold holdings, rather than spending or membership fees.

Parroli
Below $5,000
Gold
$5,000 – $19,999
Black
$20,000 – $49,999
Midas
$50,000+

More than a card. A statement of ownership.

Full tier details will be announced before launch.

07Ownership & Trust

Real physical gold
Documented and redeemable.

Every completed investment is linked to allocated physical gold and an Ownership Certificate — real ownership you can document and redeem. Your gold holdings also determine your card tier: more gold unlocks a higher tier, a larger credit line and a lower APR.

Allocated & customer-owned
Held with the custodian in your name, not pooled.
Ownership Certificate
Each investment is linked to your custody record.
2% annual Storage & Ownership Fee
Billed quarterly; covers storage, ownership administration and redemption.
Redemption within 28 days
After a valid request. Holdings under 1 g are settled in cash.
08See Parroli in Action

Your gold. Your credit. One view.

See the gold you own, current value, card activity and Gold Rewards in one place.

Swipes earn gold. Gold backs credit.

15-second explainer
0–3sInvest in goldAllocated physical gold appears in the vault.
3–7sGold backs creditGold balance transforms into available credit.
7–11sSwipes earn goldCard swipe adds Gold Rewards to owned balance.
11–15sParroliSay no to ordinary credit. Join the Founding Member Program.
09How it works

Questions, answered.

Everything you need to know about how Parroli connects gold ownership, credit and rewards.

How does gold-backed credit work?

Your allocated gold is collateral for a credit line up to 65% of its value (e.g., $10,000 of gold → up to $6,500). The target APR is 7.99%–9.99% with gold; a card-only start is ~20%+ and drops as you add gold.

How do Gold Rewards work?

Earn 1%–5% back in physical gold on eligible purchases — every swipe adds to the gold you own.

Is the gold really mine, and is it insured?

Yes — allocated and held in your name (not pooled), linked to an Ownership Certificate. Fully insured through Lloyd’s of London against theft, damage and loss.

Can I redeem or withdraw my gold?

Yes. Redeem within 28 days (holdings under 1 g settled in cash). To withdraw, pay your credit balance to zero first, then we ship it or transfer to a vault of your choice.

What are the card tiers?

Four planned tiers — Parroli, Gold, Black and Midas — based on your gold holdings, not spending or fees. Start at $5,000 and add more anytime to grow your credit line and unlock lower APRs. Full details announced before launch.

What if gold prices drop?

If gold drops more than 10%, we may sell part of your gold to restore the 65% loan-to-value ratio.

How is my gold valued?

Real-time Bullion Market pricing for accurate valuations when you buy or earn gold.

Is my gold safe if Parroli closes?

Your gold is in segregated, independent custody in your name. If Parroli closes, you get your gold back after paying your debt. Private custody also offers strong property-rights protection.

Can I use it like a regular card?

Yes — works anywhere Visa/Mastercard is accepted, online and internationally. We report your credit line to agencies, and unlike secured cards that lock up idle cash, your gold collateral can appreciate and is returned when you pay your balance.