NUBL GOLD FAQs
Explore everything about our Shariah-compliant platform
Banks, Lenders & Institutions
This section helps conventional financial institutions understand how to access the global Islamic finance market using the NUBL GOLD infrastructure.
What is Islamic finance, and why is it growing globally?
Islamic finance is a system that avoids interest (riba), uncertainty (gharar), and unethical investments. It is growing due to global demand for ethical, transparent, asset-backed alternatives to conventional finance.
How can a conventional bank participate without being Shariah-certified?
Through NUBL GOLD, banks and lenders can offer compliant products without becoming Islamic banks. NUBL handles Shariah compliance on the backend through structured contracts, certified logic, and gold reserves.
What kinds of products can we offer through NUBL?
Products include Murabaha (markup-based sales), Ijara (leasing), Salam (advance purchase), and ethical working capital tools. All are compliant and gold-backed.
What is the role of gold in this model?
Gold acts as the reserve asset. It backs every transaction, provides real value, and eliminates speculation, making the system ethically robust and legally defensible.
Do we need to hire Shariah scholars or internal experts?
No. NUBL’s infrastructure includes pre-approved Shariah logic, certified templates, and optional integration with external scholars where needed.
Will we retain control over branding and customer onboarding?
Yes. Use NUBL as a white-label engine or integrate it behind your existing platform. Keep your branding and customer relationship intact.
How does NUBL GOLD help us meet ESG and impact investment goals?
Islamic finance aligns naturally with ESG: no exploitation, interest, or harmful sectors. NUBL GOLD is transparent, real-asset based, and traceable — perfect for ethical and impact funds.
What kind of returns can our institution expect?
Returns come from markup participation, platform usage fees, and structured revenue shares — not from interest. Each return path is tied to real transactions.
Can we choose which countries or user segments we want to serve?
Yes. You control your segment, jurisdiction, and contract types. NUBL supports full localisation and population targeting.
What is required from us technically to get started?
Very little. Our team provides API docs, sandbox demos, and onboarding support. Your IT team connects to our endpoints or embeds NUBL-branded modules.
What compliance or legal risks do we face?
Minimal. You retain user ownership while NUBL automates documentation, contracts, and regulatory alignment. We assist in legal mapping per country.
What is the next step if we’re interested?
Contact our team or book a private demo. We’ll guide you through technical access, partnership terms, and country-specific considerations.
General Questions
This section covers the basics of NUBL GOLD — what it is, who it's for, and how it works.
What is NUBL GOLD?
NUBL GOLD is a Shariah-compliant, gold-backed digital finance infrastructure platform that enables interest-free lending, ethical investment, and institutional-grade fintech deployment across global markets.
Is NUBL a bank?
No. NUBL is a financial technology platform. We do not hold deposits or offer consumer banking. Instead, we provide the tools that banks and institutions need to offer compliant financial products.
What does “gold-backed” actually mean?
It means that all financing or lending conducted via NUBL must be matched with a corresponding quantity of physical, audited gold held in reserve — ensuring real-world value, trust, and Shariah compliance.
Who can use NUBL GOLD?
The system is designed for institutional partners: banks, MFIs, regulators, and fintechs. Retail users only interact with NUBL indirectly via licensed partners.
Where is NUBL GOLD based?
NUBL GOLD is headquartered in the UK, aligned to FCA principles, but operates as a modular system for global deployment in the UAE, KSA, Qatar, and beyond.
What makes NUBL GOLD different from other fintechs?
We combine gold reserves, Shariah contracts, AI compliance checks, and modular partner tools — designed to serve institutions, not compete with them. It’s infrastructure, not an app.
Is this a crypto or blockchain project?
No. NUBL GOLD is not a cryptocurrency platform. While we may use internal tokenisation for recordkeeping, we do not issue coins or engage in public chain speculation.
Is it only for Muslims?
No. NUBL GOLD serves all ethical finance partners and users who value transparency, fairness, and asset-backed lending — regardless of religion or background.
How does NUBL generate revenue?
Revenue comes from partner licensing, usage fees, gold reserve management, and co-branded infrastructure — not from interest or speculative financial products.
Is there a live app or public dashboard?
Not yet. A live partner-facing system exists, but public rollout is pending deployment in the UK and partner licensing in additional regions.
What stage is the platform at?
We have completed architecture, compliance mapping, contract generation, and backend development. All components are tested and demo-ready, awaiting first institutional launch.
How can I explore it further?
Book a private walkthrough or request documentation access to view a working sandbox and full deployment pack.
Investment & Returns
This section explains how NUBL GOLD enables Shariah-compliant investment participation and returns without interest (riba).
How does investment in NUBL GOLD work?
Investors can fund infrastructure, liquidity pools, or regional deployments. Returns are delivered via compliant profit models such as markup revenue shares or asset lease returns.
Is this halal or just ethical?
This is halal. Contracts and markups are structured under AAOIFI-compliant principles and vetted by scholars. There is no interest, no speculation, and all assets are real.
What types of returns are offered?
Returns may be fixed markups (in sales contracts), revenue shares (for platform usage), or leasing profit (in Ijara structures). These are declared in advance and tied to actual delivery.
How is this different from bonds or sukuk?
Bonds involve interest. Sukuk involve asset ownership. NUBL GOLD offers direct profit exposure through gold-backed structures that require no ownership or interest — just contract participation.
Can I invest in specific countries or use cases?
Yes. Institutions can select region, asset type, or partner. For example, you might fund a Qatar SME program or a UAE microfinance initiative.
Are returns guaranteed?
No. Islamic finance prohibits guarantees. However, the platform structures are designed for predictability and risk-managed outcomes using gold and delivery-based assurance.
What is the risk profile?
NUBL GOLD aims for low volatility by using asset-backed contracts, no leverage, and pre-agreed markups. Still, economic, regulatory, and partner-related risks apply.
Can I exit early?
Some models allow early redemption or assignment. Others require full contract maturity. The exit terms are agreed upfront and follow Shariah principles.
Are profits paid in fiat or gold?
Currently in fiat (GBP, USD, AED). Future modules may support profit in gold equivalents or digital gold receipts subject to local licensing.
Is this suitable for ESG and impact investors?
Yes. Ethical principles are built-in: no harm, no exploitation, no hidden costs. Reports include impact metrics, gold audit trails, and user segmentation options.
Can this be offered to Zakat-paying investors?
Yes. Profits are zakatable. NUBL will also offer automated Zakat calculation tools in future releases, tailored to local thresholds and nisab benchmarks.
How do I access investor onboarding packs?
Contact our team or book a secure investor session for onboarding documents, financial models, and profit distribution guides.
Gold, Reserves & Asset-Backing
This section explains how gold underpins the NUBL GOLD platform — including sourcing, reserve policies, and tokenisation.
Why does NUBL use gold instead of fiat currency?
Gold provides real-world value, inflation resistance, and long-standing approval as a just medium of exchange in Islamic tradition. It eliminates the uncertainty and inflation risk found in fiat-based models.
Is there real gold backing every transaction?
Yes. Before any financing agreement is approved, a corresponding amount of physical gold is allocated and held securely. This ensures every financial contract is linked to a real asset.
Where is the gold stored?
Gold is stored in high-security, insured vaults through regulated providers. We work with trusted partners who provide live auditing and transparent reporting.
Is the gold insured?
Yes. All physical reserves are fully insured against theft, loss, or damage. This is a standard requirement across all vaulting partners.
How often are reserves audited?
Audits are conducted quarterly or in real-time (depending on partner) and are made available to investors and institutional partners. A full reserve ledger is always available for compliance checks.
What purity and form of gold is used?
Only LBMA-certified gold (typically 995+ fineness) is used. Formats include 1kg bars, 100g bars, and institutional-grade bullion. Smaller units may be used for microfinance purposes.
Can I physically redeem the gold?
NUBL does not offer physical redemption to users. However, institutional clients may arrange partial delivery under custom agreements, subject to legal and logistical conditions.
Is the gold tokenised?
Internally, yes. Each transaction is linked to a digital token that represents physical ownership. These tokens are not tradable on public markets but serve as a digital proof-of-reserve.
Is gold-backed finance halal?
Yes. Islam permits trade, leasing, or sale of real assets such as gold — provided the transaction terms are fair, delivery is certain, and markup or pricing is declared upfront.
How is gold price fluctuation managed?
Live spot pricing is built into the system via integrated feeds. Contracts are adjusted at point-of-sale to reflect market value, ensuring fair valuation and no future speculation.
What happens if the value of gold drops significantly?
Because all markups and contracts are agreed at the start, value changes post-agreement do not affect the outcome. Reserves remain intact, and usage is based on real delivery, not future gain.
Can I invest directly in your gold reserve?
No. NUBL GOLD is not a gold investment product or vaulting service. Our gold is used solely as a reserve asset to back finance flows. Investors support infrastructure, not commodities trading.
Contracts & Legal Structure
This section explains the specific Islamic contracts used in the NUBL GOLD system and how they are legally enforceable.
What are Islamic financial contracts?
Islamic contracts are financial agreements structured in accordance with Shariah (Islamic law). They avoid interest (riba), excessive uncertainty (gharar), and unethical industries, instead favouring real assets, shared risk, and fair pricing.
What is Murabaha (مُرَابَحَة)?
Murabaha is a cost-plus sale contract. The financier purchases a good and sells it to the buyer at an agreed markup. Payment is deferred, but no interest is charged. The buyer knows the cost and profit from the outset.
What is Ijara (إِجَارَة)?
Ijara is a leasing contract. The financier retains ownership of an asset (e.g., equipment or vehicle) and leases it to the customer. Ownership may transfer at the end via an Ijara Muntahia Bittamleek structure (lease-to-own).
What is Salam (سَلَم)?
Salam is an advance purchase contract. The buyer pays in full today for goods delivered in the future. It’s useful in agriculture or manufacturing where production is not yet complete but funding is needed upfront.
What is Wakalah (وَكَالَة)?
Wakalah means “agency.” In finance, it allows an institution (agent) to invest or manage money on behalf of a principal (client), with or without a fixed agency fee. This model is often used in Islamic microfinance.
What is Istisna’a (اِسْتِصْنَاع)?
Istisna’a is a contract for custom-manufactured goods (e.g., construction). Payment can be staggered over time. It’s ideal for property finance or infrastructure projects and is currently part of our roadmap, not live.
Are these contracts legally binding in the UK or UAE?
Yes. NUBL GOLD generates dual-compliant contracts: Shariah-aligned and legally enforceable under the civil or common law systems of each country.
Are contracts generated automatically?
Yes. Our platform uses a smart contract engine to generate Murabaha, Ijara, or Salam agreements dynamically — based on transaction type, user location, and asset class.
Can institutions customise contracts?
Yes. Institutional partners may request branded or jurisdiction-specific versions of each contract, including bilingual formats (e.g., English–Arabic).
What is AAOIFI and why does it matter?
AAOIFI stands for the Accounting and Auditing Organization for Islamic Financial Institutions. It sets international Shariah standards. NUBL GOLD aligns with AAOIFI guidelines to ensure global compliance credibility.
What is a Fatwa in this context?
A Fatwa is a formal legal opinion issued by a qualified Islamic scholar on the permissibility of a financial contract. NUBL GOLD seeks endorsement via Fatwas for each contract type it generates.
How do you prevent misuse or unethical contract terms?
Each contract is pre-validated by our AI logic layer, which checks for Shariah compliance, asset validity, fair pricing, and lawful purpose.
Institutional Partnerships
This section outlines how institutions can partner with NUBL GOLD to deploy Shariah-compliant financial products.
What types of institutions can partner with NUBL GOLD?
Banks, microfinance institutions, fintechs, regulators, and investment funds can partner to offer gold-backed, Shariah-compliant products.
What are the benefits of partnering with NUBL?
Partners gain access to compliant infrastructure, gold reserves, automated contracts, and global market reach without building their own systems.
How does onboarding work for partners?
Partners receive API docs, sandbox access, and dedicated support. Onboarding includes compliance mapping, technical integration, and training.
Can partners white-label the platform?
Yes. NUBL GOLD can be white-labeled, allowing partners to maintain their branding and customer relationships.
What fees are involved in partnerships?
Fees include licensing, usage, and revenue-sharing models, tailored to the partner’s scale and deployment scope. Contact us for details.
Can partners influence platform features?
Yes. Partners can suggest features, co-develop modules, and vote on roadmap priorities during quarterly reviews.
What support do partners receive post-launch?
Partners get ongoing technical support, compliance updates, and access to new features via dedicated account managers.
Can partners operate in multiple countries?
Yes. NUBL supports multi-jurisdictional deployments with localized contracts, languages, and compliance.
How does NUBL ensure partner data security?
Partner data is encrypted (AES-256, TLS 1.2+), with role-based access, audit logs, and compliance with GDPR and local data laws.
What if a partner needs custom integrations?
NUBL offers custom API endpoints and plug-in libraries for core banking systems, CRMs, and fintech sandboxes.
Are there exclusivity terms for partners?
No. Partners can work with other platforms, but NUBL GOLD’s unique gold-backed model offers distinct advantages.
How do we start a partnership?
Contact our team or book a demo to discuss partnership terms and onboarding.
Risk, Governance & Transparency
This section explores how NUBL GOLD manages financial, operational, Shariah, and reputational risks.
What are the primary risks NUBL GOLD is designed to avoid?
NUBL GOLD mitigates interest rate volatility, unsecured debt issuance, fiat currency devaluation, and counterparty uncertainty with fixed markup contracts, real-asset linkage, and transparency.
How is gold reserve risk managed?
All gold is held in independent, insured vaults and audited by external parties. Transactions are limited by available reserves, and tokenisation prevents over-issuance.
What happens if gold prices collapse or surge?
Because each contract is locked to a gold value at issuance, post-contract price movements have no impact. Markups are fixed, absorbing fluctuation risk at sale.
What about default risk on repayments?
Repayment structures use pre-approved gold-backed logic, early-warning alerts, staging disbursement, AI-led scoring, and transparency. Takaful overlays are planned.
Is there platform failure risk?
NUBL GOLD is hosted on secure, redundant infrastructure (DigitalOcean, AWS backups) with encrypted logs, real-time alerts, and 24/7 monitoring.
Who oversees Shariah governance?
Internal AI-driven rules validate transactions. External scholars and a Shariah Governance Committee (post-launch) provide oversight, with logged contract decisions.
Can institutions audit their own usage?
Yes. Every contract, gold allocation, markup calculation, and repayment schedule is visible via dashboards, with exportable audit logs.
What regulatory governance do you align to?
NUBL GOLD aligns with UK FCA principles (KYC, AML, data security) and AAOIFI Islamic finance standards, with enforceable contracts.
Is there a risk of misuse or money laundering?
Onboarding includes KYC, transaction purpose filtering, and risk scoring. Unclear or unethical use cases are rejected, with detailed partner flows.
What internal governance structures do you have?
Our framework includes Founder Oversight, Shariah Audit Board (in development), Compliance Liaison Roles, Technical Review Committees, and advisory boards.
How are conflicts of interest handled?
NUBL GOLD has strict separation between operators, reserve providers, and profit recipients to prevent economic conflicts.
How does NUBL GOLD demonstrate transparency?
We publish gold reserve logs, provide contract previews, and offer third-party audit integration. All markups, risks, and terms are declared upfront.
International Deployment
NUBL GOLD is designed for global rollout, adapting to legal, language, and cultural requirements.
Is NUBL GOLD live in any country?
Not yet. The UK build is complete, and UAE, Saudi Arabia, and Qatar have deployment frameworks, pending partner onboarding and regulatory coordination.
Which countries are fully scoped and prepared?
Four markets are ready: UK (FCA-aligned), UAE (ADGM/DFSA scoped), Saudi Arabia (SAMA-aligned), and Qatar (QCB-aligned).
Can NUBL operate in non-Muslim-majority countries?
Yes. The platform is value-based, serving any region seeking ethical, asset-backed finance, including Europe, Africa, and Asia.
Is localisation only about language?
No. Localisation includes legal enforceability, Shariah interpretation, currency adaptation, data sovereignty, user flows, and banking APIs.
What about differing Islamic schools of thought (mazhab)?
NUBL GOLD supports toggles for Hanafi, Maliki, Shafi’i, and Hanbali interpretations, working with regional scholars.
What language versions are supported?
English, Arabic, French, Urdu, and Bahasa Indonesia, with plans for Turkish, Swahili, and Bangla. Contracts can be bilingual.
Do you require local licensing?
Yes. We work with legal counsel to meet EMI, PI, or Islamic finance license requirements, or partner with licensed entities.
What if a regulator has specific Shariah board requirements?
We integrate with local advisory councils, allowing pre-review of contracts and updates for jurisdictional preferences.
Is your infrastructure compliant with data localisation laws?
Yes. NUBL GOLD uses flexible hosting (DigitalOcean, AWS regional zones) to meet data residency rules with encryption.
What is the first country you're launching in?
The UK, serving as our base for licensing, testing, and investor onboarding, with the Middle East as the strategic focus.
Can institutions in other countries explore partnerships?
Absolutely. We are open to scoping new markets and can deploy to any region where legal and Shariah requirements can be satisfied.
How do we initiate a country deployment process?
Contact our team to request the regional deployment pack. We will walk you through our localisation checklist, partnership framework, and onboarding timeline.
Data Security & System Integrity
This section explains how NUBL GOLD ensures data security, user privacy, API protection, and system reliability.
Where is NUBL GOLD hosted?
The platform is hosted on DigitalOcean with backups and redundancy layers through AWS, providing regional zoning, high uptime, and disaster recovery.
Is data encrypted?
Yes. All user, contract, and reserve data is encrypted at rest (AES-256) and in transit (TLS 1.2+), following fintech-grade encryption standards.
Who owns user data?
Institutional partners retain ownership of user data under local data protection laws. NUBL acts as a processor, not controller, unless specified.
What is your compliance posture on GDPR?
We are fully GDPR-compliant.喧
Users may request data access, rectification, or deletion. We maintain audit trails of consent and role-based access.
Are audit logs available to institutions?
Yes. Every transaction, contract generation, reserve movement, and approval action is logged and exportable in JSON, CSV, or human-readable formats.
Are APIs rate-limited and secure?
Yes. APIs use key-based authentication, IP whitelisting, rate-limiting, and call expiration protocols. Sensitive endpoints require 2FA or rotating credentials.
How do you prevent tampering or system manipulation?
All logic is server-validated. We maintain hash-verified contract chains, gold reserve ledgers, and transaction origin verification to block injection or overrides.
Is there a security audit trail?
Yes. Every admin action, failed login, privilege escalation, and API error is logged in an immutable security log with real-time alerts for suspicious activity.
What happens if a breach is detected?
We follow strict protocols: instant user lockdown, audit log verification, regulator notification (as required), and contract snapshot review to restore records.
What cloud infrastructure protections are in place?
We use containerised deployment, access firewalls, WAFs, anti-DDoS throttling, and third-party vulnerability scanning. Infrastructure is updated against known exploits.
Do you use biometric or MFA logins?
Optional. Partners can require 2FA, biometric access, or institution-only login IPs. Our platform supports device-bound MFA, SMS verification, and SSO.
Are there third-party security reviews?
Yes. Production environments are penetration-tested and reviewed annually by independent specialists, with reports available to licensed partners.
Platform Roadmap
This section outlines the development phases of NUBL GOLD, including current status, milestones, and future features.
When was NUBL GOLD first conceptualised?
The idea originated in 2023 as a response to global demand for ethical, asset-backed, interest-free finance. Prototyping occurred throughout 2024.
What is the current status of the platform?
As of 2025, the UK platform is in pre-launch staging, with compliance, contract, and infrastructure modules built and tested, awaiting institutional onboarding.
What are the key completed milestones?
✔️ Platform architecture
✔️ Gold reserve API
✔️ Shariah contract engine
✔️ Compliance audit logic
✔️ UK and UAE infrastructure
✔️ Sandbox integration
✔️ Gold reserve API
✔️ Shariah contract engine
✔️ Compliance audit logic
✔️ UK and UAE infrastructure
✔️ Sandbox integration
What’s included in the MVP?
The MVP includes gold reserve logic, contract engine (Murabaha, Ijara, Salam), compliance layer (GDPR + AAOIFI), multilingual UI, and onboarding tools.
What’s in Build 2?
Build 2 includes automated risk scoring, AI-powered contract generation, Takaful overlays, microfinance support, multi-asset integration, and white-label branding.
Will you integrate with banks?
Yes. Build 2.0 includes secure API integrations with core banking systems, Islamic finance CRMs, and fintech sandboxes via plug-in libraries.
What AI features are planned?
AI roadmap includes dynamic Shariah contract validation, smart risk scoring (e.g., Gabriel & Freya agents), automated document explanations, and payment nudging.
Will you support other assets besides gold?
Yes. Build 2.0 will explore silver and other Shariah-compliant commodities as reserve assets, subject to scholar approval and market stability.
What’s the timeline for public launch?
Public-facing features are slated for Q3 2025 in the UK, with UAE and KSA rollouts planned for Q4 2025, pending regulatory approvals.
Will there be a mobile app?
Yes. A partner-facing mobile app for iOS and Android is planned for Build 2.0, offering dashboards, contract previews, and real-time alerts.
How will partners influence the roadmap?
Partners can propose features, vote on priorities, and co-fund modules during quarterly roadmap reviews, ensuring alignment with market needs.
How can I stay updated on progress?
Join our newsletter or book a demo for exclusive roadmap updates and early access to new features.
User Experience & Support
This section details the user experience and support features for partners and end-users of NUBL GOLD.
What platforms will NUBL GOLD be available on?
NUBL GOLD is accessible via web browsers, with iOS and Android apps planned for Build 2.0, offering seamless access for partners and end-users.
Is the platform user-friendly for non-technical users?
Yes. The interface is intuitive, with guided onboarding, tooltips, and multilingual support to ensure ease of use for all users.
What languages are supported for end-users?
English, Arabic, French, Urdu, and Bahasa Indonesia are live, with Turkish, Swahili, and Bangla planned for future releases.
How is accessibility ensured?
The platform adheres to WCAG 2.1 standards, offering screen reader support, high-contrast modes, and keyboard navigation for accessibility.
What kind of support is available for partners?
Partners receive dedicated account managers, 24/7 technical support, and access to a knowledge base with FAQs and tutorials.
Is there end-user support?
End-users can access support via live chat, email, or phone through their partner institution, with a chatbot for common queries.
How are user issues resolved?
Issues are tracked via a ticketing system, with escalation to technical teams for complex problems, ensuring timely resolution.
Will there be training for partners?
Yes. Partners receive onboarding training, webinars, and documentation to maximize platform usage and compliance.
Can partners customize the user interface?
Yes. Partners can white-label the UI, adjusting colors, logos, and layouts to match their branding.
What onboarding support is provided?
Onboarding includes API integration guides, sandbox testing, and live support to ensure smooth setup for partners.
Are there analytics for user engagement?
Partners receive dashboards with usage metrics, transaction trends, and user feedback to optimize engagement.
Get Started with NUBL GOLD
Ready to explore Shariah-compliant, gold-backed finance? Connect with our team to see NUBL GOLD in action.