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Our Solution: NUBL Gold Platform

Our Solution: NUBL Gold Platform

A comprehensive gold-backed financing platform tailored for white-label deployment by banking institutions

Platform Overview

Gold Transaction Engine

Facilitates inherently Shariah-compliant gold transactions with real-time physical gold backing.

  • Real gold ownership tracking
  • Automated markup calculations
  • Shariah-compliant framework

Mobile-First Interface

Modern, intuitive customer experience for both bank staff and end customers.

  • Responsive design across devices
  • AI-enhanced user guidance
  • Multi-language support

Integration Framework

Seamless connectivity with existing banking infrastructure and systems.

  • API-first architecture
  • Core banking system connectors
  • Identity & access management

Gold Transaction Process

1

Bank Purchases Gold

From NUBL Gold partner exchange

2

Customer Agreement

To buy gold at markup

3

Payment Structure

Installments over time

4

Asset Security

Bank secures asset/property

5

Gold Resale

Customer resells to NUBL

6

Fund Utilization

For business purpose

Gold Transaction Flow Diagram

graph LR A[Bank] --1. Purchase Gold--> B[NUBL Gold] A --2. Offer at Markup--> C[Customer] C --3. Payment Plan--> A A --4. Secure Asset--> D[Property/Collateral] C --5. Resell Gold--> B C --6. Use Funds--> E[Business Purpose] style A fill:#4285f4,color:#fff,stroke:#4285f4 style B fill:#d4af37,color:#fff,stroke:#d4af37 style C fill:#34a853,color:#fff,stroke:#34a853 style D fill:#a142f4,color:#fff,stroke:#a142f4 style E fill:#ea4335,color:#fff,stroke:#ea4335

Integration Framework

Bank System Integration Architecture

flowchart TD A[Banking Core System] <--REST API--> B[NUBL Integration Layer] B <--> C[NUBL Gold Platform] C --> D[Gold Transaction Engine] C --> E[Customer Portal] C --> F[Bank Admin Portal] C --> G[Reporting Module] C --> H[Compliance Engine] I[KYC Systems] <--> B J[Payment Systems] <--> B K[CRM Systems] <--> B style B fill:#4285f4,color:#fff,stroke:#4285f4 style C fill:#d4af37,color:#fff,stroke:#d4af37 style D fill:#34a853,color:#fff,stroke:#34a853 style E fill:#a142f4,color:#fff,stroke:#a142f4 style F fill:#ea4335,color:#fff,stroke:#ea4335

Secure API Gateway

OAuth 2.0 and JWT authentication for secure system integration

Event-Driven Architecture

Real-time transaction processing and system synchronization

Data Transformation

Banking system format compatibility with automatic mapping

Mobile-First Experience

Customer Application

  • Transaction Tracking

    Real-time status updates on gold transactions

  • Payment Management

    Installment tracking and automated reminders

  • Documents

    Digital contract management and e-signatures

  • Islamic Finance Education

    AI-powered assistant explaining gold transactions

  • Support Integration

    Direct connection to bank support channels

Bank Admin Dashboard

  • Portfolio Management

    Track all gold-backed transactions in one place

  • Risk Analytics

    Real-time portfolio performance monitoring

  • Workflow Automation

    Streamlined approval and documentation processes

Commercial Property Financing

Active
Transaction ID: GLD-92385
Total Amount
£2,400,000
Next Payment
£20,000
Due Date
15 Aug
45% Complete 60 payments remaining

Gold Transaction Details

Gold-Backed
Initial Gold Purchase 1,230 grams
Purchase Price £2,000,000
Markup £400,000 (20%)
Total Value £2,400,000

Payment Schedule

15 Aug 2023 £20,000 Upcoming
15 Jul 2023 £20,000 Paid
15 Jun 2023 £20,000