Gold Evolution
SGD / gram
S$—
Regulated Dealer under Ministry of Law
Save in Physical Gold
From Just S$50
Shariah-aligned · 999.9 fine gold · No leverage.
Start small, be consistent, grow steadily.
✓ Singapore-based gold savings platform
✓ No leveraged trading / no forex
✓ Physical gold backed
💰
Save from S$50
Start with as little as S$50 via PayNow. Gold allocated to your name immediately upon confirmation.
📦
Physical Gold Bars
Buy 2.5g, 5g, 10g and more at live gold prices. Delivered securely or available for collection.
🔄
Sell Back Anytime
Sell conveniently via the platform. Proceeds transferred within 2 business days.
Gold Evolution Pte Ltd
Regulated Dealer under Ministry of Law · UEN 202443296N
Gold Evolution is a Singapore-based gold savings platform offering fractional physical gold aligned with Shariah values. We believe everyone deserves access to the world's most trusted store of value — no matter how small you start.
Every gram of gold is individually allocated to your name, backed by physical 999.9 fine LBMA-approved gold, and redeemable at any time.
Chief
Nazrul
Gold Evolution Pte Ltd
"I spent 15 years working hard and still struggled to build real savings. Gold changed that for me — and I want it to change that for our community too."
Like many in our community, I spent over 15 years as a full-time employee giving my best at work every single day — yet my savings never seemed to grow. It was not until I discovered gold savings that things began to shift. Saving in gold forced a discipline in me that a regular bank account never could. Slowly, my financial habits changed, and for the first time, I felt my wealth genuinely growing.
That personal experience opened my eyes to a much bigger reality: many in our community lack the knowledge and exposure to proper savings habits — let alone how accessible gold savings can be. You do not need a large capital to start. You just need the right platform and the right guidance.
Gold is not a speculation — it is an asset that has preserved wealth for thousands of years. Unlike money sitting in a savings account losing value to inflation, gold holds its worth and often grows. For our community especially, it aligns with the Islamic principle of preserving what you have earned.
🌱
Our Vision
Gold Evolution is our step into entrepreneurship — but more than a business, it is a mission. We want to change lives, and then watch those lives change more lives. A chain effect of financial empowerment, starting right here in Singapore.
🏛️
Regulated & Compliant
Registered Regulated Dealer under Ministry of Law Singapore (PSPM Act 2019)
🕌
Aligned with Shariah Values
With an Ustaz onboard, we strive to ensure we are aligned with Shariah rulings for the business model.
🔒
100% Physically Backed
Every gram you purchased is backed by LBMA physical gold. You own part of the physical gold.
📍
Singapore Based
60 Paya Lebar Road #06-28, Singapore 409051
Select a service to learn more.
💰
Gold Savings Plan
Save from as little as S$50 via PayNow. Gold is allocated to your name immediately upon payment confirmation. Watch your balance grow gram by gram at live gold prices.
• Min. S$50 · PayNow · Instant Allocation
📦
Physical Gold Bar Purchase
Buy physical gold bars (2.5g, 5g, 10g and more) at live market prices. Delivered securely to your door or available for collection at our office.
• Available: 2.5g, 5g, 10g bars & more · Live pricing · 3–5 business days delivery
🔄
Gold Buyback
Sell your gold back anytime via the platform. No lock-in period. Proceeds transferred to your bank account within 2 business days.
• Sell via the platform · Payout within 2 business days
Physical Gold Bars
999.9 fine gold bars from LBMA-approved refiners, at today's live prices. Browse freely — create a free account to purchase (a quick ID check is required to buy).
What our customers are saying.
★★★★★
"Simple and transparent. I started with S$50 and now I have over 2g allocated to my name. The process is seamless and the team responds quickly on WhatsApp."
Ahmad R. · Singapore
★★★★★
"Finally a halal way to invest in gold. No riba, physical gold in my name, and I can redeem anytime. Highly recommended for Muslim investors."
Nurul H. · Singapore
★★★★★
"I bought a 1g gold bar as a gift for my son. Delivery was prompt and the bar came beautifully packaged. Will definitely buy more."
David T. · Singapore
Share Your Experience
Thank you for your feedback. Matters a lot!
📖
↗
New here? Read the Sign-Up Guide
A step-by-step walkthrough of registration, KYC, and your first purchase. Opens in a new tab — you can also save or print it as a PDF.
How long does it take to receive payment after I sell my gold?
+
Once your sell (buyback) request is approved, we aim to pay out on the same day, and always within a maximum of 2 business days. Your payout goes to the bank / PayNow details saved in your profile — so please make sure those are up to date before you sell.
What is a gold spread, and why is there one?
+
The spread is the small difference between the price to buy gold and the price to sell it back. It's a normal feature of dealing in physical gold and is standard across the industry.
In short, it reflects the real-world costs of holding physical gold securely on your behalf — so that every gram remains genuinely backed. It also lets us keep pricing simple and transparent, with no hidden fees: the buy and sell-back prices are always shown to you up front, before you confirm anything.
Built for the long term. Because Gold Evolution is designed for long-term saving, the spread is a one-time consideration that matters less the longer you hold, as your gold grows with the gold price. 📈
Why gold, and not stocks, ETFs or REITs?
+
It's not really gold instead of them — it's gold alongside them. They do different jobs. Stocks, ETFs and REITs are geared towards growth and income; gold is about stability and preserving value.
A few reasons people hold physical gold as part of a balanced plan:
1
A store of value. Gold isn't tied to any company's performance or debt, and has held its purchasing power over the very long term.
2
A cushion for the rest of your savings. Gold often holds steady when markets are shaky, so it can balance out a portfolio.
3
Simple from a Shariah lens. Physical gold is a real, tangible asset with straightforward ownership and no interest (riba). Stocks and REITs need ongoing Shariah screening and can drift out of compliance, and many conventional REITs use interest-based financing. (A gold ETF is only a paper claim — with us the gold is physical, 999.9, and allocated in your name.)
4
Easy to start. No need to study companies or time the market — begin from just S$50 and build steadily.
Being fair: gold pays no dividend or rental income, so it's a wealth preserver rather than a yield generator. Many people hold both — growth assets to build, and gold for stability. We're simply the easy, Shariah-aligned way to hold the gold part.
This is general information, not financial advice — everyone's situation is different, so please decide what's right for you.
I've saved for 12 months — what should I do next?
+
That's entirely up to you — there's no lock-in, no maturity date, and your gold never expires. You have three options, and you can even mix them:
- Keep saving — leave your gold where it is (fully backed and allocated to you) and keep building. Many customers treat it as a long-term store of value.
- Take physical delivery — convert your accumulated grams into a physical gold bar, delivered to you or collected at our office.
- Sell back for cash — sell any or all of your grams at the current buyback price, paid to your registered bank account (same day where possible, max 2 business days).
There's no single "right" answer — it depends on your goal. Saving for the long term? Keep going. Want the bar in your hands? Convert it. Need the cash? Sell. You're free to do a bit of each.
Is Gold Evolution aligned with Shariah values?
+
Important Disclaimer: Gold Evolution is not yet Shariah certified by a formal Shariah supervisory board. However, we are deeply committed to operating our business model as closely as possible to Shariah principles, with ongoing guidance from an Ustaz. We are actively working towards obtaining formal Shariah certification.
Yes. We have designed Gold Evolution to be as closely aligned with Shariah values as possible — no riba (interest), no paper gold, no derivatives, no leverage. All gold is physical 999.9 fine gold, individually allocated to your name (qabdh) upon payment confirmation, with reference to the principles of AAOIFI Shariah Standard No. 57.
What Shariah principles does Gold Evolution aim to follow?
+
Disclaimer: We are not yet Shariah certified. The standards below represent the principles we strive to uphold and operate as closely as possible to.
1. AAOIFI Shariah Standard No. 57 — Gold & its Contemporary Applications
The Accounting and Auditing Organisation for Islamic Financial Institutions (AAOIFI) standard governing the buying, selling, and saving of gold. We aim to follow its requirements for physical ownership, immediate exchange, and prohibition of paper gold or gold-backed derivatives. [aaoifi.com ↗]
2. OIC Fiqh Academy Resolutions on Gold Trading
Rulings from the International Islamic Fiqh Academy (IIFA) confirm that gold must be traded on a spot basis (hand-to-hand / yad bi yad). All purchases on Gold Evolution result in immediate allocation — no deferred delivery or futures contracts. [iifa-aifi.org ↗]
3. Qabdh (Constructive Possession)
Upon payment confirmation, your gold grams are immediately allocated to your account — satisfying the requirement of qabdh before you have full rights over the gold. The Prophet ﷺ said: "Do not sell what you do not have." Physical delivery or sell-back is available at any time. [Abu Dawud 3503 ↗]
4. No Riba (Interest)
We charge no financing fees, no interest on balances, and no borrowing against your gold. Allah says: "Allah has permitted trade and forbidden interest." All transactions are straightforward cash-for-gold exchanges.
[Quran 2:275 ↗]
[Quran 2:278–279 ↗]
[Quran 3:130 ↗]
5. No Gharar (Excessive Uncertainty)
Pricing is transparent and based on live international spot rates. The Prophet ﷺ "forbade transactions involving gharar (uncertainty)." You see the exact gram price and total before confirming any order — no hidden charges or ambiguous structures. [Muslim 1513 ↗]
6. No Maysir (Speculation / Gambling)
Gold Evolution does not offer leveraged trading, margin accounts, or any speculative gold products. Allah says: "O believers! Intoxicants, gambling... are abominations... so avoid them." Every gram you purchase is backed by real physical gold. [Quran 5:90 ↗]
7. Bay' al-Sarf (Rules for Trading in Monetary Commodities)
As gold is a ribawi commodity, it must be exchanged hand-to-hand (yad bi yad) with no deferment. The Prophet ﷺ said: "Gold for gold, weight by weight, equal for equal — hand to hand. If the types differ, sell as you wish, so long as it is hand to hand." Our platform allocates gold only after payment is received and verified. [Muslim 1587 ↗]
8. 999.9 Fine Physical Gold Only
We deal exclusively in 999.9 purity (24-karat) physical gold bars from LBMA-approved refiners. No synthetic gold, no ETFs, no paper certificates — only real, tangible gold. This ensures the exchange involves a known, defined commodity as required in Shariah for valid bay' (sale).
9. Individual Allocation
Your gold is tracked individually under your name — it is not pooled or co-mingled without traceability. This upholds the Shariah requirement that ownership (milkiyyah) must be clearly defined and attributable to the buyer, consistent with the qabdh principle above.
We are committed to pursuing formal Shariah certification and will announce it to all customers when achieved. For Shariah enquiries, please contact us at hello@goldevolutionsg.com.
How do I know my gold won't be given to someone else?
+
Your gold cannot overlap with another customer's because of how our ledger system works:
1
Individual ledger records. Every gram you own is recorded under your name in our secure database. No two customers share the same allocation record.
2
Total customer gold ≤ Physical gold held. We maintain a real-time reconciliation check: the sum of all customer gold allocations must never exceed the total physical gold bars we physically hold. This is our core solvency rule.
3
No new gold is allocated without a physical purchase. We only add gold to our inventory when we physically acquire bars from suppliers. Your allocation is drawn from that physical stock — not created from thin air.
4
Bar-level tracking. Our system assigns your grams to specific bar serial numbers. You can request to know which bar(s) back your allocation at any time.
Think of it like a bank vault: the vault holds 1,000g of gold, and each customer's passbook says exactly how many grams they own. The total of all passbooks cannot exceed 1,000g — that is how we guarantee no overlap.
What is the minimum savings amount?
+
You can start saving from just S$50, paying by debit card or PayNow. Each deposit adds fractional grams to your gold balance, which you can track in real-time on your dashboard.
Can I withdraw my gold physically?
+
Yes. Once your savings reach a full bar milestone (1g, 5g, 10g, or 100g), you can request physical delivery or collection. Alternatively, sell conveniently via the platform at any time.
Is Gold Evolution regulated?
+
Yes. Gold Evolution Pte Ltd is a Registered Regulated Dealer under the Ministry of Law Singapore (PSPM Act), UEN 202443296N. We comply with all applicable AML/CFT regulations.
Where is my gold physically stored?
+
All physical gold is stored at Certis Safe Deposit Box, a trusted secure storage facility in Singapore. Each bar is individually allocated and recorded to your account. Your allocation certificate, accessible in the app, serves as proof of your specific holding.
Can I sell my gold to someone else or on an open market?
+
It depends on what you own. If you have purchased a physical gold bar, it is your property and you are free to sell it to anyone — another dealer, a jeweller, or on any open market. However, the accumulated grams held on this platform (digital allocation) can only be sold back to Gold Evolution. We operate a buyback-only model for digital gold — we are the sole buyer at our posted buyback rate, which is based on the live spot price. The buyback rate is always visible in the app before you confirm any sale.
How do I pay?
+
Card payments are debit-card only. Credit cards are declined — this keeps your purchase free from interest-based (riba) financing, in line with our Shariah commitment.
You can pay by debit card or PayNow:
- Debit card — pay instantly online; your gold is allocated automatically once payment succeeds.
- PayNow — scan the QR / pay to UEN 202443296N and upload your proof; our team verifies and allocates your gold, usually within 1 hour.
Monthly savings plans are charged automatically to your debit card each month.
Can I save automatically every month?
+
Yes — set up a monthly savings subscription and we will automatically buy gold for you every month using your debit card. It takes the decision out of saving: no more wondering each month whether to put money aside — it simply happens for you, helping you build your gold steadily and benefit from dollar-cost averaging over time. You can change or cancel anytime from your profile, and billing stops immediately.
How Your Gold Is Allocated — The Qabdh Principle
Tap To Enlarge
Get in Touch
Reach Us
All our operations are currently conducted online.
Rest assured, we will attend to your enquiries as soon as possible.
Registered Address:
60 Paya Lebar Road #06-28
Singapore 409051
Rest assured, we will attend to your enquiries as soon as possible.
Registered Address:
60 Paya Lebar Road #06-28
Singapore 409051
Gold Evolution Pte Ltd
UEN: 202443296N · Regulated Dealer under Ministry of Law
