Frequently Asked Questions
- Gold-Backed Loans
- Custody, Vaulting & Insurance
- Digital Gold & Tokenisation Services
- Gold-Backed Credit Card
A gold-backed loan allows you to unlock cash using your gold as collateral without selling it. On Dhahaby, your gold is appraised by certified jewellers, securely stored in insured vaults, and linked to a transparent loan offer from a licensed finance partner. Once approved, funds are disbursed quickly while you retain ownership of your gold.
Loan amounts depend on gold purity, weight, and live market prices. Dhahaby typically enables loan-to-value ratios of up to 75%, ensuring borrowers receive competitive liquidity while maintaining a safety buffer against gold price volatility.
No. One of the core advantages of a gold-backed loan through Dhahaby is that you do not sell your gold. Your asset is securely stored and fully insured, and it is returned to you once the loan is repaid according to the agreed terms.
Valuation is based on live market prices at the time of appraisal. Depending on the finance partner and loan structure, periodic re-evaluation may occur if gold prices fluctuate significantly. Dhahaby’s transparency ensures you are informed clearly if margin top-ups or adjustments are ever required.
Once appraisal, compliance checks, and acceptance are completed, approved loans can be disbursed within minutes to hours, not days. Dhahaby’s digital workflows eliminate paperwork delays common with traditional gold lenders.
Yes. Dhahaby is designed to support Sharia-compliant financing structures, working only with partners that follow Islamic finance principles such as asset-backing, transparency, and avoidance of riba-based ambiguity.
Dhahaby supports a wide range of gold assets, including jewellery, bars, and coins, subject to purity and condition checks. Accepted formats are clearly defined during the appraisal process to avoid uncertainty.
Gold pledged through Dhahaby is stored in professionally managed, insured vaults operated by approved custody partners. These facilities meet international security and audit standards.
Yes. All assets stored through Dhahaby’s custody partners are fully insured for theft, damage, and loss throughout the loan period, providing peace of mind to borrowers.
Dhahaby provides digital tracking and status updates, allowing borrowers to see where their asset is in the custody lifecycle—from appraisal to storage to release.
ustody and insurance partners assume responsibility under regulated agreements. Dhahaby ensures that liability, coverage limits, and protections are clearly defined and transparent.
Yes. Secure custody is essential to protect both borrowers and lenders. It ensures that assets are safely held, properly insured, and verifiable throughout the loan term.
Currently, custody is handled through Dhahaby-approved partners to maintain consistent security, insurance, and compliance standards across all loans.
Each asset is documented with appraisal reports, images, and digital records. Dhahaby also supports immutable transaction records, ensuring proof of ownership and custody integrity.
Digital gold represents ownership of physical gold in a digital format, allowing easier management, valuation, and financing without compromising asset backing.
Yes. Dhahaby’s digital gold framework is designed to be fully backed by physical gold held in insured custody, ensuring real-world value at all times.
Digital gold improves liquidity, traceability, and flexibility. It enables faster financing, easier transfers, and future integration with advanced financial products.
Yes. Digital gold is designed specifically to support faster, more efficient collateralised lending, reducing friction in appraisal and verification.
Dhahaby’s tokenisation roadmap is built with regulatory engagement in mind, including sandbox participation and compliance with regional financial authorities.
Yes. Digital gold is intended to remain redeemable into physical gold under defined conditions, preserving true asset ownership.
No. Dhahaby uses blockchain selectively to ensure immutability and auditability, while sensitive personal and financial data remains private and protected.
A gold-backed credit card allows spending against a credit line secured by gold, rather than unsecured borrowing. Your gold acts as collateral, reducing risk and cost.
Unlike traditional credit cards with high interest rates, a gold-backed card is asset-secured, enabling more transparent pricing and potentially fairer terms.
No. Your gold remains yours and is securely held in custody while supporting your credit limit.
Credit limits are based on the value of your pledged gold and the agreed loan-to-value ratio, ensuring responsible borrowing.
Dhahaby’s gold-backed card is being designed with Sharia-compliant structures in mind, subject to partner and regulatory approval.
Yes. Repayments restore available credit, offering flexible liquidity without repeated loan applications.
No. Dhahaby’s platform philosophy mandates upfront disclosure of all fees and terms.
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Dhahaby is a technology-driven fintech platform designed to modernise gold-backed and asset-backed financing across the GCC. Rather than acting as a lender, Dhahaby provides the secure digital infrastructure that enables licensed and regulated financial partners to offer transparent, Sharia-compliant loans backed by physical and digital gold. By combining certified appraisal, insured custody, real-time valuation, and clear pricing, Dhahaby removes the uncertainty, hidden fees, and friction traditionally associated with gold-based borrowing.
At the core of Dhahaby’s service is the principle that valuable assets should create liquidity without forcing distress sales. Customers can unlock cash against their gold, jewellery, or eligible luxury assets while retaining ownership, with their assets securely stored in insured vaults and tracked digitally throughout the loan lifecycle. Loan terms, costs, and repayment options are presented upfront, allowing borrowers to make informed decisions with confidence. This approach benefits both borrowers and lenders by reducing risk, improving trust, and enabling fairer financing outcomes.
Looking ahead, Dhahaby is building a future-ready asset financing ecosystem that goes beyond traditional gold loans. With upcoming services such as digital gold, tokenisation, and gold-backed credit products, the platform aims to make asset-backed liquidity more flexible, efficient, and accessible across the region. By working closely with regulators, custody providers, and licensed finance institutions, Dhahaby positions itself as a trusted bridge between real-world assets and modern financial services in the GCC.
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