Spend against your gold.
Plus earn up to 5% back in gold.
Join the waiting list.
Become one of the 1,000 Founding Members.
- Low target APR under 9%.
- Individually numbered Founding Member card.
- 0% purchase fee on one eligible gold purchase.
- Enter the waitlist. Takes 30 seconds.
people have joined. You can still reach the top 1,000.
Join now and receive your personal referral code. Every friend who signs up and verifies their email moves you higher on the waitlist.
Free to join · US citizens & residents · No purchase required · Rank sets onboarding priority · Membership and credit subject to approval
How the Founding 1,000 works.
Three simple steps. Join, share, and move up. Before launch, the first 1,000 are contacted and onboarded as Founding Members.
Join the waitlist
Enter your email. It’s free, takes 30 seconds, and no purchase is required. You’ll get a confirmation and your spot on the list.
Get your referral code
After you join, we send you a personal referral code. Share it with friends, family, anyone who’d love what we’re building.
Move up the list
Every friend who signs up with your code and verifies their email moves you higher. Ranks shift constantly — so being in the first 1,000 today isn’t guaranteed.
Joining the waitlist does not guarantee product availability, credit approval, or Founding Member access. Membership and credit are subject to eligibility and approval.
Two ways in. One Founding Membership.
Start with gold or start with the card — both unlock the same Founding Member benefits.
Start with Gold
Own gold. Unlock lower-rate credit.
- Buy physical gold.
- Borrow up to 65% of its eligible value.
- Target APR: 8.99%.
Start with the Card
Earn gold now. Add gold when you’re ready.
- Apply without buying gold.
- Credit based on underwriting. Expected APR: 20%+.
- Add gold later to qualify for lower-rate credit.
The same Parroli card
Same benefits. Same Gold Rewards. Same Parroli experience.
Both paths include the same Founding Member rewards: 5% back in gold on your first $3,000 in eligible spending, then 3% for the remainder of your five-year benefit period.
Exclusive for the first 1,000.
More gold from your spending. Less spent on fees. Receive an exclusive Founding Member card with your own unique number.
Borrow against your gold. Spend flexibly. Earn gold rewards that can help offset your borrowing costs.
Parroli U.S. Consumer Research — two Pollfish studies, n=360.
About the Founding 1,000.
Common questions about the program, the waitlist and what Founding Members receive.
What is the Parroli Founding 1,000?
The Founding 1,000 are the first 1,000 members to join Parroli. They receive exclusive benefits including up to 5% back in real gold, an individually numbered Founding Member card, and 0% purchase fee on one eligible gold purchase of $5,000–$20,000.
Do I need to buy gold to join?
No. Joining the waitlist is free and requires no purchase. You can start with the card or start with gold — both paths unlock the same Founding Member benefits.
How does my waitlist rank work?
Your position is based on when you join. You can move up by referring friends — every friend who signs up and verifies their email moves you higher on the waitlist.
Is credit guaranteed when I join?
No. Joining the waitlist does not guarantee product availability, credit approval or Founding Member access. Membership and credit are subject to eligibility and approval.
What are the Gold Rewards?
Founding Members earn up to 5% back in real gold on the first $3,000 of eligible spend, then 3% on remaining eligible spend up to $15,000 per year, for a five-year benefit period.
When does Parroli launch?
Product availability is subject to completion of funding, sponsor-bank, custody and regulatory arrangements. Founding Members are onboarded in rank order as the program goes live.
How does the Founding Member onboarding work?
Before launch, we contact the first 1,000 on the waitlist in rank order. Eligible members are onboarded as Founding Members and receive an individually numbered Founding Member card. Joining the waitlist does not guarantee onboarding, credit approval, or product availability.