Become a Founding MemberJoin

Invest in Gold.
Borrow Against it.
Earn more when you spend.

Easily access credit against your gold without selling it — and earn more gold through everyday card spending. Parroli connects allocated physical gold ownership, gold-backed borrowing and everyday Gold Rewards in one relationship.

01Invest in gold
→
02Gold backs credit
→
03Swipes earn gold

Swipes earn gold. Gold backs credit.

Say Parroli to ordinary credit.

A Parroli customer — I am a Gold Owner
01Invest & Own

Invest in allocated physical gold.

Invest in gold without the hassle. No choosing between bars or coins, grams or ounces. Simply decide how much you want to invest — we take care of the rest. You own an allocated share of physical gold, securely stored and insured at a COMEX-approved vault. We buy directly from the wholesale market to bring you competitive prices.

Every purchase is added to your gold holdings and documented in your Ownership Certificate, confirming how much gold you own. Start with an amount that works for you and build your holdings over time, with the potential to benefit from rising gold prices.

Want to hold your gold in your hands? You can request physical delivery of your eligible holdings. Delivery fees apply.

02Borrow

Borrow against your gold.

Your gold is your collateral. Access a credit line of up to 65% of its current eligible value. For example, $10,000 of your gold could give you access to a credit line of up to $6,500 — while you keep ownership of your gold.

Gold balance$10,000
→
Credit line · up to 65%~$6,500
→
Available creditUsable with your Parroli Card

~7.99% – ~9.99%current target APR

03Earn

Earn gold on everyday spend.

Rewards are credited in gold, reinforcing ownership with everyday use — every swipe adds to the gold you own.

1%Standard ParroliGold Rewards on eligible card spend.
2–5%Parroli Membershipon the first $25,000 of eligible annual spend.
04Two Entry Paths

Choose how to start.

Box 1

Start with Gold

Own gold. Unlock lower-rate credit.

  • Buy physical gold through Parroli.
  • Access a credit line of up to 65% of your eligible gold’s value.
  • Get your Parroli card with a target APR of 7.99%–9.99%, backed by your gold.
  • Earn 1%–5% back in gold on eligible purchases from day one.
Box 2

Start with the Card

Earn gold now. Add gold when you’re ready.

  • Apply for a Parroli card — no gold purchase required.
  • Get a credit line based on your credit profile and underwriting, with an APR of 20%+.
  • Earn 1%–5% back in gold on eligible purchases from day one.
  • Buy gold through Parroli when you’re ready to qualify for gold-backed credit at a lower APR.
Both lead to

The same Parroli card

Same benefits. Same Gold Rewards. Same Parroli experience.

05Card Tiers

Your gold ownership. Made visible.

Four planned card tiers, with distinctive designs and materials that reflect your gold ownership. Each ownership tier has its own card design — with status based on your gold holdings, rather than spending or membership fees.

Parroli
Gold
Black
Midas

More than a card. A statement of ownership.

Full tier details will be announced before launch.

06Ownership & Trust

Real gold. Documented and redeemable.

Every completed investment is linked to allocated physical gold and an Ownership Certificate — real ownership you can document and redeem.

Gold investment→ Allocated holding→ Certificate→ Custody record→ Redemption
Allocated & customer-owned
Held with the custodian in your name, not pooled.
Ownership Certificate
Each investment is linked to your custody record.
2% annual Storage & Ownership Fee
Billed quarterly; covers storage, ownership administration and redemption.
Redemption within 28 days
After a valid request. Holdings under 1 g are settled in cash.
07See Parroli in Action

Your gold. Your credit. One view.

See the gold you own, current value, card activity and Gold Rewards in one place.

Swipes earn gold. Gold backs credit.

15-second explainer
0–3sInvest in goldAllocated physical gold appears in the vault.
3–7sGold backs creditGold balance transforms into available credit.
7–11sSwipes earn goldCard swipe adds Gold Rewards to owned balance.
11–15sParroliSay no to ordinary credit. Join the Founding Member Program.
Join the Founding Member Program — Enter the waitlist