Turn an informal, risky gold savings habit into a fractional, verifiable, redeemable claim.
01.
Save below a gram. The ERC-20 Token module represents each deposit as a fractional claim on allocated gold, so a user can save any small amount.
02.
Remove counterparty risk. Each fractional claim is backed by allocated gold, anchored so a saver can verify their holding rather than trust an informal operator.
03.
Bank the unbanked. The Wallet Authentication module gives a user a wallet without a bank account, so they can save from a basic phone.
04.
Keep it liquid. A saver redeems their fractional gold at any time for cash or physical delivery, without a lock-in or a scheme maturity.
05.
Lower the barrier. The KYC and Identity Verification module tiers onboarding, so small savers can start with light verification and grow as balances rise.
06.
Show the accumulation. Each saver sees their accumulated gram-equivalent holding in real time, giving full transparency over their savings.
Follow a small saver from a first micro-deposit to a verifiable holding and an anytime redemption.
09:30:00
[SYS] Onboarding saver with wallet...
09:30:01
[CMD] createWallet { tier: "LIGHT_KYC" }
09:30:01
[AUTH] Verifying tiered identity...
09:30:02
[OK] Saver wallet SAV_7781 created.
Cerulea decomposes gold micro-savings into modular contracts. Each layer onboards a wallet, mints a backed claim, verifies the holding, and redeems without counterparty risk.
Backed micro-savings is a horizontal capability. Here is how different actors put a fractional gold claim to work.
Offer a compliant micro-savings product backed by allocated gold, turning an informal cultural habit into a transparent instrument free of counterparty risk.
Key Asset Types
Save any small amount as verified fractional gold from a basic phone and redeem anytime, gaining a familiar, trusted savings instrument.
Key Asset Types
Verify that every fractional claim is backed by allocated gold, replacing opaque informal schemes with a fully auditable savings pool.
Key Asset Types
Whether you are bridging a gold custodian's system or serving savers from a basic phone, Cerulea routes both into one backed savings record.
For gold custodians on legacy systems. Allocation and reserve data is translated into signed on-chain backing records through the API gateway automatically.
Custodian System
Gold Vault Platform
Cerulea API Gateway
Backing Signing
Cerulea Private Chain
Micro-Savings Ledger
For savers on basic phones. A lightweight wallet signs each deposit and redemption and routes it directly to the savings contract.
Saver Wallet
Basic Mobile Device
Savings Validators
Backing Consensus
Cerulea Ledger
Backed Savings Record
Building a micro-savings product with fractional gold claims, verified backing, wallet onboarding, and anytime redemption from scratch requires savings platform engineers and long custodian integration. Calculate your exact deployment speed using Cerulea.
Traditional Deployment
Solidity Coding & Audits
~ 11 Months
Visual Compilation
WASM Logical Artifacts
~ 4 Weeks
The legacy timeline reflects savings platform integration benchmarks. Building fractional gold claims, verified backing, wallet onboarding, and anytime redemption for an average product takes a baseline of 7 months. Building the same architecture on Cerulea takes a baseline of 2 weeks, because Cerulea Studio visually translates your savings and backing rules into pre-audited WebAssembly binaries and provisions the micro-savings ledger and redemption layer instantly.