IT'S THAT SIMPLE
Every Purchase = Gold
Shop as Usual
Bread for €3.20. Coffee for €4.50. Gas for €65.
0.007 g gold per euro (at €135.50/g)
0.007 g gold per euro (at €135.50/g)
App Connected
Your debit card or IBAN is linked to Lumofin.
Automatic detection of all purchases. No extra app, no extra card needed (Phase 1).
Automatic detection of all purchases. No extra app, no extra card needed (Phase 1).
Gold Grows
Your balance grows daily.
Example: €2,000/month spending = 0.42 g gold/month = approx. €57 value.
Example: €2,000/month spending = 0.42 g gold/month = approx. €57 value.
REALISTIC EXAMPLE
€2,400
Monthly Spending
16.8 g
Gold per Year
approx. €2,276 value
Gold prices may fluctuate. Long-term historical average +8% p.a. (last 20 years).
WHY LUMOFIN?
Save Gold.
Not Just Money.
Inflation eats your savings. Gold doesn't.
Automatic. Invisible.
No extra effort. Gold is collected in the background.
Physically backed.
Every gram of gold is 1:1 stored in secure vaults (Germany/Switzerland).
Redeemable from 5 g.
Physical bars delivered by post or sell at the current rate.
Cost: 0.8% p.a.
Storage + management. No hidden fees.
B2B
Gold as a Salary Benefit.
Offer your employees 3–5% of their salary in gold. Cost to you: zero. Benefit: higher retention.
Already 47 companies in pilot
IT, Pharma, Manufacturing
EXAMPLE: €50,000 ANNUAL SALARY
€47,500 Cash
+ 2.5 g Gold
= €340 value
Tax-free up to €50/month (2026 regulation).
SEE IT IN ACTION