A savings circle and a gold currency, made honest again.
Sikkra pairs a transparent rotating savings circle with a digital currency backed gram-for-gram by physical gold, built from the ground up with no riba, no gharar, and no maysir.
Two Islamic finance traditions, rebuilt for a phone.
Sikkra isn't one product. It's two, sharing a single wallet. Save collectively through Moneypool, or hold value in GLD, a currency you can actually touch.
Moneypool
A modern rotating savings circle (the same idea as an arisan, hui, or committee fund) for 50 people at a time. Everyone contributes the same amount every fortnight; each member takes exactly one full payout during the round. Positions are assigned at random and kept private, so nobody can angle for a better turn.
GLD: Allocated Physical Gold
A digital currency priced against live gold and backed at least 1:1 by audited physical reserves. Buy, send, and spend GLD like cash across the app, then redeem any balance for real bullion or coins whenever you want it in your hand.
Two flows, the same discipline: nothing moves until you've seen it.
Every step below exists in the working demo, including the confirmation screen that shows your exact amount before anything is committed.
Moneypool, cycle by cycle
GLD, transaction by transaction
Not a chit fund with an app. Not a stablecoin with a prayer.
Sikkra sits between three things people already know, and does each one differently on purpose.
See the whole flow, not a pitch deck.
This links to the actual working prototype, the same one used to design and test every screen on this page.
- Buy, send, and redeem GLD, with the exact amount confirmed before anything commits
- Join a Moneypool, make a contribution, and run a fortnightly payout cycle
- Calculate and pay Zakat, and watch the live Proof-of-Reserve panel move
We're not ready to launch. Here's exactly why.
Sikkra is a working prototype, not a live financial product. Before anyone's real money or real gold touches this system, all of the following has to happen.
Built and working today
- Full Moneypool + GLD wallet, with contribution, payout, buy, send, redeem, and Zakat flows
- Wakalah fee disclosed at every step, on both products
- ≥100% reserve-ratio enforcement logic and a live Proof-of-Reserve panel
- Confirm-before-commit safeguard on every transaction, so a fat-fingered zero can't slip through
- Opt-in Zakat calculator, split across the 8 Asnaf categories
Still ahead of us
- Independent smart-contract and backend security audit
- Shariah board review and sign-off, especially the Zakat and profit-sharing model
- A licensed gold-vault custody and audit partner
- Real KYC, payments, and gold-price oracle providers (today's build uses mocked versions of all three)
- Regulatory and money-transmission review in each market we launch in. Primary launch is planned for Malaysia and Singapore, chosen for their Islamic-finance regulatory depth and digital-asset frameworks; other markets follow only once that core model is proven
Building this with the right people, before anyone else.
We're not open to the public yet, but we're actively talking with the people who need to be at the table before we are.
Review our compliance model
Help us pressure-test the Zakat calculation, the wakalah fee structure, and reserve mechanics.
Explore backing Sikkra
Talk to us about investment, integration, or bringing Sikkra to your community.
Talk gold, not just code
We're looking for a licensed custody and audit partner ahead of any real reserve.
Ask us anything
Questions, feedback on this preview, or just want to follow along as we build.