--- description: Start earning an estimated 6% APY. Visa makes billions on payments. Goldsand collects fees on similar digital payments and profit shares with you. title: Put your cash to work and earn an estimated 6% image: https://goldsand.fi/images/social-preview.jpg --- ![](/images/RYY8EsbsxqQitkznZPblsmU5TB0.png)Earn an estimated 6% APY on your cash # High yield savings with no interest [![](/images/ic_baseline-apple.png)Download for iOS](https://apps.apple.com/app/goldsand-app/id6754749567)[![](/images/mdi_google.png)Download for Android](https://play.google.com/store/apps/details?id=com.inshallah.goldsand) Early access available in the 🇺🇸 US only. ![A hand holding a phone running the Goldsand app, showing a 6.00% APY badge, a $1,234.00 balance, a rising returns chart, and recent deposit and withdrawal activity.](/images/Hero_Hand_Phone_6_APY_HiRes.png) “Simple, yet beautiful. Goldsand is changing the game for Muslim finance. The name itself has an aura to it.” ![Zuhayeer Musa](/images/dUbiX57habodVfq6sOijUlRYY.jpg) Zuhayeer Musa Levels.fyi Founder “You can tell the design was thought through. Every button, every screen serves a purpose. Really impressed.” ![Peter Gould](/images/DAS5Pg0aHYtl6uqwPiAzCvLas.jpeg) Peter Gould Strategic Design Leader “One of my fav designed apps, amazing work @thesubmitter\_ and friends :)” ![Adil Abutalha](/images/uoUD34Gh4wbVbXy89XT7V60Q.png) Adil Abutalha Boycatt Founder “I know the Goldsand team and reviewed their Sharia structure. It’s a simple, serious halal savings option.” ![Dr. Shadee El Masry](/images/vDF8AeIVVl5bJJvmFkvSIwEuLk.jpg) Dr. Shadee El Masry Safina Society Founder “Goldsand is a game-changing product for Muslims. I’ve reviewed their product and found it sticks to the highest shariah standards.” ![Sh. Hamzah Raza](/images/UTZ4W2BvqZvIahNKoGxqD1n6Be8.jpg) Sh. Hamzah Raza Azhar university “If you're a Muslim with savings, use this. Can't think of a better solution or a better team.” ![Ayyan Rahman](/images/Y5g3zXmYAQhp8mXQg6zmdOGDEp0.jpeg) Ayyan Rahman Founder & Daee “Simple, yet beautiful. Goldsand is changing the game for Muslim finance. The name itself has an aura to it.” ![Zuhayeer Musa](/images/dUbiX57habodVfq6sOijUlRYY.jpg) Zuhayeer Musa Levels.fyi Founder “You can tell the design was thought through. Every button, every screen serves a purpose. Really impressed.” ![Peter Gould](/images/DAS5Pg0aHYtl6uqwPiAzCvLas.jpeg) Peter Gould Strategic Design Leader “One of my fav designed apps, amazing work @thesubmitter\_ and friends :)” ![Adil Abutalha](/images/uoUD34Gh4wbVbXy89XT7V60Q.png) Adil Abutalha Boycatt Founder “I know the Goldsand team and reviewed their Sharia structure. It’s a simple, serious halal savings option.” ![Dr. Shadee El Masry](/images/vDF8AeIVVl5bJJvmFkvSIwEuLk.jpg) Dr. Shadee El Masry Safina Society Founder “Goldsand is a game-changing product for Muslims. I’ve reviewed their product and found it sticks to the highest shariah standards.” ![Sh. Hamzah Raza](/images/UTZ4W2BvqZvIahNKoGxqD1n6Be8.jpg) Sh. Hamzah Raza Azhar university “If you're a Muslim with savings, use this. Can't think of a better solution or a better team.” ![Ayyan Rahman](/images/Y5g3zXmYAQhp8mXQg6zmdOGDEp0.jpeg) Ayyan Rahman Founder & Daee ## How it works [![](/images/ai/openai.svg)Ask ChatGPT(opens in a new tab)](https://chatgpt.com/?q=Summarize%20Goldsand%20%28https%3A%2F%2Fwww.goldsand.fi%29.%20Explain%20the%20product%20and%20how%20it%20earns%20returns%20clearly%20for%20a%20first-time%20visitor%20with%20no%20background%20assumed.%20Look%20at%20the%20FAQ%20page%20articles%20%28https%3A%2F%2Fgoldsand.fi%2Ffaq%2Fwhere-returns-come-from%29%20but%20keep%20it%20simple%3B%20no%20new%20words%20for%20the%20average%20fintech%20app%20user.%20Also%20use%20the%20following%20analogy%20to%20start%3A%20Every%20time%20you%20swipe%20a%20card%2C%20a%20fee%20is%20charged%20to%20move%20that%20money.%20Visa%20makes%20billions%20on%20those%20%28non-interest%29%20fees.%20Goldsand%20collects%20fees%20on%20similar%20digital%20payments%20but%20shares%20them%20with%20you.%0A%0ANo%20more%20than%201%20header%20sentence%20and%203%20bullet%20points%20to%20start.%0A%0ADraw%20a%20diagram%20separate%20from%20the%20text%20explanation) ### Goldsand collects fees on digital payments and shares them with you Learn more ### Every time you swipe a card ### a fee is charged to move that money. ### Visa makes billions on those (non-interest) fees. ### Goldsand collects fees on digital payments and shares them with you [Learn more](/faq/where-returns-come-from) ## Earn more with Goldsand. A savings account pays you a fraction of a percent. Goldsand shares the profit from approved stablecoin payment activity instead. ![](/images/74Jj5jfwO6qGcJB7J2AP6p43L4w.png)![](/images/2qNJuOHDM67vqeZ539SuGmDZkvc.png)![](/images/Gm89W5MZw7WjTMlpEyx0BEXyDjk.png) 0.01% Traditional Banks ![](/images/JxbuPlPwkAhJHnnTvyQ0xnbSQ8.png)![](/images/lgp3CGghlnIBC4D1pDpAftLIC0A.png)![](/images/fuwnnX7ROvzDPEnLeeSzUhV8rAs.png) 4% Investment Products ![](/images/aT0xYTPp4WXxAfIvzIk0FyLAV7g.png) Early user boost 6% APY\* Historical average 4.5% APY Goldsand \*Early users receive a boost to 6% APY for 3 months. APY is annualized, not the return over 3 months. Returns are variable, not fixed interest; the 4.5% historical average does not guarantee future returns. ## Grow your wealth stress-free ### Withdraw without penalties Profit from stablecoin payment activity, not interest. Transparent returns from real economic activity. ### Deposit Start earning immediately with full liquidity. Access your funds anytime while they grow. ### Withdraw without penalties Access your funds instantly without penalties, fees, or waiting periods. ### Interest-free earnings Profit from stablecoin payment activity, not interest. Transparent returns from real economic activity. * ### Deposit Start earning immediately with full liquidity. Access your funds anytime while they grow. * ### Withdraw without penalties Access your funds instantly without penalties, fees, or waiting periods. * ### Interest-free earnings Profit from stablecoin payment activity, not interest. Transparent returns from real economic activity. InflationSavings ### Inflation is eating your savings Cash feels safe. Inflation says otherwise. See it against a 6% return. Cash in checking $ Simulated over 20 years Effective expected value w/o Goldsand **$13.8K** Total expected value w/ Goldsand **$44.4K** Illustrative balances in today's dollars, assuming 6% APY and 3% annual inflation, both compounded. Returns are not guaranteed. $47.9K$24.0K$0Today20Y ## Frequently asked questions [View more](/faq) ### How is Goldsand more ethical than banks?If you store your money at the bank, the bank can use these funds to loan to military companies, gambling companies and other harmful industries. When you store your funds with Goldsand, we ensure that these funds never reach those sources. [Where do earnings come from?](/faq/where-returns-come-from#short-answer:~:text=Your%20capital%20supports%20approved%20stablecoin%20payments%2C%20and%20you%20share%20the%20profit.) [Are there risks with Goldsand?](/faq/risks-and-risk-reduction#risk-and-reward:~:text=When%20you%20use%20Goldsand%2C%20you%20share%20in%20the%20real%20profits%20generated%20by%20transaction%20activity.%20You%20also%20share%20in%20the%20risk.) ### Is Goldsand a bank?No, and that's by design. Banks use your deposits to fund loans and pay minimal interest. Goldsand supports stablecoin payment infrastructure and shares transaction fees with you—no interest, complete transparency. We're not FDIC insured, but we use regulated custody partners for security. ### How is Goldsand more ethical than banks?If you store your money at the bank, the bank can use these funds to loan to military companies, gambling companies and other harmful industries. When you store your funds with Goldsand, we ensure that these funds never reach those sources. [Where do earnings come from?](/faq/where-returns-come-from#short-answer:~:text=Your%20capital%20supports%20approved%20stablecoin%20payments%2C%20and%20you%20share%20the%20profit.) [Are there risks with Goldsand?](/faq/risks-and-risk-reduction#risk-and-reward:~:text=When%20you%20use%20Goldsand%2C%20you%20share%20in%20the%20real%20profits%20generated%20by%20transaction%20activity.%20You%20also%20share%20in%20the%20risk.) ### Is Goldsand a bank?No, and that's by design. Banks use your deposits to fund loans and pay minimal interest. Goldsand supports stablecoin payment infrastructure and shares transaction fees with you—no interest, complete transparency. We're not FDIC insured, but we use regulated custody partners for security. ## Start earning up to 6% returns, without interest. Download the Goldsand app today. [![](/images/ic_baseline-apple.png)Download for iOS](https://apps.apple.com/app/goldsand-app/id6754749567)[![](/images/mdi_google.png)Download for Android](https://play.google.com/store/apps/details?id=com.inshallah.goldsand) ```json {"@context":"https://schema.org","@graph":[{"@type":"Organization","@id":"https://goldsand.fi/#organization","name":"Goldsand","legalName":"Camelcorn Inc.","url":"https://goldsand.fi/","logo":{"@type":"ImageObject","url":"https://goldsand.fi/images/0jJXkMeT8g6i75th9SZYTg9ZUVI.png","width":184,"height":184}},{"@type":"WebSite","@id":"https://goldsand.fi/#website","url":"https://goldsand.fi/","name":"Goldsand","publisher":{"@id":"https://goldsand.fi/#organization"}}]} ```