Digirich is an Indian digital gold platform launched by ALGORYNIX DIGITAL PRIVATE LIMITED. It is positioned as a way for users to buy, hold, sell, and redeem 24K gold digitally. The available information indicates that it targets Indian residents, requires users to be at least 18 years old with a valid bank account and PAN card, and allows investments starting from as little as ₹10.
The platform is centered on digital gold investment rather than operating as a traditional payment gateway. Users can download the app from Google Play, enter an investment amount, pay via UPI, bank card, net banking, bank transfer, or wallet, and have the amount instantly converted into a 24K gold holding. It also offers live gold prices, prices for different purities, a gold calculator, 24/7 asset viewing, cash-out by selling gold, and physical delivery of coins or bars.
In terms of fees, purchases of digital gold are subject to 3% GST. There is also a spread between the buy and sell prices, which the platform says is used to cover storage, insurance, and payment processing costs. If users choose physical delivery, they must also pay making/minting charges, shipping, and insurance fees. After selling gold, funds are transferred to the verified bank account or UPI ID within 48–72 working hours. On compliance, the platform states that it follows AML/KYC requirements; high-value transactions or physical delivery require verification such as PAN and Aadhaar. It also says the gold is stored in insured vaults, subject to quarterly audits, and may be overseen by an independent trustee, but it does not disclose a clear financial license number.
The main advantages are its low entry threshold, support for mainstream Indian payment methods, relatively clear price display, and the option to either hold gold digitally or request physical delivery. The drawbacks are that key cost details—such as the exact spread, free storage period, and KYC thresholds—are not very specific; settlement is not instant; and the API is only referenced as an internal gold-price endpoint, with no developer documentation available. It is better suited to individuals in India who want to make small recurring gold investments, allocate to gold for long-term inflation protection, or avoid storing physical gold themselves.
The materials do not provide information on access from mainland China, RMB payments, or cross-border account opening, and eligibility is limited to Indian residents. Therefore, even if Chinese users can access the website, it is unlikely to be a practical investment channel. For Chinese users seeking gold exposure, more suitable options may include bank gold accumulation plans, gold ETFs, Shanghai Gold Exchange-related products, or regulated brokerage/fund channels.
⚠ This review is compiled from public sources and does not constitute a purchase recommendation. Verify all facts on the vendor's official site. Verify on digirich.co official site.
digirich.co is an India Payments provider. TG4G tracks its product information, an overall rating of 5.0/10, and a China-accessibility score of Limited (proxy recommended). Click "Visit Official Site" to reach digirich.co directly.