Building Trust in Digital Finance: Why We are creating a Gold-Backed Stablecoin, Interview of Djamil Kamoula

Exclusive Interview with Djamil Kamoula

For centuries, gold has stood as the ultimate store of value. Nations hold it in their reserves, investors buy it as a hedge, and families pass it down across generations. Yet in today’s rapidly changing financial landscape, gold often feels disconnected from the digital economy. Transactions involving gold are slow, illiquid, and inaccessible to most people outside of wealthy investors or institutional players.

At the same time, stablecoins; digital assets tied to stable underlying value have emerged as a cornerstone of innovation in global finance. They bring speed, transparency, and programmability into money markets, making them vital in crypto trading, cross-border payments, and everyday transactions. But the problem with many stablecoins lies in trust: Are the reserves real? Who audits them? Can people rely on them during times of uncertainty?

It is at this intersection - between the timeless reliability of gold and the modern speed of blockchain, that our project was born. As the founder of this initiative, I want to explain the vision, the mechanics, and the wider purpose behind our gold-backed stablecoin.

Why Gold as a Foundation?

Gold has never defaulted. Unlike fiat currencies, which can be inflated by governments or mismanaged by central banks, gold retains intrinsic value across centuries and geographies. In uncertain times, whether it’s currency depreciation, inflation, or geopolitical crises, people turn to gold.

By creating a digital asset tied to physical gold, we aim to solve three critical challenges in global finance:

• Trust in Value: Unlike algorithmic stablecoins that failed spectacularly, gold always has a global market price, making each token backed by something universally recognized.

  
  

• Accessibility: Ordinary people cannot easily buy fractional bullion or store it securely. With tokenization, even someone with $10 can hold a fraction of gold, seamlessly.

  
  

• Liquidity: Digital assets trade 24/7. By placing gold reserves on blockchain, holders can use their tokens in payment, lending, and remittance systems without waiting days for settlement.

  
  

How Our Stablecoin Works?

Every token in circulation is backed by 1 gram of physical, audited gold stored in highly secure vaults across multiple jurisdictions. This direct peg ensures that one token always reflects a measurable amount of gold, redeemable by institutional partners and verified through independent auditors.

Holders can:

• Store the tokens in digital wallets just like other cryptocurrencies.

• Use them for cross-border payments with instant settlement and minimal fees.

• Redeem them (through authorized entities) for physical gold when desired.

• Leverage them in decentralized finance (DeFi) protocols as collateral.

A crucial aspect of the system is transparency. All reserves are subject to regular third-party audits, and proof of reserves is published on-chain. This bridges the greatest trust gap: we don’t ask users to "believe us," we ask them to verify through blockchain records and independent audits.

Global Use Cases

The true promise of a gold-backed stablecoin extends far beyond traders and crypto investors. We believe this asset can play a genuine role in democratizing global finance.

Cross-Border Remittances

Migrant workers often pay high fees (8-10% on average) to send money home. By converting fiat into our gold stablecoin, remittances can be instant and borderless. Families receive tokens, which can be easily converted to local currency or held as protection against inflation.

Inflation Hedge for Emerging Markets

Citizens in countries suffering hyperinflation or rapid depreciation rarely have access to secure assets. A tokenized fractional gold unit allows them to protect savings in a way fiat banks or limited gold markets cannot.

Digital Commerce & Payment Systems

Merchants hesitant to accept volatile cryptocurrencies benefit from a stable, gold-backed option that remains both inflation-resistant and globally credible.

Institutional Applications

Banks, payment companies, and fintech platforms can integrate the asset into their offerings, whether as collateral for lending, liquidity for settlement, or simply as a trust-building financial instrument.

Our Differentiation as Founders

Many projects claim to issue gold-backed tokens, but they face challenges like unclear reserves, poor liquidity, or lack of regulatory alignment. From the outset, we are designing our stablecoin to follow three guiding principles:

• Regulatory Compliance: We are structuring operations through Special Purpose Vehicles (SPVs) in gold-trading hubs, ensuring that every asset is legally accounted for and seizure-protected. Our framework aligns with KYC/AML standards, making it accessible for both retail users and institutional partners.

  
  

• Cost-Efficient Infrastructure: By leveraging blockchain and streamlined vault partnerships, our holding costs are significantly lower than traditional ETF models. This allows us to pass on savings through transparent, low transaction fees.

  
  

• Community-Centric Governance: Our roadmap includes decentralized governance features, enabling token holders to influence vault locations, gold acquisition sources, and ecosystem development.

As founders, our belief is simple: trust without transparency is fragile. That’s why openness and accountability stand at the core of this project.

Beyond a Currency: Building a Financial Bridge

This stablecoin is not just a digital version of gold, it is a bridge. A bridge between physical and digital finance, between developed and emerging economies, between institutional finance and ordinary users.

For example, a university student in Nigeria can now hold a portion of gold securely without ever stepping into a bank. A small exporter in India can receive cross-border payment in gold tokens that remain stable while fiat currencies fluctuate. A fintech in the UAE can build lending protocols backed by tangible reserves instead of relying on unstable crypto collateral.

These bridges matter because financial systems today are fragmented. People lack access, institutions lack trust, and markets lack speed. Gold, as ancient as it is, combined with blockchain technology, offers a unique path forward.

The Road Ahead

We are currently in the process of doing partnerships with vault operators, audit firms, and payment facilitators across three key regions: the Middle East, Asia, and Europe. This distributed reserve structure not only diversifies risk but ensures compliance across jurisdictions.

On the technology side, we are integrating the stablecoin with layer-2 blockchain solutions for faster, cheaper transactions, while building APIs for easy adoption by fintech developers. In the next phase, users will also be able to stake tokens in regulated liquidity pools and earn transparent yields.

Looking further, we envision this project as the foundation for an ecosystem of real-world asset tokenization. Beyond gold, we will explore bonds, commodities, and other assets that combine stability with accessibility, allowing users to diversify portfolios like never before.

Final Thoughts as a Founder

When I decided to embark on building a gold-backed stablecoin, it was not out of fascination with blockchain alone, it was out of necessity. The world needs financial instruments that combine both timeless trust and modern efficiency.

Gold gives us trust. Blockchain gives us efficiency. Together, they create a currency that is stable, transparent, global, and inclusive.

Our mission is not only to create another cryptocurrency but to redefine the meaning of stability in digital finance. As global economies enter uncharted territory, we believe our gold-backed stablecoin can serve as an anchor, something that grants individuals, businesses, and institutions the ability to transact and save with confidence.

In essence, this is not only about tokens or vaults. It is about redefining the relationship between people and value in the digital age. And as a founder, I see it as our responsibility, and privilege to build a future where stability and innovation finally converge.