ORO Finance Review: A New Infrastructure for Digital Gold

Oro Finance is a decentralized finance (DeFi) platform built on the Solana blockchain that enables users to buy, hold, and trade tokenized gold (ORO) seamlessly on-chain. By representing physical gold with blockchain-native tokens, Oro Finance bridges traditional bullion markets with modern digital finance, offering transparent, secure, and instantly transferable ownership of gold without the frictions of custody and storage faced in traditional markets. Read this ORO Finance Review to know more.

What is ORO Finance?

ORO is building the foundational infrastructure for tokenized gold capital markets, designed to make gold as accessible, liquid, and programmable as digital money.

At its core, ORO is based on a simple principle: physical gold should function like a modern financial asset. It should be easy to hold, transferable across borders, capable of generating yield, and seamlessly integrated into applications—without compromising trust, redemption rights, or regulatory clarity.

Through ORO, users can hold 1:1 tokenized gold that is fully redeemable, stake their gold to earn passive returns, and redeem holdings in both small and large increments. Developers and institutions can also integrate ORO via APIs to build gold-backed financial products and applications.

ORO is built on Solana to leverage high-speed settlement, scalability, and low transaction costs, with expansion to additional blockchains underway. The platform works exclusively with licensed brokers and custodians, ensuring that all gold is physically backed, insured, independently audited, and that yield is generated only through transparent, regulated gold leasing markets.

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ORO Finance Review: Product Overview

ORO provides a purpose-built ecosystem that unlocks real-world utility from physical gold by bringing it fully on-chain in a compliant, transparent, and programmable way.

The ecosystem is anchored by the $GOLD token, a 1:1 representation of LBMA and UAE GD–certified physical gold stored in insured, third-party vaults. Users can mint $GOLD using USDC, hold it as a long-term store of value, transfer it globally, stake it to earn yield, or redeem it for cash or physical metal.

ORO works with licensed brokers, custodians, and vault operators to ensure that every $GOLD token corresponds to real, audited gold reserves. For developers and institutions, ORO introduces GRAIL, a modular infrastructure layer that enables the creation of gold-backed financial products without requiring teams to manage custody, compliance, or physical settlement.

Key features of the ORO ecosystem include:

• Tokenization of fully audited physical gold reserves held in secure vaults
• 1:1 backing by LBMA & UAE GD–certified gold under a trust-based legal structure
• On-chain access to institutional gold leasing markets for yield generation
• Native redeemability for physical gold, subject to operational terms
• Designed for composability across DeFi, fintech, and payment systems

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ORO Finance Review: How to get started

This section explains how to begin using ORO, from setting up a wallet to minting, staking, and redeeming gold.

Create or Connect a Wallet

ORO is built on the Solana blockchain. To get started, you’ll need a wallet that supports Solana-based assets.

1. Connect a Solana Wallet

You can connect any supported Solana wallet, including:

• Phantom
• Backpack
• Solflare
• Ledger (via wallet adapter)
• Other compatible Solana wallets

2. Use Social Login (Email, X, GitHub, or Google)

If you don’t already have a crypto wallet, ORO offers secure social login powered by Privy. This allows you to:

• Sign in using email, X (Twitter), GitHub, or Google
• Automatically create a non-custodial wallet in the background
• Start using ORO without managing seed phrases

Your wallet remains fully self-custodial and under your control at all times.

Complete KYC or KYB

To mint or redeem $GOLD, identity verification is required under ORO’s compliance framework.

• Individuals: Government-issued ID and a short liveness check
• Entities: Business registration documents, authorized signatory details, and verification

Verification is handled securely by iCapital Identity Solutions (formerly Parallel Markets). Once approved, your wallet is whitelisted for minting and redemption.

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Fund Your Wallet with USDC

Minting $GOLD requires USDC (SPL) on Solana. You can fund your wallet through several methods:

1. Traditional Crypto Methods

• Bridge USDC from Ethereum, Polygon, or other chains
• Withdraw USDC from centralized exchanges (e.g., Coinbase, Binance) to your Solana address
• Receive USDC from another Solana wallet

2. Card and Local Payment Options

• Purchase USDC using credit or debit cards
• Deposit funds directly via supported local bank rails (region-specific)

These options are powered by Coinflow and Sphere, enabling compliant, in-app funding without leaving the ORO platform.

Note: Ensure you have sufficient USDC to cover:

• The amount of $GOLD you wish to mint
• Applicable minting fees

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Mint $GOLD

Once your wallet is funded and whitelisted:

1. Open the ORO app
2. Enter the amount of USDC to convert
3. Confirm the transaction

$GOLD is minted 1:1 (minus minting fees) and delivered instantly to your wallet. The token is freely transferable and ready to stake, send, or redeem.

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Stake $GOLD

To earn yield:

1. Select the amount of $GOLD to stake
2. Confirm the transaction in your wallet

Your $GOLD is allocated to institutional gold leasing markets, and yield begins accruing immediately. Returns are paid monthly in $GOLD.

An initial 12-month lockup period applies. Staking status and yield can be tracked directly from the ORO dashboard.

Redeem $GOLD

You may redeem $GOLD at any time through:

• USDC redemption
• Vault transfer
• Physical gold delivery

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ORO Finance Review: $GOLD Token Details

$GOLD is the foundation of the ORO ecosystem. It is a fully backed, redeemable, and composable digital asset that represents physical gold held in secure, regulated custody.

Each $GOLD token corresponds to one troy ounce of LBMA & UAE GD–certified physical gold, stored in third-party certified vaults under a trust-based legal structure. The design ensures that $GOLD functions as a reliable store of value while remaining usable across on-chain financial applications.

Backing and Custody

Every $GOLD token is backed 1:1 by fully allocated physical gold.

• Gold is stored in insured, audited, third-party vaults
• Vault providers and brokers are licensed and regulated
• The ORO Foundation holds legal title to the gold on behalf of token holders
• Physical audits and reconciliations are conducted regularly
• Proof of reserves is published through public attestations and audit reports

Gold held for $GOLD is never fractional, synthetic, or unallocated.

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Minting and Redemption

$GOLD is minted and redeemed using USDC on Solana, with each token representing one troy ounce of certified physical gold.

Minting

• Users send USDC and receive $GOLD 1:1, minus a minting fee
• Minting requests are typically processed within 24 hours
• For large orders or requests outside business hours, settlement may be delayed, but the gold price is locked at the time of request

Redemption

• Users burn $GOLD to receive USDC or initiate physical gold redemption
• USDC redemptions are usually settled within 1–2 business days
• Physical redemptions are fulfilled through licensed brokers within 1–5 business days, depending on location and delivery method

Primary minting and redemption are unavailable on weekends. However, users may still trade $GOLD via DeFi swaps (e.g., Jupiter) during this time.

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Fees

To align on-chain activity with real-world settlement processes, the following fees apply:

Action	Trading Hours (Mon–Fri, 9am–5pm CET)	Outside Trading Hours
Minting $GOLD	0.50%	1.00%
Redeeming $GOLD	0.50%	1.00%
Staking $GOLD	Free	Free

ORO Finance Review: Staking and Yield

$GOLD is more than a store of value—it is also a yield-generating asset.

By staking $GOLD, users gain access to established institutional gold leasing markets, earning gold-denominated returns backed by real economic activity. Yield is generated without relying on debt instruments, synthetic derivatives, or paper gold. ORO facilitates this by partnering with licensed brokers and institutional gold finance providers that manage leases with vetted counterparties.

How It Works

When you stake $GOLD, your gold is allocated to licensed brokers who facilitate short-term physical gold leases to institutional users, including:

• Refiners
• Bullion traders
• Jewelry manufacturers
• Market makers

These lessees use gold as inventory or working capital and pay a gold-denominated lease fee. ORO aggregates this yield and distributes it proportionally to all participating stakers.

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Yield Payouts

• Yield is distributed monthly, in the form of additional $GOLD
• Rewards are automatically credited to the user’s wallet
• Returns fluctuate based on leasing demand and market conditions, typically ranging between 3% and 5% APY

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Lockup and Unstaking

To ensure predictable lease durations and stable yield generation:

• Staked $GOLD is subject to a 12-month lockup period
• During the lockup, staked $GOLD cannot be transferred or redeemed

After the lockup period, users may choose to:

• Continue staking and earning yield
• Unstake and withdraw $GOLD to their wallet
• Redeem $GOLD for USDC or physical gold

ORO is exploring shorter-duration leases and a partial early exit mechanism, subject to market demand and operational feasibility.

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ORO Finance Review: Pricing

Action	Fee
Minting $GOLD	0.50% during trading hours (1.00% outside trading hours)
Redeeming $GOLD	0.50% during trading hours (1.00% outside trading hours)
USDC Redemption	1.5%
Staking $GOLD	Free
Claiming Yield	Free
Unstaking after 12 Months	Free
Physical Delivery	Varies (gold premium + shipping and insurance costs)

ORO Finance Review: Audits & Security

ORO is designed with a strong emphasis on security, transparency, and independent verification across both its on-chain infrastructure and physical asset custody. User protection is embedded at every layer of the system, from smart contracts to vault-level controls.

Smart Contract Security

All core smart contracts have been independently audited by Cantina (Spearbit Labs Inc.) to assess correctness, security, and resilience.

• Contracts are built on Solana SPL standards using a secure, upgrade-controlled architecture
• The protocol is fully non-custodial, ensuring users retain control of their $GOLD at all times
• Administrative privileges are protected through multisignature controls and time-delayed governance safeguards to reduce operational and governance risk

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Token Safeguards

ORO enforces strict access controls while maintaining full on-chain transparency.

• Only KYC/KYB-approved wallets are permitted to mint, convert, or redeem $GOLD
• All token activity—including minting, staking rewards, yield distribution, and redemptions—is fully transparent and verifiable on-chain
• Permissionless transfers between wallets remain unrestricted

Physical Gold Custody

$GOLD is backed 1:1 by fully allocated physical gold held in secure custody.

• Legal title to the gold is held by a dedicated foundation, making the structure bankruptcy-remote
• Custody partners operate insured, professional-grade vaults under regulated frameworks
• Gold is never sold, leased, or reused without the explicit action of the token holder
• Vaulted gold is not commingled and remains fully auditable at all times

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Monthly Third-Party Attestations

To maintain ongoing transparency and trust, ORO publishes monthly third-party attestations.

• Independent attestations are conducted by RSM International
• Reports confirm that physical gold reserves back all outstanding $GOLD tokens on a 1:1 basis
• Attestations verify both the quantity and quality of gold held in custody

These regular, independent verifications reinforce accountability and provide token holders with clear assurance that $GOLD remains fully backed at all times.

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Conclusion

ORO is redefining how gold functions in the modern financial system by combining the trust and stability of physical bullion with the speed, transparency, and programmability of blockchain infrastructure. Through the $GOLD token, users gain direct access to fully backed, redeemable physical gold that can be held, transferred, staked, and integrated into decentralized and traditional financial applications without sacrificing custody rights or regulatory clarity.

By enabling on-chain yield through institutional gold leasing markets, ORO transforms gold from a passive store of value into an income-generating asset, while maintaining strict safeguards around custody, compliance, and auditability.

With robust smart contract security, licensed partners, regular third-party attestations, and a forward-looking infrastructure layer like GRAIL, ORO is positioning itself as the foundational layer for tokenized gold capital markets—making gold accessible, liquid, and useful for anyone, anywhere.

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