1. Certification status
In progress
Shariah reviewThe product is being reviewed by a Shariah adviser (being appointed). We will publish the certificate (fatwa) here once it is issued. Until then, Lumos does not claim to be Shariah certified.
2. How the product is designed
- Every purchase is backed by physical metal held in a vault, so you own real gold or silver, not a promise.
- Price and quantity are fixed in the quote before you confirm, and the purchase completes when you pay.
- Your metal is never lent out and earns no interest.
- Fees are fixed charges for a service, such as delivery or card payments, shown before you agree.
- You can take delivery of your metal as bars or coins.
Features that come later, such as paying with gold or borrowing against it, will be reviewed separately before launch.
3. Questions
Write to [email protected].