Shariah-first · gold-anchored · on-chain

Real gold,
made programmable.

1 DNX = 1 gram of allocated 999.9 gold — backed 1:1 and verifiable on-chain. Save it, spend it, pledge it for riba-free liquidity, or redeem it for the physical bar. One wallet, the value of gold.

Open your wallet → See Proof of Reserves

No interest. No synthetic gold. Spot settlement, T+0.

RM 390 / g live spot · T+0

Buy from 1 gram. Sell back any time at spot.

Reserve coverage 100%+ verified

One app, five rails

Everything you can do with gold.

A super-app where gold is the reserve asset, the savings instrument, the loan collateral, and a way to pay.

Tokenized gold

DNX · 1 token = 1 g

Every DNX is 1 gram of allocated 999.9 gold, minted only against verified reserves and redeemable for the physical bar.

Wallet & payments

MYR · gold · crypto

Hold cash, gold and crypto in one wallet. Instant transfers, DuitNow & QR, and the ability to spend gold at checkout.

Gold Ar-Rahnu

Riba-free liquidity

Pledge your gold for instant financing via a smart contract. You pay an ujrah safekeeping fee — never interest.

Crypto → gold

Licensed DAX partner

Convert crypto into allocated gold. Trading is routed to an SC-registered digital-asset exchange — we never run an in-house order book.

Merchant payments

Accept · settle in gold

Businesses accept gold and crypto and settle in gold, MYR or stablecoin — turning everyday sales into a gold balance.

Save & grow

Auto-buy · goals · zakat

Dollar-cost average into gold, track Hajj & Umrah goals, and assess your gold zakat — with a Hijri-aware haul tracker.

Shariah-first by design

Built on the rules, not around them.

Gold is a ribawi asset, so the structure matters as much as the product. DenarX is engineered to comply — and the final structuring is signed off by a Shariah board.

Ujrah, never riba

Ar-Rahnu charges a safekeeping fee for guarding your collateral — there is no interest on the financing.

Spot, T+0, fully allocated

Gold trades settle on the spot with constructive possession — no deferred-gold derivatives or margin on credit.

100% backed, always

DNX is minted only against verified allocated reserves. No fractional reserve, no synthetic gold — provable on-chain.

For the ummah

Built-in zakat assessment, Hijri haul tracking, gold gifting (hibah) and wasiyyah nomination — finance that fits the faith.

How it works

From ringgit to real gold in minutes.

Open & verify

Create your wallet and complete a quick eKYC. Top up in MYR via FPX or DuitNow.

Buy allocated gold

Buy DNX at a live spot quote. Each gram is allocated to you and backed 1:1 in the vault.

Use it your way

Spend, send, auto-save, pledge for liquidity, redeem the physical bar, or self-custody on-chain.

Proof of Reserves

Every gram, provable.

Circulating DNX can never exceed the gold in the vault. Independent attestations are published on-chain, and the mint is gated so coverage stays at or above 100% — enforced by smart contract, not by a promise. Don't trust. Verify.

100%+

reserve coverage of circulating DNX

Build with DenarX

An open gold economy — operators & agents.

DenarX is a network. Licensed Ar-Rahnu operators compete on a transparent marketplace, and sales agents widen access to gold — all on riba-free, Shariah-approved terms.

Ar-Rahnu operators

Pawnshops & gold financiers

List your financing on the DenarX marketplace — customers compare your FTV and ujrah against other operators and pledge in-app. Run your book, float and fees from the operator portal; settlement is on-chain and ujrah-only.

Open the operator portal →

Sales agents

Single-level · non-MLM

Introduce others to gold savings and earn a transparent, Shariah-approved commission on their activity — a single level, no downline. Apply from your wallet; payouts are gated on Shariah sign-off.

Become an agent →

Real gold,made programmable.