The Leasing feature allows you to earn daily passive income by leasing your gold or silver holdings. Your earnings are managed securely, following Sharia-compliant investment principles.

This guide walks you through the full journey — from onboarding to calculating returns.

Onboarding

• Launch the app and tap on your avatar to begin.

• You’ll be greeted with a welcome screen such as “Hey Kate!” — tap to continue.

• Tap “Begin your earning journey with OGold.”

This will take you through an introductory walkthrough of how OGold Leasing works.

Learn How OGold Leasing Works

Swipe through the onboarding screens to understand the key benefits:

1. Let Your Metal Work for You
   Earn passive income from your gold or silver. Daily returns start the next working day.

2. Explore Your Potential Earnings
   Use the built-in calculator to estimate how much you could earn annually before adding any metal.

3. Enjoy Full Freedom and Control
   Add or withdraw at any time — no fixed terms or penalties.

4. Get Clear Monthly Rewards
   Earnings are paid every month to your Main Wallet or can be reinvested for growth automatically.

5. Backed by Trusted Providers
   All investments are managed under Sharia-compliant principles by verified global partners.

6. Start Small, Grow Steadily
   Begin with as little as 0.1 g of gold or silver. The system manages tracking, storage, and payouts seamlessly.

Finally, tap Start Earning to proceed.

Calculate Your Potential Earnings

Once you enter the Earnings dashboard, you can:

• Choose between Gold, Silver, or Monetary Metals.

• Set the amount to lease (in grams) using the “+ / –” buttons.

• View the estimated return rate (e.g., ~4.8% APR).

• See potential return values for 1st Year, 3rd Year, and 5th Year.

💡 Example:
Leasing 0.1g of gold may show a return value of AED 3,000 (approx. 6.82g growth).

Once satisfied, tap Done to confirm.

Shariah Certification

OGold operates under Shariah-compliant certification, ensuring ethical and compliant investing.

• Tap “Learn More” from the earnings page.

• You’ll see the Shariah Certificate, issued and verified by the Center of Islamic Banking and Economics.

• Certification includes:

  • Secure and Trusted Partner assurance

  • Validity period (e.g., Issued: 14 Aug 2025, Expiry: 13 Aug 2026)

This guarantees your investments align with verified Islamic financial principles.

Monitor and Manage Your Earnings

After setup:

• Track your daily returns directly in the Earnings section.

• Switch between metals to view diversified performance.

• Access FAQs anytime for detailed insights into returns, withdrawals, and reinvestments.

Your earnings are automatically calculated, transparent, and securely stored.

Leasing Onboarding Flow

Terms & Conditions

• The user starts the leasing onboarding journey by viewing the Terms & Conditions screen.

• They can read about:

  • Eligibility – Must be 18+ years old and legally capable of entering agreements.

  • Our Services – Buying, selling, managing, and redeeming digital metals.

  • Metal Ownership – Ownership, custody, and allocation details.

• After scrolling through and reviewing all content, the Continue button becomes active.

• The user taps Continue to proceed.

KYC Verification

• The next screen prompts the user for Identity Verification (KYC) to start leasing.

• The button shows the status (e.g., Not Started).

• The user taps Start Verification to begin the KYC process.

• After completing identity verification, the status updates to Completed with a confirmation message:
  “Your identity has been verified. You’re all set to continue.”

• The user taps Continue to move forward.

Select Provider

• The user selects a preferred leasing provider from available options:

  1. O-Gold Default – Recommended, flexible lease with competitive rates (up to 5% APR, no lock-in).

  2. Monetary Metals – Premium partner offering higher yields (up to 6% APR, minimum 1g).

• The selected provider is highlighted with a tick or border.

• The user taps Continue to proceed.

Success Confirmation

• A confirmation screen appears with the message:
  “You’re ready to earn! Complete setup and start earning passive income from your metals.”

• The user taps Start Earning to begin creating their lease.

Loader Screen

• A brief Loader screen may appear while processing transactions or confirming lease details.

Create Lease

• The Earn screen opens to let users create a new lease.

• They can select between Gold or Silver and choose a provider (e.g., Monetary Metals).

• The user enters the Amount to lease (in grams) — either manually or using the max / + / - buttons.

• The Return rate (APR) and Return value (AED) are displayed dynamically.

• Tabs allow users to view potential returns for 1st Year, 3rd Year, or 5th Year.

• A note mentions:
  “OGold operates under Sharia-compliant certification.” with a link to learn more.

• The Earn button activates after valid input.

Earning Summary

• The user reviews all lease details before confirming:

  • Gold amount

  • Provider name

  • APR Rate

  • Estimation Period (e.g., 1 Year)

• Additional note:
  “Starting from the next business day, daily rewards begin to accrue.”

• The user taps Confirm to finalize the lease.

Lease Success

• A success confirmation modal appears with a tick icon and message:
  “You’ve started earning! You’re now earning daily returns from your gold.”

• Summary details show:

  • Gold: e.g., 0.5g

  • Provider: Monetary Metals

  • APR Rate: 4.8%

  • Estimation Period: 1 Year

• A reminder is displayed:
  “Starting from the next business day, daily rewards (DR) begin to accrue.”

• The user can tap View History to check the lease record or Back to Dashboard to exit.

The Leasing Dashboard in OGold gives you a transparent and detailed view of your earnings, transactions, and gold leasing performance. It helps you calculate potential returns, manage goals, and maximize your profits through automated reinvestments.

Earnings Overview

At the top of your dashboard, you can view your Total Earning Balance — available for both Gold and Silver.
Here’s what you’ll see:

• Earned This Month: Displays the total gold or silver earned for the current month.

• Daily Return: Shows your current daily earning rate in grams and AED.

• Next Payout Date: Indicates the upcoming payout schedule for your returns.

You can switch between Gold and Silver tabs to check your performance across both assets.

Earnings Calculator

Plan your growth and estimate potential returns with the Earnings Calculator:

1. Tap Calculate on your dashboard.

2. Choose the metal type — Gold, Silver, or Monetary Metals.

3. Enter the amount you want to lease.

4. Select a term (1 Year, 3 Years, or 5 Years).

5. Instantly view your expected return value (in AED).

6. Tap Start Earning to begin your leasing journey.

This tool helps you visualize how your assets can grow over time.

Linking Goals to Earnings

You can connect your existing Goals (such as Dream House, Education, or Retirement) to your leasing earnings. This helps you grow specific goals automatically through the returns generated on your leased gold or silver.

Step-by-Step: How to Link a Goal

1. Open the Leasing Dashboard

   • Go to Earnings under your OGold app.

   • Scroll to the Linked Goals section.

   • Tap the Link button.

2. Select a Goal to Link

   • A list of your available goals will appear (e.g., Dream House, Education, Retirement).

   • Choose the goal you want to link.

3. Choose Provider & Amount

   • Select the leasing provider (e.g., Monetary Metals).

   • Enter the amount of gold or silver you wish to link from your goal balance.

   • Instantly view the Yearly Return Value in AED and grams.

4. Confirm Linking

   • Review details including:

     • Goal Name (e.g., Dream House)

     • Metal Type (Gold/Silver)

     • Provider (Monetary Metals)

     • Yearly Return Estimate

   • Tap Confirm & Link to finalize.

5. Goal Successfully Linked

   • Once linked, your goal will appear under Linked Goals on the dashboard with:

     • The goal name

     • The amount linked

     • The expected yearly return (in AED).

Example: Dream House – Gold: 12.5g | Return/Y: 45.91 AED

Unlinking a Goal

If you want to stop a goal from earning leasing returns, you can unlink it anytime.

Steps:

1. Tap the ‘X’ icon next to the linked goal.

2. Review the confirmation message:

   • It will show the goal name and return details.

   • You’ll be informed that unlinking removes the goal from your earning pool.

3. Choose:

   • Yes, Unlink Goal – to proceed, or

   • Keep Linked – to cancel.

Once unlinked, the goal will stop generating returns but can be re-linked later.

Earnings Calculator Integration with Goals

Before linking or leasing, you can estimate how much your gold or silver could earn:

• Tap Calculate on the dashboard.

• Choose your metal and enter the amount.

• View projected returns over 1, 3, or 5 years.

• Tap Start Earning to begin leasing or link it directly to a goal.

Linked Goals Overview

After linking, all your active goals appear under the Linked Goals section on your dashboard, displaying:

• Goal name and type (Gold/Silver)

• Linked weight (g)

• Estimated yearly returns (in AED)

You can manage or unlink them anytime for full control.

Reclaim Your Leased Metals

1. Tap Reclaim from the Leasing menu.

2. Choose between Gold or Silver tabs.

3. View your available balance (e.g., 152.7g).

4. Enter the amount you wish to reclaim manually or use quick options — 10g, 100g, or Max.

5. Tap Reclaim [amount]g.

6. Review the confirmation screen showing:

   • Metal type (Gold/Silver)

   • Estimated processing time (e.g., within 24h)

7. Tap Confirm.

8. You’ll see a success message:

   • “Reclaim request submitted successfully!”

   • Your reclaimed amount will return to your balance within 1–2 business days.

9. Choose View History or Back to Leasing.

Updated Terms & Risk Disclosure

1. If OGold updates its legal agreements, a screen will appear:

   • “We’ve updated our Terms of Use and Risk Disclosure.”

2. Review the Terms & Conditions and Risk Disclosure documents:

   • Eligibility: Must be 18+ and legally capable.

   • Our Services: Covers buying/selling digital metals, managing settings, and redeeming metals.

   • Risks: Includes Market Risk, Counterparty Risk, and Return Variability.

3. Tick the checkbox “I agree to new Terms & Conditions and Risk Disclosure.”

4. Tap Accept.

5. You’ll see a confirmation banner: “Agreement updated successfully.”

6. You can now continue using Leasing features like Create Lease or Earn.

The Leasing Notifications & Alerts feature keeps users informed in real time about every key event related to their leasing activities. These smart notifications ensure users never miss updates on rewards, transactions, settings, or important account actions.

Notification Types

1. Earnings Notifications

• Example: “You’ve earned +0.002g today ”

• Purpose: Alerts users when new gold rewards are added automatically to their account.

• Frequency: Sent daily or based on reward triggers.

2. Wallet Credit Notifications

• Example: “+100 AED to your wallet ”

• Purpose: Informs users of successful AED deposits or lease payouts.

• Action: Users can view details in the Leasing Dashboard.

3. Policy Update Alerts

• Example: “We’ve updated our Terms & Conditions 🌼”

• Purpose: Notifies users about updates to terms that require review before continuing to use all features.

4. Auto-Lease Status Updates

• Activated:

  • Message: “Auto-Lease is now active ”

  • Meaning: Rewards will be reinvested automatically.

• Deactivated:

  • Message: “Auto-Lease is now turned off ”

  • Meaning: Auto-Lease has been paused; users can reactivate it anytime from their dashboard.

5. Weekly Returns Report

• Example: “Your weekly returns report is ready ”

• Purpose: Summarizes how the user’s leased gold performed during the week.

• Action: Users can review insights from the notification link or the Performance Dashboard.

6. Verification Reminder

• Example: “You have 1 pending step to unlock all features.”

• Purpose: Reminds users to complete KYC or other verifications to enable all account features.

Benefits of Leasing Alerts

• Real-time awareness: Stay informed about all leasing-related updates.

• Transparency: Every change—earnings, wallet credits, and policies—is clearly communicated.

• Security: Users are instantly notified about Auto-Lease status changes or pending actions.

• Engagement: Encourages users to check performance reports and maintain active leasing participation.

Summary

Leasing Notifications & Alerts are designed to deliver clarity, control, and confidence.
From daily gold earnings to Auto-Lease changes and weekly summaries, every message ensures users are always up to date with their leasing journey—right from their lock screen.