Frequently Asked Questions

T-Gold represents Tokenized Gold Depository Points (TGDPs). Each TGDP equals 0.1 gram of pure gold. When you earmark your physical gold jewelry, it gets tokenized into TGDPs at a rate of 10 TGDPs per gram of pure gold content. These digital tokens can be traded, converted to FTRs, or withdrawn as cash.

To mint TGDPs:

1. Log into your T-Gold dashboard
2. Click "Mint TGDPs"
3. Enter your jewelry details (item type, gross weight, purity/karats)
4. Upload purity certificate from a certified jeweler
5. Submit for verification

Your gold remains in your physical possession - only its value is tokenized. The LBMA benchmark rate determines valuation.

Trading fee: 0% - TGDP operates with zero platform trading fees. You can buy and sell TGDPs freely without any commission on trades. The only fee in the ecosystem is the 4% commission on FTR swaps.

All valuations use the LBMA (London Bullion Market Association) benchmark rate. This is the global standard for gold pricing, updated twice daily. The rate shown in your dashboard reflects real-time LBMA rates converted to INR.

Future Trade Rights (FTRs) are pre-paid credits you receive when you swap your TGDPs. They can be redeemed at partner establishments across five categories:

• Hospitality: Hotels, restaurants, travel
• Healthcare: Hospitals, clinics, pharmacies
• Education: Schools, courses, training
• Retail: Shopping, electronics, apparel
• Travel: Airlines, railways, car rentals

FTRs are valid for 12 months from the date of swap.

The FTR swap commission is 4%. When you convert TGDPs to FTRs, 4% is deducted as a service fee. For example, if you swap 1000 TGDPs, you receive FTRs worth 960 TGDPs.

No, FTR swaps are one-way. Once TGDPs are converted to FTRs, they cannot be converted back. FTRs can only be redeemed at partner establishments. Plan your swaps carefully based on your spending needs.

GICs represent earnings for Licensees. When you become a TGDP Licensee, you earn GICs from your registered households' activities. GICs can be redeemed for cash at current LBMA rates. You earn a 25% revenue share across three income streams.

The license cost is $300 USD per household capacity. This is a one-time fee that grants you the right to register and earn from that household's activities. Most licensees start with 5-10 household capacity and expand based on their network.

Licensees earn 25% revenue share from:

1. Registration Stream: Earn when households you register complete onboarding
2. Minting Stream: Earn when your households mint TGDPs from their gold
3. Trading Stream: Earn from your households' trading activity

All three streams generate ongoing passive income as long as your households remain active.

GICs can be redeemed in your GIC Licensing dashboard. Minimum redemption is 100 GICs. Redemptions are processed within 24-48 hours and paid to your registered bank account at the current LBMA rate.

T-JR (TROT Jewelry Return) is a service for returning old, broken, or unused gold jewelry at fair LBMA-benchmarked value. Instead of selling to local jewelers at discounted rates, you get transparent pricing and can receive payment as T-Gold credits or direct bank transfer.

Valuation is based on:

• Pure gold content (gross weight × purity)
• Current LBMA rate at time of assessment
• Certified jeweler verification

You can choose home pickup or visit a partner jeweler. The process is transparent with no hidden deductions.

T-JDB (TROT Jewelry Design Bank) is a marketplace for IPR-protected jewelry designs from verified Indian artisans. You can browse designs, commission custom pieces, and pay using T-Gold credits or traditional payment methods.

Yes! Register as a Designer through our registration page. You'll need to submit:

• Portfolio of your designs
• Identity verification (KYC)
• Business registration (if applicable)

Once approved, your designs are IPR-protected and you earn from every sale.

File complaints through your respective portal dashboard:

• T-Gold users → T-Gold Dashboard → File Complaint
• Licensees → GIC Dashboard → File Complaint
• T-JR users → T-JR Dashboard → File Complaint
• T-JDB users → T-JDB Dashboard → File Complaint

All complaints are handled by the independent TGDP Ombudsman.

The 5-step protocol typically completes within 14 days:

1. Filing (Day 0)
2. Acknowledgment (24-48 hours)
3. Investigation (3-7 days)
4. Mediation (7-10 days)
5. Resolution (10-14 days)

Urgent cases may be expedited. All decisions are binding.

Yes, appeals can be filed within 7 days of the resolution. Appeals must present new evidence or demonstrate procedural errors. The appeal is reviewed by a different Ombudsman.

Required documents:

• Identity: PAN Card or Passport
• Address: Aadhaar Card or Utility Bill
• Photo: Recent passport-size photograph
• Bank: Cancelled cheque or bank statement

Additional documents may be required for Licensee or Jeweler roles.

Yes, with some restrictions:

• Ombudsman: Cannot combine with any other role (exclusive)
• Jeweler: Cannot be Household, Returnee, Designer, Consultant, or Licensee
• Advertiser: Can combine with any role

You can add roles later through your account settings.

Standard verification takes 24-48 hours. Complex cases (Licensees, Jewelers) may take up to 72 hours. You'll receive email notifications at each step.