Chirayu Software Solutions

On a quiet Friday night, when liquidity is thin and most participants are flat-footed, CME Clearing dropped a bombshell. Advisory 25-393 . Margins were raised across nearly every precious metals contract—effective immediately. Silver : +$3,000 to $25,000 per contract Gold : +$2,000 to $22,000 per contract Platinum : +23% Palladium : +20% This was not an isolated move. It was the second margin hike in just 17 days . For anyone who has studied the history of precious metals markets, the playbook is unmistakable. And it is not comforting. The Old Playbook: Margin Hikes as Market Weapons Margin hikes are often framed as “risk management.” In reality, they are one of the most powerful tools exchanges possess to force liquidation . We’ve seen this movie before. 1980 : COMEX implemented Silver Rule 7 , changing margin requirements overnight. The Hunt Brothers—who were heavily long—were bankrupted. Silver collapsed. 2011 : Five margin hikes in nine days triggered a 30% cras...

 India's Gold Buyback Strategy: A Silver Bullet for Economic Growth? Unlocking Idle Wealth Through Strategic Gold Monetization India sits on a massive treasure trove—approximately $5 trillion worth of gold held by households, equivalent to 35,000 tonnes. This represents the world's largest pool of domestic savings outside the formal financial system. However, much of this wealth remains idle and unproductive in the parallel economy. A recent Morgan Stanley report suggests that bringing even a portion of this gold into the mainstream economy could yield significant economic benefits for the nation. The RBI's Proposed Gold Purchase Program The Reserve Bank of India is considering a structured gold purchase program that could transform this dormant asset into productive capital. Here's how the proposed scheme would work: Payment Structure: 65% of the gold's value would be paid immediately in cash The remaining 35% would be converted into 29-year zero-coupon gov...

India Opens First Round of Gold Import Quota Allocation Under UAE Trade Agreement Comprehensive Guide to the India-UAE CEPA Gold TRQ Tender Process (FY 2025-26) Executive Summary The Directorate General of Foreign Trade (DGFT) has announced the first competitive bidding round for Gold Tariff Rate Quota (TRQ) allocations under the India-UAE Comprehensive Economic Partnership Agreement (CEPA) for the financial year 2025-26. This marks a significant shift in India's approach to gold imports, introducing a transparent e-auction mechanism exclusively for Micro and Small Enterprises in this initial round. Key Highlights Allocation Details: Total Quantity: 30 metric tons (MT) in the current round, with potential extension to 45 MT Eligible Participants: Restricted to Micro and Small Enterprises (MSMEs) only Maximum Allocation: 10 kg for Micro units, 25 kg for Small units Bidding Platform: MSTC e-commerce portal Timeline: Bids open December 29, 2025; closing January 2, 2026 Back...

 HUID in Silver Jewellery: A New Era of Trust, Transparency, and Purity in India The Ministry of Consumer Affairs, Food & Public Distribution announced the successful implementation of mandatory Hallmark Unique Identification (HUID) for silver jewellery and artefacts from 1st September 2025 . Within just three months, over 17 lakh silver items have been hallmarked under this system — reflecting growing trust among both jewellers and consumers. The initiative, led by the Bureau of Indian Standards (BIS) , aims to strengthen purity assurance, eliminate fake hallmarking, and enhance consumer protection through digital traceability . Each hallmarked silver item now carries a unique 6-digit alphanumeric code (HUID) laser-marked on the jewellery, ensuring full transparency from manufacturing to sale. The BIS Care mobile app (available on Android and iOS) allows consumers to verify the authenticity of hallmarked items in real-time, displaying purity, item type, jeweller details,...

  Top 10 Digital Gold Apps in Singapore (Brief Guide) Singapore is one of Asia’s safest and most trusted hubs for gold investing. With digital gold platforms growing in popularity, investors can now buy and store real gold online with ease, low minimums, and secure vaulting. Here’s a quick look at the top 10 digital gold apps & platforms in Singapore . 1. GoldPay.sg A popular app offering online gold buying backed by real bullion stored in secure vaults. Low minimums and easy buy/sell features. 2. GSC Live! (GoldSilver Central) Real-time gold, silver, and platinum trading with tight spreads. Physical delivery available. Great for active investors. 3. BullionStar A leading bullion dealer offering online purchases, vault storage, and a gold savings program. Ideal for long-term holders. 4. UOB Gold Savings Account Bank-backed digital gold solution. Buy and track gold online via UOB, with the option to convert to physical bars. 5. Everest Gold A digitalised gold trading...

  What Are the Top 10 Digital Gold Apps in UAE? (2025 Guide) Gold has always been one of the most trusted and culturally significant investment choices in the UAE. But as technology reshapes the financial world, the way people buy, store, and sell gold is changing rapidly. Digital gold apps now allow UAE residents to invest in real, 24K gold using their smartphones — without worrying about storage, purity checks, or safety. Whether you are a small saver, a long-term investor, or someone who wants the option to redeem physical gold later, digital gold platforms offer convenience, transparency, and security. In this blog, we explore the top 10 digital gold apps in the UAE , what they offer, and how to choose the best one for your needs. 1. Just Gold Just Gold is one of the fastest-growing digital gold platforms in the UAE. Key features: Start investing with as little as AED 10 24K gold backed by physical reserves Shariah-compliant Vaulted and insured gold storage ...

  Top 10 Digital Gold Apps in Dubai (UAE) – 2025 Guide Dubai is one of the world’s biggest gold hubs. From gold souks to bullion banks, gold is deeply rooted in the city’s culture and economy. But in recent years, digital gold has taken off rapidly. With just a mobile app, you can now buy, store, track, and even redeem real 24K gold — without visiting a store or handling physical bars. If you’re looking for the best digital gold apps in Dubai , this curated list of the top 10 platforms will help you choose the safest and most convenient options. 🟡 What Is Digital Gold? Digital gold allows you to buy real, investment-grade 24K gold online. The gold is: Stored in secure, insured vaults Backed 1:1 with physical metal Purchasable in small fractions (even 0.1g or AED 10) Redeemable in the form of coins or bars (on select apps) For residents and expats in Dubai, digital gold offers flexibility, transparency, and the ability to invest without large upfront costs. ...

 💎 What is “Digital Gold” — and Why It Matters in Dubai / UAE Digital gold is a modern way to own 24-carat (or near-100% purity) real gold via a mobile or web app, without immediately taking delivery of physical jewellery or bars. Instead, the gold is held in secure, insured vaults, and you own a digital claim to “your grams.” In Dubai and the UAE, this offers benefits such as: Start with a small investment — you don’t need to buy a full bar or large quantity. Live — often real-time — gold pricing. Ability to buy or sell quickly. Option (with some platforms) to redeem for physical gold — bars, coins, or jewellery — when you want. Avoid the hassles of storing and securing physical gold yourself. For expats, frequent travellers, or people who want flexible gold exposure, it can be a convenient alternative to traditional bullion or jewellery buying. ✅ What Makes a “Top” Digital Gold App in UAE When selecting a “top” app, I looked for platforms that: Offer 24 ...

  How to Invest in Digital Gold with the Gullak App  Investing in gold has always been a part of Indian financial culture. But physical gold comes with challenges like storage, safety, and making charges. That’s why digital gold has become one of the most convenient and popular ways to invest in 24K pure gold. If you're using the Gullak App , you already know it’s a smart platform for saving micro amounts of money. What makes it even better is that Gullak also allows you to invest directly in digital gold , making wealth-building effortless. Here’s a complete guide on how to start investing in digital gold using the Gullak App. 🌟 Why Choose Digital Gold? Before we get into how to invest, here’s why digital gold is a smart choice: ✔ 99.9% pure (24K) gold backed by physical reserves ✔ Safe & insured vault storage ✔ Start with as low as ₹10 ✔ Buy or sell instantly at live market prices ✔ Option to convert to physical gold (if supported) ✔ Perfect for...

 📈 Why Digital Gold Apps Are So Popular in India Digital gold apps let you buy small fractions of 24-carat, 99.9 %+ pure gold, have that gold stored securely in vaults, and optionally redeem it as coins/bars or sell anytime. Key advantages: Invest with small amounts (₹1, ₹10, or ₹100) rather than buying full jewellery or bars.  Liquidity: buy/sell anytime at live market rates.  No hassles of storing physical gold yourself, no making charges, no custody worries — gold is stored in insured vaults managed by reputed refiners/partners.  Combines convenience of mobile apps / UPI with gold investing.  Given these benefits, a long list of fintech platforms, wallets, and investment apps in India now support digital gold. ✅ What Criteria I Used to Pick Apps for “Top Digital Gold” List When creating the list below, I considered: Frequency of mention across multiple trusted reviews, blogs and news (2024–2025). A clear digital-gold offering (buy/se...