Start with Gold. Graduate to Credit.

Save Effortlessly.
Build Wealth Automatically.

FirstCred turns your everyday spending into digital gold investments today, and builds your credit history for tomorrow.

Join the Waitlist

How It Works

1

Connect Your Bank
(Secure & RBI Regulated)

Link your bank account and give one time consent to view transactions via an RBI licensed Account Aggregator. Your data stays encrypted and under your control.

2

Set Up AutoPay Once

Enable UPI AutoPay for seamless, automatic micro savings. We only deduct when it makes sense for you.

3

Save as You Spend

Choose to round up your spare change or save a fixed percentage.

We track your spends and accumulate savings in the background. Once the pot fills up, we auto invest it for you.

Why FirstCred?

Zero Effort Required

Savings happen in the background while you spend as usual

Disciplined Wealth

Consistent micro investments add up without you noticing

Digital Gold Asset

Your savings are stored in a tangible, inflation-resistant form

Complete Control

Adjust your percentage or pause anytime with a single tap

Coming Soon

Turn Gold Savings into Credit Power

Your Security,
Our Priority

  • Bank-Grade Security: We use AES-256 bit encryption and partner strictly with RBI-regulated entities to handle your data.
  • You Are In Control: View every transaction in real-time. Pause savings or withdraw funds back to your bank account instantly, anytime.
  • Non-Custodial: We never touch your money. Funds move directly from your bank to the secure gold vault via regulated gateways.

Transparent. Secure. Built for you.

Get Early Access

Be among the first to experience smarter savings.

Early members get priority access and exclusive onboarding benefits.