HelloGold is a financial inclusion platform that digitizes and democratizes gold fractional ownership, enabling mass market consumers to access micro savings in investment grade gold through a mobile app (both Android and iOS). The mobile apps allow users to save, borrow and send gold at a minimum transaction threshold of ~USD0.25 and at international spot prices. Customers have direct ownership of the gold they buy. The gold bullion is stored in a vault in Singapore, fully insured against physical loss, and is fully redeemable as physical bars and coins or as cash. HelloGold users have the opportunity to better preserve and diversify their wealth, as well as the ability to access short term financing by collateralizing their gold. HelloGold has done an initial launch in Malaysia due to its high smartphone penetration of 190% and sizeable target segment. Perhaps, more importantly, given that HelloGold is the first Shariah certified digital gold scheme in the world that is fully compliant with the new AAOIFI standard on gold for saving and for lending, theybelieve it is strategically sound to initially offer HelloGold in one of the most advanced Islamic finance markets in the world. On top of the core business goals, HelloGold aims to advance the blockchain industry. HelloGold is developing an application using blockchain for the mass market, where end users benefit from the application of the technology without needing in-depth knowledge of the underlying technology. Additionally, for decentralization and disintermediation, HelloGold will expand the blockchain elements of the core product to create a gold backed cryptocurrency, using smart contracts to digitize gold and make it exchangeable with other crypto and fiat currencies; thereby expanding the use of blockchain, cryptocurrency and moving the vaulted gold from being only within the HelloGold system to a more widely accessible store of value. Once the digital gold tokens (GBT) are successfully traded on exchanges, the tokens will be directly available for purchase. This will create a stable cryptocurrency fully backed by physical investment grade gold. The HelloGold Foundation is an organisation that is made up of ex-regulators, business experts and technologists who all possess a wide breadth of knowledge and experience in their respective fields. We are both heavily vested in blockchain technology and focused on expanding the availability of products that are targeted at helping the underserved and unbanked. HelloGold currently has more than 20,000 users buying gold through its mobile app, and has also launched last January GOLDX, the only fully-allocated investment grade gold-backed ERC20 token. HGT token holders are rewarded with discretionary monthly airdrops in the form of GOLDX.