A bridge between traditional value and modern technology
Who they are
Phi Wallet is a Lisbon (Portugal)-based fintech company with teams spread across multiple countries. Since 2020, Phi Wallet has been working to make gold accessible within the digital economy and has now been operational for over two years, with a globally growing user base.
What they do
Phi Wallet is a fintech company that makes real, 1-to-1 backed gold usable in digital payments — secure, transparent, and halal. It offers a payment and savings solution that allows users to hold value in gold and practically use that value for payments and transfers.
It offers a payment and savings solution that allows users to hold value in gold and practically use that value for payments and transfers.
The Solution - What makes Phi Wallet unique
Phi Wallet offers a groundbreaking solution by instantly converting digital money into real gold and making that gold usable as a means of payment. With a single app, users can securely store value in physical gold, send or convert that gold into cash, and even make payments or salary disbursements based on the real-time value of gold. All from anywhere in the world.
Every transaction is fully transparent, powered by blockchain technology (XRPL) and backed 1-to-1 by physical gold securely stored and insured in vaults. In this way, Phi Wallet combines the stability and security of gold with the speed and practicality of digital money — a unique bridge between traditional value and modern technology.
Safe, transparent, and fully sharia-compliant.
In short:
1. Convert: digital money is instantly converted into physical gold.
2. Store: that gold is 1-to-1 personal ownership and is securely stored in insured vaults.
3. Use: with the (upcoming) linked Phi Card and app, users can make payments, transfer money internationally, or receive salaries based on their current gold value.
4. Exchange: gold ↔ money can be exchanged at any time, directly within the app.
Why this is different:
– Not just buying gold, but using gold as a means of payment.
– Real physical ownership combined with the speed of digital money.
– Blockchain transparency (XRPL) and a Sharia-compliant structure.
Why are they raising investments now?
The capital raised will be used to accelerate European expansion, strengthen the platform’s technical development, and enter new markets. Phi Wallet aims to further establish its position as a global pioneer in gold-based, ethical, and sharia-compliant financial solutions.
Investment Offer
Phi Wallet has reached a market valuation of $120 million in a short time and, through Tawfiq Invest, offers investors the unique opportunity to take part in a rapidly growing fintech that brings together gold and digital payments.
The fintech market is highly dynamic and moves very fast. The current round offers a limited investment window, meaning valuations, offers, terms, and share availability can change quickly. The offers on our website are therefore listed as indicative only until an investor officially joins and the terms are confirmed in writing.
Invest in a project that bridges stability, innovation, and Sharia-compliant growth. stabiliteit, innovatie en sharia-conforme groei.
- Investment structure: Aandeelhouderschap (mushaarakah)
- Current round: Pre-Series A round
- Target amount Phi Wallet: $12 miljoen
- Target amount Tawfiq Invest: €500.000,-
- Minimum investment amount per investor: €100.000,- (€50.000,- subject to approval and availability)
More information
Would you like to learn more about this project and the investment opportunities? Register for our exclusive online info session (maximum 40 participants), where we, together with the Phi Wallet team, will present the project in detail and answer your questions.
FAQ
Would you like to learn more about this project and the investment opportunities? Register for our exclusive online info session (maximum 40 participants), where we, together with the Phi Wallet team, will present the project in detail and answer your questions.
Who is Phi Wallet?
- Headquarter: Avenida da Liberdade 262, R/C esquerdo, 1250-149 Lisboa, Portugal.
Portuguese Chamber of Commerce NIPC: 516547186
Gold Dealer License: T7164
Phi Wallet is one of the few worldwide that offers the opportunity to invest in gold in a halal way.
- All gold is purchased according to the highest standards on the London LBMA market.
What return can I expect?
I want more info
Voor meer informatie kun je je inschrijven voor de infosessie. Tijdens deze sessie lichten wij samen met de projecteigenaar Phi Wallet uitgebreid toe en kun je al je vragen stellen. Je kunt je aanmelden via het formulier onderaan deze pagina.
Numbers & Growth
After more than 28 months in operation
Revenue
Active users
Annual growth
Has your interest been sparked and would you like more information?
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