# Perfolio

> Perfolio is a gold-backed lending platform. Buy XAUT digital gold backed 1:1 by physical gold in Swiss vaults. Borrow USDT at ~3% APR with no credit checks, no EMIs. Built by Billion Impact, Inc.

For complete product content, see: https://perfolio.ai/llms-full.txt

## Product Summary

- **What:** Gold-backed lending platform -- buy digital gold (XAUT), borrow stablecoins against it
- **Gold:** XAUT by Tether, backed 1:1 by physical gold in Swiss vaults, audited quarterly by BDO Italia
- **Lending:** Non-custodial smart contract on Ethereum via Morpho Blue protocol
- **Rate:** Variable APR starting from ~3%, driven by market supply/demand
- **LTV:** Borrow up to 77% of gold value
- **Repayment:** No EMIs, no deadlines, no penalties -- repay anytime
- **Access:** No credit checks, no income verification, start with as low as $10
- **Company:** Billion Impact, Inc., New York, NY
- **App:** https://app.perfolio.ai

## Main Pages

- [Home](https://perfolio.ai/): Buy gold, borrow against it, repay anytime. Start with as low as $10.
- [About](https://perfolio.ai/about): Company info, vision, and mission of Billion Impact, Inc.
- [Why Gold?](https://perfolio.ai/about/gold): The thesis behind saving in gold instead of depreciating currencies.
- [XAUT Digital Gold](https://perfolio.ai/about/gold-standard): How XAUT (Tether Gold) works — 1:1 Swiss vault-backed digital gold.
- [Borrowing Vault](https://perfolio.ai/about/borrowing-vault): How gold-backed lending works via Morpho Blue smart contracts.
- [How It Works](https://perfolio.ai/how-it-works): Three-step process — lock gold, borrow USD, repay anytime.

## Use Cases

- [Mortgage Downpayment](https://perfolio.ai/use-cases/mortgage): Fund your home downpayment using gold-backed borrowing.
- [Real Estate Investment](https://perfolio.ai/use-cases/real-estate): Invest in property without selling your gold.
- [Loan EMI Strategy](https://perfolio.ai/use-cases/loan-emi): Turn EMI payments into a gold wealth-building strategy via DCA.
- [Business Expansion](https://perfolio.ai/use-cases/business): Access working capital instantly with no equity dilution.
- [Education Funding](https://perfolio.ai/use-cases/education): Fund tuition at ~3% APR — lower than most student loans.
- [Investment Opportunities](https://perfolio.ai/use-cases/investments): Leverage gold holdings to capture time-sensitive investments.

## Support & Legal

- [Support & FAQ](https://perfolio.ai/support): Common questions about gold-backed lending, security, and fees.
- [Terms of Service](https://perfolio.ai/terms): Legal terms governing use of the Perfolio platform.
- [Privacy Policy](https://perfolio.ai/privacy): How Perfolio collects, uses, and protects your data.