This is all it takes to own gold
Easy enough to start in minutes, right at your fingertips.
The journey
How it would work under the hood
Because you deserve to know what actually happens to your money
- 1
Your money goes to the exchange, not us
When you click buy, your funds are used to purchase a gold contract on the exchange (more on this below). Pebble is just the pipe that connects you to it. We're not the ones holding your money.
- 2
What PMEX is, and why it matters
The Pakistan Mercantile Exchange is the country's regulated commodities exchange. Trading through it means real oversight and real, physically-backed gold. You can find more details about PMEX here.
- 3
“Physically-backed” means actual gold behind it
PMEX lets you buy fractions of real, physical gold through their milli tola product, a physically-deliverable contract. In plain terms, the gold contract you buy has actual physical gold behind it, vaulted, audited, and secured by PMEX.
- 4
Where the price comes from
You buy and sell at the live exchange rate for gold, fed directly by PMEX. The rate comes from the exchange, not from us.
- 5
And if Pebble disappears? Your gold doesn't.
Because your holding sits at the exchange, it isn't ours to lose. That's the whole point of doing this the regulated way.
Good questions at this point
What do I need to open an account?
Just your CNIC, your bank details, and a few basic personal details. That's the standard identity check any regulated account requires, and it's all done inside the app. No branch visit, no paperwork.
What does it cost me to buy?
We haven't finalised the fee structure yet, so we're not going to quote you a number we might change. When it's set, we'll spell it out plainly, every charge, before you ever pay it. No surprises, no fine print.
What's the smallest amount I can start with?
0.1 grams of gold, which is a genuinely small first step. The idea is to let you begin with the minimum, see how it feels, and add more only when you're ready. There's no pressure to start big.
Is my gold actually real, and where is it kept?
Yes, it's real, physically-backed gold, not a number in an app. When you buy, you're buying into PMEX's milli tola contract, which is backed by actual physical gold held in a secure vault at the exchange. It sits there, in your holding, until you choose to sell. So what you own is a real claim on real metal, kept safe by a regulated exchange rather than by us.
How fast can I turn it back into cash?
You can sell your gold any time the market's open, and the amount lands in your exchange wallet. From there you can withdraw it to your bank, which usually takes 1 to 2 working days (weekends not included). So selling is quick, and the cash reaches you within a couple of business days.