# DIGISAFE — Make Your Gold Work! > Mobile platform for gold-backed consumer loans and secure jewelry storage. (iPhone/iPad app by DIGISAFE Credit Union, CJSC.) - Source: https://appshunter.io/ios/app/digisafe/id1584237784 (this page in markdown: same URL + `.md`) - Developer: [DIGISAFE Credit Union, CJSC](https://appshunter.io/developer/1584238086) - Category: Finance, Lifestyle - Price: Free - Rating: 5.00/5 from 2 App Store ratings - Age rating: 4+ - Requires: iOS 14 · 35 MB - Languages: Armenian, English - Released: 2021-10-25 - Data updated: 2026-06-04 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/digisafe/id1584237784/reviews.md ## What is DIGISAFE? "DIGISAFE" is the fintech credit organization which provides gold pledged consumer loans via mobile application. Gold pledged evaluated and with that amount, a loan limit opened for a client, who can take the loan remotely at any time, by one or several withdrawals. Client can repay the loan or part of the loan anytime, save interest and take the loan again when needed. Once the loan agreement is expired, a client can retake the new loan remotely, at any time using the same pledge. You have gold jewelry but you don't need a loan now? Then keep your jewelry with us, in secure place, free of charge and get loan limit in your mobile. Take the loan via mobile application only when you need money, if not, take your gold jewelry back whenever you wish. You want to travel, but thinking where to keep your gold jewelry? Secure your gold jewelry with us free of charge and travel with no worries. Take instant loan when you will need money abroad. Repay the loan, or part of the loan, save interest and retake the loan, remotely as many times as you wish. Our product works like revolving lines of credit. You can repay the loan whenever you don't need money and you can retake the loan whenever you need money again. You will pay interest only for the days you used the loan. Client can take the loan via mobile application choosing one of the following channels 1. Credit Cards 2. ATM 3. Electronic wallets 4. Cobranded Cards - Minimum Loan repayment period in full is set to 1 year (365 days) and maximum loan repayment period is set to 2 years (730 days), however clients are free to make full repayment of the loan, without any penalty, when they wish. Clients will pay interest only for days when they use the credit. - Maximum Annual Percentage Rate (APR) cannot be more than 31.93%. It includes interest rate, any monthly fee, service and other fees applied. (Current APR is 26.75%) - Total cost of the loan include interest + monthly or service fee (if applicable) + one-time charges for getting loan (if creditor used the payable options of getting loan) For example, 100.000 Armenian Dram Loan total cost for 12 months period will be 124.000 Armenian Dram. Calculation Example Loan amount - 100,000 Armenian Dram Loan maturity - 12 month Loan annual interest rate - 24% Loan service fee - 0% Loan disbursement fee - 0% Loan repayment - Bullet Loan disbursement date - 05 October 2021. Loan Annual Percentage Rate - 26,75% Total Loan Cost: 124.000 Armenian Dram ## Key features - Gold-backed consumer loans - Remote loan access - Flexible repayment options - Free secure jewelry storage - Revolving credit line functionality - Multiple loan disbursement channels ## Frequently asked questions about DIGISAFE ### What is DIGISAFE? DIGISAFE is a fintech credit organization that offers gold-backed consumer loans through a mobile application. It allows users to secure their gold jewelry and access loan limits remotely. ### How does DIGISAFE secure my gold jewelry? Users can store their gold jewelry with DIGISAFE free of charge. This service allows you to travel or be away without worry, while still maintaining a loan limit accessible via your mobile. ### What are the loan repayment terms for DIGISAFE? The minimum loan repayment period is 1 year (365 days) and the maximum is 2 years (730 days). However, clients can repay the loan or any part of it at any time without penalty, paying interest only for the days the credit is used. ### What is the maximum Annual Percentage Rate (APR) for DIGISAFE loans? The maximum APR for DIGISAFE loans cannot exceed 31.93%. The current APR is 26.75%, which includes interest rates, monthly fees, and other applicable charges. ### How can I receive a loan from DIGISAFE? Loans can be taken via the mobile application through several channels, including credit cards, ATMs, electronic wallets, and cobranded cards. ### Can I take out a new loan after repaying my DIGISAFE loan? Yes, after your loan agreement expires, you can retake a new loan remotely at any time using the same pledged gold. The system functions like revolving lines of credit. ### Is DIGISAFE available on multiple devices? Based on the provided data, DIGISAFE is supported on iPhone and iPod devices, indicating it is primarily available on iOS platforms. ### How often is DIGISAFE updated? The latest version of DIGISAFE is 2.7.2, and it was last updated on July 17, 2025. This suggests a relatively active update schedule for the application. ## Version history (last 5 releases) ### 2.7.2 — 2025-07-17 This update includes bugfixes and enhancements for more smoother experience ### 2.7.1 — 2025-02-19 This update includes bugfixes and enhancements for more smoother experience ### 2.7.0 — 2025-02-06 Intoducing loyalty program “Digicoin”! Clients who make payments on time will get loyalty points, which later can be used to decrease the loan interest rate. - Interest rate added for each loan in “My loans” page - Widgets added for total loans, total number and outstanding amount of loans in top of “My loans” page - Changed upper widget on "MyPledges" page to show “amount payable” for each selected pledges - Added branch name for each pledge in MySafe page - this version also includes bugfixes and performance enhacments for more smoother experience ### 2.6.1 — 2023-11-23 This release includes bug fixes and performance improvements ### 2.6.0 — 2023-11-08 This update is introducing the new design of Loan Details and Payment pages, new iDram payment options and a lot of fixes and performance improvements! 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