aid: jar-app name: Jar description: >- Jar is a Bengaluru-based fintech company operating India's first micro-savings app, enabling tens of millions of Indians to save in 24K digital gold from as little as ₹10. The app supports daily, weekly, monthly, and instant savings mechanisms, plus a round-up feature that automatically invests spare change from everyday transactions into 99.5%+ pure digital gold held in insured vaults. Founded in 2021 by Nishchay AG (CEO) and Misbah Ashraf (CPO) under Changejar Technologies Private Limited, Jar has grown to 50+ million registered users across 12,000+ Indian zip codes. The company recently vertically integrated its gold operations, moving away from a third-party distribution model to purchase, store, and manage gold directly. Jar partners with Brink's for global custody, ICICI Lombard for insurance, Vistra as independent trustee, and BDO as statutory auditor. Adjacent products include Nek, a direct-to-consumer gold and silver jewellery brand sold via shopnek.com. Jar reached profitability in 2025 after backing from Tiger Global, Arkam Ventures, Rainfall Ventures, Yes VC, and others at a $300M+ valuation, and is preparing for an IPO. There is no public developer API, SDK, or partner integration program — Jar is a B2C consumer mobile app distributed exclusively through Apple App Store and Google Play. type: Index position: Provider access: 3rd-Party image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg tags: - Fintech - Micro Savings - Digital Gold - Gold Investment - Consumer Finance - Mobile App - India - Bengaluru - Wealth Management - Personal Finance - Round Up Savings - Jewellery url: https://raw.githubusercontent.com/api-evangelist/jar-app/refs/heads/main/apis.yml created: '2026-05-24' modified: '2026-05-24' specificationVersion: '0.20' apis: [] common: - type: DomainSecurity url: security/jar-app-domain-security.yml - type: Website url: https://www.myjar.app - type: About url: https://www.myjar.app/about - type: Blog url: https://www.myjar.app/blog - type: Help url: https://www.myjar.app/help - type: FAQ url: https://www.myjar.app/help - type: Careers url: https://www.myjar.app/careers - type: PrivacyPolicy url: https://www.myjar.app/privacy-policy - type: TermsOfService url: https://www.myjar.app/terms-and-conditions - type: SecurityPolicy url: https://www.myjar.app/isms-policy - type: AppStore url: https://apps.apple.com/in/app/jar-app-daily-savings-in-gold/id1597085873 - type: GooglePlay url: https://play.google.com/store/apps/details?id=money.jar - type: Jewellery url: https://www.shopnek.com - type: Crunchbase url: https://www.crunchbase.com/organization/jar-09f5 - type: LinkedIn url: https://www.linkedin.com/company/myjar - type: Instagram url: https://www.instagram.com/jar_app - type: Twitter url: https://twitter.com/jar_app - type: YouTube url: https://www.youtube.com/@jar_app - type: Features data: - name: Daily Savings description: Automated daily purchases of 24K digital gold from ₹10. - name: Weekly Savings description: Scheduled weekly digital gold purchases. - name: Monthly Savings description: Scheduled monthly digital gold purchases for goal-based saving. - name: Instant Savings description: One-tap on-demand digital gold purchases. - name: Round-Up Savings description: Automatically invests spare change from daily transactions into digital gold. - name: 24K Digital Gold description: 99.5%+ pure gold stored in insured vaults with Brink's as global custody partner. - name: Insured Custody description: Gold holdings insured by ICICI Lombard with Vistra acting as independent trustee. - name: Live Gold Pricing description: Real-time gold rate tracking and conversion across all transactions. - name: Instant Withdrawal description: Sell digital gold and receive funds back to a linked bank account on demand. - name: Physical Delivery description: Convert digital gold holdings into physical gold coins or Nek jewellery. - name: Nek Jewellery description: Direct-to-consumer gold and silver jewellery brand integrated with Jar holdings. - name: Segregated Escrow description: User funds held in segregated escrow accounts separate from company funds. - name: Multi-Factor Authentication description: MFA protection across login and high-value transactions. - type: UseCases data: - name: Habit-Based Saving description: Build a daily savings habit through small, automated contributions in gold. - name: Inflation Hedge description: Park rupees in 24K gold to hedge against domestic inflation. - name: Festival and Wedding Goal Saving description: Save toward culturally significant gold purchases for weddings and festivals. - name: Financial Inclusion description: Bring first-time savers and unbanked / underbanked users into formal financial products via low ticket sizes. - name: Spare Change Investing description: Convert round-up amounts from daily UPI / card transactions into long-term gold holdings. - name: Gifting Gold description: Send small denominations of digital gold as gifts within India. - type: Integrations data: - name: Brink's description: Global custody partner securing physical gold backing Jar digital holdings. - name: ICICI Lombard description: Insurance partner covering the gold held in custody. - name: Vistra description: Independent trustee performing audits over user gold balances. - name: BDO description: Statutory auditor of Changejar Technologies Private Limited. - name: UPI description: Unified Payments Interface used as the primary payment rail for buy/sell transactions. - name: Apple App Store description: Primary iOS distribution channel for the Jar mobile app. - name: Google Play description: Primary Android distribution channel for the Jar mobile app. - name: Nek (shopnek.com) description: Sister jewellery brand for converting digital gold holdings into physical jewellery. - type: Solutions data: - name: Jar Savings App description: Core consumer mobile app for automated 24K digital gold micro-savings. - name: Nek Jewellery description: D2C gold and silver jewellery line for redeeming or supplementing Jar gold holdings. maintainers: - FN: Kin Lane email: kin@apievangelist.com