Au
79 · GOLD
THE COMPLIANCE OPERATING LAYER FOR GOLD BUYERS

You buy the gold.
The rest files itself.

Vargent turns every counter purchase into one complete, inspection-ready record. Police book, AML, Verifactu invoice, custody and refinery settlement, all generated and filed inside a two-minute sale. Your staff serve the customer. The paperwork takes care of itself.

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THE PROBLEM

Six regulated steps.
All of them on paper.

Identity Police book AML Retention custody Refinery lots Settlement
Deferred work is what inspectors fine.
The back office of a gold-buying shop today: an open paper register, a beige CRT computer and card-file drawers under raking window light
WHY NOW

Two deadlines,
one boom.

The whole market has to move in 2026–27. 2026 is the last calm year to switch before the crunch.

NOW · 2026
Gold at record highs. Boom-level counter volume, maximum admin load.
JAN 2027
Verifactu: tamper-proof invoicing becomes mandatory for Spanish companies.
2027 → 2028
Documented rails become the only rails. The cash trade shrinks.
JUL 2027 · THE CRUNCH
EU AMLR puts every metals trader in scope. €10K cash cap, fines to €10M or 10% of turnover.
THE LAST CALM YEAR TO SWITCHMAXIMUM ADMIN LOAD · MAXIMUM PER-PURCHASE VALUE
PHYSICAL GOLD · DIGITAL RECORD
Every gram
accounted for.
From the piece on the counter to the settled lot, one record holds the whole chain.
Macro photograph of fine gold jewellery and a small cast bar, dramatically side-lit
THE PRODUCT · ONE CONTINUOUS RECORD

One record, from the counter to the refinery.

The legal filings, the custody clock, the settlement, the accounting: they all fall out of the same record as a byproduct. Compliance is invisible at the counter and complete in the record.

INVISIBLE AT THE COUNTER

A two-minute purchase

Staff never do a KYC step, an AML step or a filing step. They serve the customer; the record does the rest.

COMPLETE IN THE RECORD

Evidence, not effort

Photos, IDs, weights, prices and receipts attach themselves. An inspection or a refinery dispute resolves in minutes.

DONE, OR ON YOU. NOTHING IN BETWEEN

One accountable ask

Confident work completes automatically with a receipt. Anything unsure becomes exactly one clear ask, never a silent backlog.

HOW IT WORKS

One record.
The whole operation.

THE SETTLEMENT LOOP

The money nobody’s
counting. Until now.

Refineries settle 0.5–2% differently than they quote: assay deltas, fee schedules, currency hops. Almost no shop checks. Vargent reconciles every lot, expected against actual, flags the variance, and turns it into a recovery you can act on. We only get paid on what we actually recover.

0.5–2%
how much refinery settlements drift from the quote. Money nobody measures today
100%
of lots reconciled expected-vs-actual, every verdict explained and attributable
15–25%
of what we recover is our fee. A success fee, so our incentive is your incentive
Anyone can photograph an item and suggest a price. A record that settles a refinery dispute and stands up in an inspection is the part no incumbent has. That’s the half we own.
PRICING

Priced on the value,
not the software.

Roughly €9K of admin, labor and recovered money per location a year. You pay a fraction of it, and only where it pays off.

Free
Start clean from day one
€0
Free under 100 purchases a month
Start free
Counter capture app, free to install
One clean, inspection-ready record per purchase
Accounting-ready export
No per-transaction charge, ever
MOST POPULAR
Compliance
Compliance done for you
€149–349 /mo·loc
Per location, billed monthly
Request early access
Everything in Free, plus:
Police book, filed automatically
AML screening & seller risk profile
Verifactu-ready invoicing
Retention & custody clock
Human review on exceptions
Chains & books
Oversight for groups
€20–60K /yr
Per group, billed annually
Talk to us
Everything in Compliance, plus:
Group oversight & dashboards
Optional full books-done
Priority onboarding & SLA
ADD-ONS · ON ANY PLAN
Settlement recovery
15–25% SUCCESS FEE

Every refinery lot reconciled, expected vs actual. You only pay on what we recover.

Add settlement →
Catch-up
ONE-OFF

Unstarted past months brought up to date before you go live, priced per month of backlog. Not book clean-ups.

Add catch-up →
2–4×
VALUE COVER

The legacy license plus gestoría line you already pay redirects straight into this. The deadline removes the choice, and the recovered money makes it pay for itself.

FAQ

Questions, answered.

Do my staff have to learn compliance?+

No. Buying is a two-minute flow at the counter: identity, item, weight, price, done. The police book, AML checks and invoice generate and file themselves from that same record. When something is genuinely missing, the system raises exactly one specific question to one accountable person rather than leaving a task for later. Compliance that becomes a separate task becomes deferred work, and deferred work is what supervisors fine.

What happens when an inspector shows up?+

You export. Every purchase carries its own evidence in one chain: seller identity, photos and weights, the price formula that produced the number, the filings, the retention hold, the lot it went into, and the settlement that closed it. Each step is timestamped and attributable. An inspection or a refinery dispute that used to mean a day of digging through folders becomes an export in minutes, because the record was complete when it was created rather than assembled afterwards.

Who is liable if a filing is wrong?+

You remain the obliged entity in every jurisdiction. That is the law and no software changes it. What we take on contractually: we prepare and submit filings as your service provider, under liability caps written into the agreement, and we carry professional indemnity insurance from the first paid pilot. Because every filing keeps its evidence trail and its approval record, fault is determinable rather than arguable. Every filing error has a defined remediation path, and we run it.

Does this report me to anyone?+

No. Vargent prepares and submits the filings the law already requires of you, to the channels you already file to, when you approve them. It does not volunteer anything to any authority on its own, it does not report you to a supervisor, and it has no back channel to anyone. The only party seeing your operating data is you, plus the reviewers assigned to your exceptions, working on pseudonymised queues.

Where is our data stored, and who controls it?+

In the EU. You are the data controller for your sellers’ personal data; Vargent is your processor under a data processing agreement, with standard contractual clauses named in the contract. Review queues are pseudonymised. Model-improvement use is opt-in, not default. You can export everything at any time.

Is the invoicing Verifactu-ready in Spain?+

Invoicing already runs on the statutory lifecycle: hash-chained records, gap-free series, immutable once confirmed. The software certification track is underway against the mandate that starts 1 January 2027 for companies and 1 July 2027 for autónomos. Until certification lands, pilots run behind gestoría-mediated invoicing, so your go-live never waits on a certificate and you are ready well before the deadline rather than in the rush.

What does it cost, really?+

Free under 100 purchases a month, including the accounting feed. Above that, a flat monthly band set by your trailing-quarter volume, €149 to €349 per location. Settlement recovery is a success fee on money we actually recover for you, never on money we don’t. Catching up unstarted past periods is a one-off.

Two things worth knowing. There is no per-transaction charge, deliberately: the next purchase is always free, so nothing is ever cheaper to keep out of the record. And for most shops this redirects the legacy license plus gestoría line you already pay rather than adding a new one.

We already run legacy software. Why switch?+

We match what incumbents do at the counter: intake, police book, invoicing, custody. That part is table stakes and we do not pretend otherwise. The difference is the half nobody covers: reconciling what the refinery actually paid against what your lot should have earned, doing the compliance work rather than handing you a tool for it, and pricing on outcomes instead of licenses. Migration of your existing records is part of onboarding, not a project you run alone.

What if the refinery underpays us?+

That is the module people underestimate. Every lot carries an expected settlement calculated from its own contents. When the assay, fees and payment come back, we reconcile line by line, in your currency, across fee schedules. Variance is not a number on a dashboard: recoverable variance becomes an action, either a question to you or a documented dispute with the refinery, with the evidence attached. Settlements typically vary from expectation by fractions of a percent, which nobody measures and which adds up over a year.

Do I have to change my accountant?+

No. The journal feed is margin-scheme correct and goes to your existing gestoría, who imports it in minutes instead of rebuilding your month from receipts. Full books-done through our accounting partner is available if you want it, and is never required. You keep your accountant, they get a much easier client.

Does it work with my scale? Do I need new hardware?+

Works with what you have. Vargent runs on a phone, tablet or the computer already on the counter. Instrument outputs, including scales and assay devices, are ingested as evidence rather than replaced, so your existing equipment keeps working and your existing brands stay yours. No appliance to buy.

What about buying from businesses, not just consumers?+

Covered. Business sellers, other dealers and aggregators go through the same flow with business verification instead of personal identity: company ID, beneficial ownership, counterparty record. The new EU rules cover those transactions too, and split or deferred payment schedules to the seller are handled as part of the record rather than tracked on the side.

What if the internet drops at the counter?+

You keep buying. Capture works offline and queues locally; records sync, file and reconcile when the connection returns, keeping their original timestamps and evidence. A dropped line delays a filing, it never costs you a purchase or breaks the record.

What happens to our past records?+

They come with you. Migration from your current system is part of onboarding and we do the work. If earlier periods were never properly recorded, catching them up is a defined one-off task with its own quote, so you start compliant rather than starting with a gap behind you.

How long does onboarding take?+

Days, not months. A single shop typically goes live within a week of the kickoff session, chains in stages, location by location. Every new behaviour rolls out to one site first, then wider, so nothing changes across your whole operation at once.

My country isn’t listed yet.+

A new country is a rule pack on the same core, not a rebuild. Finland and Spain are first, Italy next, France after. If you operate somewhere else, tell us: design partners shape the pack for their own market and go live first in it.

What if we want to stop?+

You export everything and leave. Records in inspector-accepted formats, plus the full underlying data. No exit fee, no hostage-taking of your legal records, no period where you cannot prove your own compliance. The reason customers stay is that the record is worth having, and that is the only lock-in we want.

EARLY ACCESS

Buy your next lot with the paperwork already done.

Early access is a short, paid pilot at your counter. €2,000–5,000, live in weeks. If the pain is real, it pays for itself before it ends. We take a limited number of shops at a time; Finland and Spain first, your country next.

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