“Under-the-Mattress” Gold is Being Integrated into the Economy

At AHL Pay, we are taking a significant step towards integrating "under-the-mattress" gold into the formal economy. Through our proprietary “ATOM Hesapta” application, physical gold savings can be transferred to a digital gold account in seconds, providing a financial solution that is both secure and profitable.

Operating under a comprehensive Electronic Money Institution license from the Central Bank of the Republic of Turkey, this initiative allows physical gold—delivered to our affiliated jewelers in cities across the country—to be deposited into an AHL Pay gold account in a matter of seconds.

The Gold Savings Generation Model (ATOM) is an initiative by Ahlatcı Metal Rafineri designed to generate resources for the national economy and provide returns for savers. Under its umbrella, "under-the-mattress" gold is channeled into the financial system through two distinct applications: “ATOM Merkez” and “ATOM Hesapta.”

“ATOM Hesapta” stands out by enabling the instant crediting of gold to a saver's account at their financial institution, right at the moment it is handed over to an affiliated jeweler.

Emphasizing that not only standard gold types like Gram gold and Cumhuriyet gold but also all forms of jewelry—such as bracelets, rings, earrings, and necklaces—can be converted into a digital balance via “ATOM Hesapta”, AHL Pay General Manager Enver Çetin commented:

“We have ATOM-affiliated jewelers in every city across Turkey. Users who transfer their gold savings to AHL Pay can convert their balance to Turkish Lira at a highly advantageous Gold-to-TL exchange rate. We are continuously enhancing our services in this area; our ultimate goal is to enable users to use their gold savings as collateral to secure loans. For citizens who wish to avoid risks like theft and costs like safe deposit box rentals, we strongly recommend transferring their gold holdings to AHL Pay quickly and securely through ATOM Hesapta."