Jewellery & Gems

Live gold position and true-margin view

The firm borrows physical gold on a metal loan, sells at the daily rate, buys old gold and holds making-WIP, leaving a net gold position, long or short, that moves with a volatile rate and carries an interest clock on the loan. Most owners have never seen it as one number. Separately, the real margin, making-charge, wastage, old-gold spread and scheme float, is hidden inside a giant gold-turnover number, so the owner cannot say which designs, counters and people actually make money. Through a down-cycle, expensive rough sits idle and the working-capital line over-draws without anyone seeing it clearly, so interest piles on a parcel that is not moving. The cash tied in idle rough and the interest cost on the line are invisible until they hurt.

Who has it

The gold and diamond wholesalers and bullion dealers for the position on borrowed metal, the retail showrooms for true making-charge margin, and the gem and diamond exporters for the working-capital and idle-rough view, with the wholesalers again for slow finished stock and stretched credit. It is often the single most valuable thing built for a jeweller.

What we build

A daily command view over the connected layer: net gold position in grams and rupees, metal-loan outstanding and its interest clock, hedge coverage, stock days, and the true making-charge margin stripped of the gold pass-through and rolled up by design, counter, salesman and customer segment. It reports; the owner decides every hedge and every gold transaction. A rough-inventory-aging and working-capital view over the connected layer: idle-rough days by parcel, cash tied in each, the bank-line drawdown and its interest clock, and the throughput through the cutting floor, with parcel-weight reconciliation kept auditable to each parcel.

What is automated, where AI helps, who signs off

Automation for the routine. A person on every decision that matters.

The reliable spine

The non-AI spine is the source-linked workflow: clean records, rules, calculations, integrations, exception queues, approvals and reporting for Live gold position and true-margin view.

Where AI helps

AI is limited to bounded reading, extraction, matching, clustering or drafting from the firm's own data for Live gold position and true-margin view; it never owns the number, the approval, the promise or the decision.

Who signs off

A named person signs off anything touching money, stock, a customer promise, a regulated filing, a payment, a price, a credit decision or a people decision.

What changes day to day

The owner sees the net gold position every morning as one number and runs the day off it; true margin by design and counter becomes visible for the first time, so margin can be defended where it leaks. Idle rough and the cash trapped in it become visible while there is still time to act; the working-capital line is managed instead of discovered at the bank statement.

Illustrative outcome

The gold position visible daily and true margin seen by design and counter, where it was a guess inside turnover before. Lower idle-rough days and reduced interest cost on the working-capital line in a tight market. Illustrative; final numbers come from your own data.

Illustrative; final numbers come from your own data.

Path to the build

How this one gets built.

Book a free 60-minute call, then a free Blueprint on the firm's own records. Deep-dive and build, followed by run and govern so the workflow keeps paying back.

Find the one build worth funding first.

A free 60-minute call. No cost, no obligation, just a clear read on what is worth building.