Yureka.One is India's first AI-native Wealth Operating System. It automatically converts rewards from your everyday spending into 24K digital gold (Yureka Goldback), uses an AI concierge to place and optimize your food, grocery, and shopping orders, and builds an alternative credit profile from your consented transaction data.
Yureka Goldback is a reward asset, not a points program: instead of expiring loyalty coins, every eligible transaction earns you 24K digital gold that generates yield — up to 16% effective ROI. It is liquid, unified across all your spending, and requires no manual investing.
Regular cashback loses value sitting idle, and brand points expire or lock you in. Gold-based rewards appreciate: Goldback converts the same cashback into an asset with historical long-term growth plus reward yield, so your rewards compound instead of expiring.
Yes. Yureka AI is an official Swiggy Builders Club partner integrated with Swiggy's Model Context Protocol (Food, Instamart, Dineout). Tell it what you want; it compares prices across engines, applies the best-reward payment method, places the order, and converts the earnings into Yureka Goldback.
Yureka acts as an RBI-compliant Lending Service Provider: with your explicit consent, it analyzes your real transaction patterns — UPI, shopping, bill payments — to build an alternative credit profile that banks and NBFCs can use, bringing thin-file users into formal credit.
Yureka is compliance-by-design: consent-first data handling aligned with RBI's 2026 digital lending mandates and India's DPDP consent principles. Your data is never used without explicit permission, and consent is revocable at any time.
Premium is ₹99/month or ₹1,199/year — and 100% of the fee is reimbursed to you as 24K digital gold, so membership effectively pays for itself.
Access is currently invite-gated: entry via member referrals or through high-engagement participation on Yureka's community content (LinkedIn/Reddit). Referrers earn commissions on referred users' activity for 12 months.
CRED manages credit card bills; CashKaro offers cashback as cash; Jar lets you save in digital gold manually. Yureka combines all three into one loop: its AI concierge places your orders, earns Yureka Goldback (digital gold) automatically, and turns your transaction history into a credit profile — without you doing anything extra.
A Wealth Operating System (Wealth OS) is a platform that turns routine financial activity — spending, ordering, paying — into automated wealth-building. Yureka.One pioneered this category in India by converting transaction rewards into digital gold and transaction data into credit access.