Jar
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.
Index entry only — little beyond a description and a link, and nothing machine-readable enough for an agent to act on without a human reading the site first.
API Evangelist profiles Jar the way a machine reads it — 30 machine-readable artifacts, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Jar scores 12.8/100 (minimal), with a separate agent-readiness read of 0/100 (human only). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
How we profile Jar
Each block below is one kind of artifact we hold for Jar. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
Features 13
The notable capabilities this provider advertises, captured as structured features so they can be searched and compared instead of read one landing page at a time.
Notable capabilities this provider offers.
Daily Savings
Automated daily purchases of 24K digital gold from ₹10.
Weekly Savings
Scheduled weekly digital gold purchases.
Monthly Savings
Scheduled monthly digital gold purchases for goal-based saving.
Instant Savings
One-tap on-demand digital gold purchases.
Round-Up Savings
Automatically invests spare change from daily transactions into digital gold.
24K Digital Gold
99.5%+ pure gold stored in insured vaults with Brink's as global custody partner.
Insured Custody
Gold holdings insured by ICICI Lombard with Vistra acting as independent trustee.
Live Gold Pricing
Real-time gold rate tracking and conversion across all transactions.
Instant Withdrawal
Sell digital gold and receive funds back to a linked bank account on demand.
Physical Delivery
Convert digital gold holdings into physical gold coins or Nek jewellery.
Nek Jewellery
Direct-to-consumer gold and silver jewellery brand integrated with Jar holdings.
Segregated Escrow
User funds held in segregated escrow accounts separate from company funds.
Multi-Factor Authentication
MFA protection across login and high-value transactions.
Scroll within the panel for all 13 ·
Security Posture 1
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Use Cases 6
What developers actually build with this provider — captured so the catalogue answers 'what is this for', not just 'what does this expose'.
What developers build with this provider.
Habit-Based Saving
Build a daily savings habit through small, automated contributions in gold.
Inflation Hedge
Park rupees in 24K gold to hedge against domestic inflation.
Festival and Wedding Goal Saving
Save toward culturally significant gold purchases for weddings and festivals.
Financial Inclusion
Bring first-time savers and unbanked / underbanked users into formal financial products via low ticket sizes.
Spare Change Investing
Convert round-up amounts from daily UPI / card transactions into long-term gold holdings.
Gifting Gold
Send small denominations of digital gold as gifts within India.
Integrations 8
Pre-built integrations with other platforms tell you where this provider already fits in a stack.
Pre-built integrations with other platforms and tools.
Brink's
Global custody partner securing physical gold backing Jar digital holdings.
ICICI Lombard
Insurance partner covering the gold held in custody.
Vistra
Independent trustee performing audits over user gold balances.
BDO
Statutory auditor of Changejar Technologies Private Limited.
UPI
Unified Payments Interface used as the primary payment rail for buy/sell transactions.
Apple App Store
Primary iOS distribution channel for the Jar mobile app.
Google Play
Primary Android distribution channel for the Jar mobile app.
Nek (shopnek.com)
Sister jewellery brand for converting digital gold holdings into physical jewellery.
Scroll within the panel for all 8 ·
Solutions 2
Packaged solutions the provider offers on top of the raw API surface.
Packaged solutions this provider offers.
Jar Savings App
Core consumer mobile app for automated 24K digital gold micro-savings.
Nek Jewellery
D2C gold and silver jewellery line for redeeming or supplementing Jar gold holdings.
Resources
Every other property we hold for Jar — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Access & Security 2
Authentication, authorization, and security posture
Learn 1
Tutorials, courses, talks, and written guidance
Commercial 2
Pricing, plans, and the legal terms of use
Company 8
The organization behind the API
Scroll within the panel for all 8 ·
Other 3
Properties that don't map to a standard resource type
← All providers · Data indexed from github.com/api-evangelist/jar-app · machine-readable index on apis.io