BullionCore · Bullion ERP · VAT · Corporate Tax

The bullion ERP for invoicing, accounting and UAE tax.

BullionCore, from Finlayer, runs the back office of gold and silver traders, wholesalers and jewellers. Invoice by weight and purity at live rates, keep every bar in stock, and get the VAT right — zero-rated, reverse charge or 5% — on every line, with your books and returns built from the same transactions.

Book a demoSee it in action
  • ISO/IEC 27001:2022 certified
  • ISO 22301:2019 certified
  • Built in Dubai for bullion businesses
  • OpenPeppol candidate Service Provider

Invoice-to-return

From gold sale to VAT return — without a single spreadsheet.

Most bullion desks price on a calculator, invoice in Excel, track bars in a register and rebuild the numbers for VAT at quarter-end. BullionCore records each sale once — and it flows through stock, accounting and tax on its own.

ScenarioA customer buys 2.5 kg of gold bars.

The traditional way

10 manual steps across a calculator, Excel and accounting

  1. 01Check today's gold rate
  2. 02Work out the price by weight and purityCalculator
  3. 03Type the invoice in Word or Excel
  4. 04Decide the VAT: zero-rated, reverse charge or 5%?Guesswork
  5. 05Update the bar registerSpreadsheet
  6. 06Re-enter the sale in accountingRe-keyed
  7. 07Record the payment
  8. 08Tick off the bank statementManual
  9. 09Collect VAT figures for the quarterSpreadsheet
  10. 10Fill in the VAT returnRe-keyed

Every figure is typed twice — and VAT errors surface at filing time.

With BullionCore

One sale, connected end to end

01Sell

  • Live gold rate
  • Weight & purity
  • Tax invoice

02Stock

  • Bars & serial numbers
  • Vault & branch stock

03Books

  • Payment & bank
  • General ledger
  • Profit & loss

04Tax

  • Right VAT treatment
  • VAT return
  • Corporate Tax

Nothing re-keyed. Stock, books and the VAT return update as you sell.

Sell the gold. Move the stock. Post the books. File the return.

One transaction. One system.

The platform

One platform. The whole bullion back office.

Sell. Invoice. Stock. Account. Comply. Manage — built around three core pillars for the way gold and silver businesses actually work.

01

Bullion Sales & Invoicing

Price, sell and invoice gold, silver and platinum — by weight and purity.

  • Live metal rates for quotes and invoices
  • Bars, coins, jewellery & scrap
  • Weight, purity & fine weight on every line
  • Making charges & premiums
  • Quotations, orders & delivery
  • Tax invoices & credit notes
  • Customer statements & receivables
02

Inventory & Accounting

Every gram accounted for — and every dirham in the books.

  • Stock by weight, purity & karat
  • Bar serial numbers & lot tracking
  • Vault, branch & transit stock
  • Consignment & melting / refining
  • Purchases, expenses & bank reconciliation
  • General ledger, P&L & balance sheet
  • Multi-branch & multi-company
03Core module

UAE Tax for Bullion

The right VAT treatment on every line — and returns built from your transactions.

  • Zero-rated investment gold, silver & platinum
  • Reverse charge between registered dealers
  • 5% on jewellery & making charges
  • Customer TRN checks before issuing
  • VAT return figures, box by box
  • Corporate Tax-ready books & reports
  • Audit trail & five-year retention

Every module, one source of truth

  • Bullion Sales
  • Purchases
  • Live Rates
  • Bars & Coins
  • Jewellery
  • Inventory
  • Making Charges
  • Tax Invoices
  • VAT
  • E-Invoicing
  • Peppol
  • Corporate Tax
  • Accounting
  • Bank Reconciliation
  • KYC
  • CRM
  • Reports
  • AI Assistant
  • Mobile App
  • Multi-Branch
  • Multi-Company

The architecture

BullionCore sits between your desk and everything it touches.

Every deal

Issued instantly

Customers
Suppliers
Refiners
Branches
BullionCore
Tax invoice
Credit notes
Stock movement
Customer ledger

Every deal, recorded once.

Sales and purchases from every counterparty and branch become tax invoices — with weight, purity, VAT and stock updated in the same step. No re-keying.

Bullion VAT by design

Tax in the workflow, not at quarter-end.

Bullion has some of the trickiest VAT rules in the UAE: investment metal is zero-rated, gold between registered dealers is reverse charged, and jewellery carries 5%. BullionCore applies the right treatment as you invoice — so nothing is issued wrong, and nothing is filed from a spreadsheet.

Every bullion invoice

  1. 01Customer TRN checked
  2. 02Metal & purity set
  3. 03VAT treatment applied
  4. 04Tax invoice issued
  5. 05Added to the VAT return

Every tax period

  1. 01Bank reconciled
  2. 02Stock reconciled
  3. 03Input VAT matched
  4. 04VAT return prepared
  5. 05Records archived

Covered in the workflow

  • Zero-rated investment metals
  • Reverse charge (gold & diamonds)
  • 5% on jewellery
  • Making charges
  • Tax invoices
  • Credit notes
  • Corporate Tax
  • KYC records
  • 5-year retention

UAE e-invoicing

The next step after VAT: invoices that report themselves.

From October 2026, the UAE replaces PDF and paper invoices with electronic invoices exchanged over the Peppol network and reported to the Federal Tax Authority as they are issued. For a bullion desk that means every sale — zero-rated bar, reverse-charged dealer trade or 5% jewellery line — reaches the buyer and the FTA in one structured document, the moment you post it.

BullionCore is being built for exactly this. The same invoice you issue today already carries the TRNs, tax categories, weight and purity the new format needs. When the mandate reaches you, the change is a switch in settings — not a new system, a new vendor or a new way of working.

What changes for your desk

Nothing you have to re-key.

Post the sale; BullionCore builds the e-invoice, validates it and sends it.

Caught before the FTA sees it.

A missing TRN, the wrong tax category or a rounding mismatch stops the invoice at your desk, not at the regulator.

Supplier invoices arrive by themselves.

Purchase invoices from refiners and dealers land in your purchase ledger, matched and ready to approve.

Five years, always retrievable.

Every invoice, acknowledgement and status change is archived and exportable on demand.

One system, one bill.

E-invoicing is part of BullionCore — no separate service-provider contract, connector or per-invoice fee.

How your invoice travels

PEPPOL NETWORKInvoiceSignedDeliveredTax data reportedAcknowledgementarchived with invoice1Your deskBullionCore · PINT-AE check2Finlayer Access PointSign · send · report3Buyer's Access PointReceive · confirm4Buyer's systemMachine-readable5Federal Tax AuthorityTax data · acknowledgement
PEPPOL NETWORKInvoiceSignedDeliveredTax data reportedAcknowledgement · archived with invoice1Your deskBullionCore · PINT-AE check2Finlayer Access PointSign · send · report3Buyer's Access PointReceive · confirm4Buyer's systemMachine-readable5Federal Tax AuthorityTax data · acknowledgement
  1. 1Your desk

    BullionCore creates the invoice and checks it against the UAE PINT-AE rules.

  2. 2Finlayer Access Point

    The invoice is signed, sent over the Peppol network and its tax data reported to the FTA.

  3. 3Buyer's Access Point

    Your customer's provider receives it and confirms delivery.

  4. 4Buyer's system

    The invoice lands in their accounting or ERP, machine-readable.

  5. 5Federal Tax Authority

    The FTA's acknowledgement is stored with the invoice in your archive.

The timeline

  1. Businesses may appoint an Accredited Service Provider and begin onboarding.

  2. Businesses with revenue of AED 50 million or more go live.

  3. All other VAT-registered businesses and government entities follow.

Dates per Ministry of Finance announcements — see mof.gov.ae for the current schedule.

Our road to accreditation

Finlayer is becoming a Peppol Service Provider and an Accredited Service Provider (ASP) under the UAE Ministry of Finance programme, so that BullionCore customers deal with one company for their ERP, their tax and their e-invoicing. We publish our progress here and update it at every milestone.

  • VAT-compliant tax invoicing, in production with UAE customersLive since [YEAR]
  • ISO/IEC 27001:2022 information securityCertified
  • ISO 22301:2019 business continuityCertified
  • OpenPeppol membership — Candidate Service ProviderApplication submitted, October 2026
  • Peppol Access Point conformance (PINT-AE)In development
  • UAE Ministry of Finance ASP accreditationPreparing application

Accreditation is granted by the Ministry of Finance; until then, e-invoice transmission is not yet offered.

Build on it: the Finlayer e-invoicing API

If your accounting, POS or billing software issues invoices in the UAE, you face the same mandate your customers do — without the certifications, the Peppol stack or the two-year accreditation path. The Finlayer API will let your product send invoice data as JSON or PINT-AE XML and receive validation, delivery and FTA status back, under your brand or ours.

  • JSON or PINT-AE XML in
  • Validation, delivery & FTA status back
  • Under your brand or ours
Talk to us about the API

The one-screen demo

One invoice. Watch it flow.

This is the BullionCore sales desk. Sell 2.5 kg of gold bars to a jeweller in Dubai, post the sale and receive the payment — stock, the ledger and the VAT return all move from this one screen.

BULLIONCORE Search screens and actions⌘KAu 4,270.40▲Ag 63.452▲BullionCore UAE Demonstration / Dubai Wholesale
Home ×Sales ×

Sales

New saleSales registerTax documents● Live
AL SAFA JEWELLERS LLCBM-ASJ-0007 · TRN 100 9876 5432 0001 ✓ valid
● Draft
AuFixed · 4,270.40 USD/oz tDeira vault
#Item codeQtyPure · gPurityVATAmount · AED
11 KG Bar24A1001–100222,000.000999.9ZR 0%1,008,360.00
2100 G BarT55201–2055500.000999.9ZR 0%252,090.00
3Making chargesper piece7––SR 5%560.00
Zero-rated
1,260,450.00
Standard-rated
560.00
VAT 5%
28.00
Total to pay
AED 1,261,038.00

Before you post

  • Customer TRN is valid
  • 2,500.000 g in stock at Deira vault
  • Investment gold → zero-rated
  • Making charges → 5% VAT
● ReadyBullionCore UAE Demonstration · Dubai WholesalePractice ledgerDraft · 3 lines · 2,500.000 g pureF1 Help F2 New F8 Post

Illustrative Names and figures are made up for demonstration.

Owner dashboardAl Noor Trading ▾
3
Sales this quarter Live
AED 41.6M ▲ 9.4%
Collected82%
Gold in stock18.6 kg+1.2 kg
VAT payableAED 48.2KQ3 so far
Today's salesAED 1.82M+12%
ReceivablesAED 642K3 overdue
AIBullionCore assistantonline

How much gold do we have in stock?

18.6 kg fine gold: 12.4 kg in the Deira vault, 4.1 kg at Gold Souq and 2.1 kg in transit. Worth AED 9.38M at today's rate.

Ask about your business…

Illustrative

Manager app + AI

Your whole bullion business, in your pocket.

Sales, stock by weight, receivables, cash, VAT and profit — live, from anywhere. And when a number moves, just ask why.

AI that knows your books — not just a chatbot.

Pick a question — the app answers it.

The ERP that understands bullion — and UAE tax.

Security & trust

Your books are safe here. Independently certified.

Finlayer Solutions LLC runs an information security and business continuity programme audited by QRO Certification LLP, an EGAC-accredited certification body.

  • ISO/IEC 27001:2022Information security management
    Certified
  • ISO 22301:2019Business continuity management
    Certified

Encrypted everywhere

TLS 1.2+ in transit and encryption at rest for all hosted data.

MFA and roles

Multi-factor sign-in, role-based access and approval limits for every user.

Tenant isolation

Each company's data is isolated from every other customer's.

Tested backups

Backups and restores tested against defined recovery objectives.

Monitored 24/7

Continuous logging, monitoring and alerting on production systems.

Cloud or on-premises

Keep your data in your own environment if your policy requires it.

Peppol-grade transmission

Signed delivery over the Peppol network, validated before sending, archived with FTA acknowledgements. Accreditation in progress.

Why BullionCore

Why bullion businesses are moving beyond spreadsheets and generic accounting.

SpreadsheetsGeneric accountingBullionCore
Prices worked out on a calculatorManual price entryLive rates × weight × purity
Invoices typed in Word or ExcelGeneric invoicesBullion tax invoices & credit notes
VAT treatment guessedOne VAT rate per itemZero-rated, reverse charge & 5% per line
Bar register in a notebookStock by quantityStock by weight, purity & serial number
Bank ticked off on paperBank feedsBank reconciliation with invoice matching
VAT return rebuilt each quarterVAT reportVAT return figures built as you sell
Reports built by handStandard reportsAI answers about your own numbers
Desktop filesCloudCloud, on-premises & mobile
Generic templatesGeneric setupBuilt in Dubai for bullion businesses

Pricing

Simple plans. Quoted for your business.

Prices depend on your users, companies and how you want to deploy, so we quote after a short call — usually within 24 hours.

Cloud

Most popular

Monthly

Hosted and maintained by Finlayer. The quickest way to get started.

  • Bullion sales, invoicing & inventory
  • Accounting, VAT & Corporate Tax
  • Tax invoices & credit notes
  • Mobile app & AI assistant
  • Daily backups and updates
  • Email & WhatsApp support
Request a quote

On-premises

Annual licence

Runs on your own servers, with your data under your control.

  • Everything in Cloud
  • Installed in your environment
  • Local and remote access
  • Installation & training
  • Priority support
Request a quote

Enterprise

Custom

For bullion groups with several companies, branches and integrations.

  • Everything in On-premises
  • Multi-company consolidation
  • Custom integrations & reports
  • Approval workflows
  • Dedicated account manager
Talk to sales

Included with every plan

  • Data migration
  • Onboarding & training
  • Bullion VAT setup
  • Mobile app
  • ISO-certified security
  • UAE e-invoicing (on accreditation)

Migration guarantee

Switch software without starting from zero.

Changing systems is the biggest barrier to getting organised. We remove it — moving your data, running alongside your current software, and training your team at no extra cost.

Plan my migration
  1. 01

    Free data migration assessment

    We map your current software before you commit to anything.

  2. 02

    Free data conversion

    Customers, suppliers, stock by weight and purity, and balances — converted for you.

  3. 03

    Import from your current system

    Tally, QuickBooks, Zoho, Excel — bring your records across.

  4. 04

    30 / 60 / 90-day parallel operation

    Run both systems side by side until you're confident.

  5. 05

    Free onboarding

    Setup configured around how your business already works.

  6. 06

    Free training & AI support

    Your team gets trained, and AI help is there from day one.

  7. 07

    Dedicated migration team

    One team owns your switch-over from start to finish.

Keep your historical data. Keep your customers. Keep your inventory.

Change only the technology.

UAE tax-readiness check

How tax-ready is your bullion business?

10 quick questions. A private self-check — nothing is sent anywhere — that shows how ready your finance and tax setup is today.

Your tax-readiness score

0/10

0 of 10 answered

  1. 01Are your prices calculated from live rates, weight and purity automatically?
  2. 02Are your invoices created in a system, not Word or Excel?
  3. 03Is the VAT treatment — zero-rated, reverse charge or 5% — set automatically?
  4. 04Is each customer's TRN checked before you invoice them?
  5. 05Is your stock tracked by weight, purity and bar serial number?
  6. 06Is your stock updated automatically when you sell?
  7. 07Is your bank reconciled at least weekly?
  8. 08Are your VAT return figures produced by your system?
  9. 09Can you see your stock value at today's gold rate?
  10. 10Can you see sales, stock and cash from your phone?

FAQ

Questions, answered.

Something else on your mind? Our team replies within one working day.

See all questions Ask us anything
Who is BullionCore for?

Bullion businesses in the UAE — gold and silver traders, wholesalers, jewellers and refiners — that want invoicing, stock, accounting and tax in one system.

How does BullionCore handle VAT on gold and silver?

Each line gets the right treatment: investment gold, silver and platinum of 99% purity or more is zero-rated, gold sold between VAT-registered dealers for resale is reverse charged, and jewellery and making charges carry 5%. You can always review and override before issuing.

Does BullionCore produce VAT-compliant tax invoices?

Yes. Tax invoices and credit notes carry the details UAE VAT rules require — supplier and customer TRNs, weight, purity and the tax category per line — and BullionCore checks them before they are issued.

Can BullionCore file my VAT return?

BullionCore prepares the VAT return figures from your transactions, box by box, so you or your accountant can review them and submit on the FTA's EmaraTax portal.

Will BullionCore handle UAE e-invoicing?

Yes. From October 2026 the UAE moves to electronic invoices exchanged over the Peppol network and reported to the FTA. BullionCore invoices already carry the TRNs, tax categories, weight and purity the PINT-AE format needs, and Finlayer is working towards Ministry of Finance accreditation as a service provider — so when the mandate reaches you, e-invoicing is a switch in settings, not a new system. Transmission will be offered once accreditation is granted.

What about Corporate Tax?

UAE Corporate Tax is charged at 9% on taxable income above AED 375,000. BullionCore keeps the books it is calculated from and gives you the reports to prepare the computation — with your accountant or tax agent signing it off.

Can we move over from our current software or Excel?

Yes. We bring across your customers, suppliers, stock with weights and purities, and opening balances, and you can run both systems side by side until you're confident.

Is it cloud-based, or can we host it ourselves?

Both. Most customers use our hosted cloud; businesses that need to keep data in their own environment can run BullionCore on-premises.

How is our data protected?

Finlayer Solutions LLC is certified to ISO/IEC 27001:2022 and ISO 22301:2019. Data is encrypted in transit and at rest, with multi-factor sign-in and role-based access.

Run it withBullionCore

See BullionCore running on your own bullion sales, stock and VAT in a 30-minute walkthrough. We reply within one working day.

Sales and business enquiries
letstalk@finlayersolutions.com
Office
Finlayer Solutions LLC
BN Complex, Al Muteena
Deira, Dubai, United Arab Emirates
Hours
Monday to Saturday, 9:00–18:00 GST

Book a free demo

See BullionCore running on your own bullion invoices and VAT.

We reply within one working day.