<![CDATA[The rapid growth of digital gold savings platforms in Indonesia namely Tring! by Pegadaian and BYOND by BSI has democratized investment access and reduced entry barriers for middle-to-lower-income communities, necessitating the reactualization of the wealth preservation principle (hifz al-mal) alongside Modern Portfolio Theory (MPT) within contemporary Islamic economic governance. This study analyzes digital gold savings from Maqashid Shariah (hifz al-mal) and MPT perspectives, evaluates akad implementation compliance with DSN-MUI Fatwa instruments, and assesses these platforms as financial inclusion catalysts toward the Indonesia Emas 2045 vision. A qualitative approach was employed, combining empirical analysis of national digital gold platform growth (2023–2026) with a normative review of fiqh muamalah, DSN-MUI Fatwa No. 117/DSN-MUI/II/2018, and modern financial theory. A strong convergence between hifz al-mal and MPT is identified, with digital gold savings demonstrated as effective inflation hedges and inclusive micro-portfolio diversification instruments. The multi- akad structure (murabahah and wadihah)is largely compliant with DSN-MUI Fatwa provisions; however, residual gharar (uncertainty) persists regarding bid-ask spread transparency, underlying asset ownership disclosure prior to akad execution, and custodial fee separation. These platforms constitute strategic financial inclusion instruments supporting household financial resilience; accordingly, regulatory intervention on fee disclosure including maximum spread limits and enhanced sharia financial literacy are recommended to ensure comprehensive maslahah and mitigate gharar.]]>
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