The current official description centres on a gift to the U.S. government together with a processing fee. It is not a conventional visa category, and the terms should be read on the official programme page rather than summarised second-hand.
Take the requirements from the source
This is a newer framework, which means that summaries circulate faster than accurate information and that details can change. The disciplined approach is to treat only the official programme page and its FAQ as authority, to read them in full rather than skimming for a number, and to note the date of reading. If a question is not answered there, the honest position is that it is unresolved, not that it works the way some other category works. That applies to eligibility conditions, to how family members are treated and to what any payment secures. Where a decision turns on a point the official materials do not address, obtain advice and re-check the source before acting, because a commitment made on an assumption is difficult to unwind.
Hypothetical example: a chocolate manufacturer receives a consultant's message saying that a business investment will qualify her for Gold Card treatment. Stop before comparing it to an investor visa. The first review should identify the official programme material, the stated eligibility conditions, and the payment instruction bearing the applicant's own name. Gold Card is not a conventional visa, and the described payment is made by the applicant directly to the U.S. government rather than into a company. Decide whether official information supports the requested action; if it does not, do not let a commercial deadline create an unofficial filing path.