DIGITAL GOLD NONBANK
Store your wealth in REAL GOLD, AND ACCESS CASH LIQUIDITY anytime without selling your gold
INSTANT OWNERSHIP
Immediate, direct ownership of physical gold with an ownership certificate.
FULL OR FRACTIONAL OWNERSHIP
LEADING PRICING
Buy at the lowest competitive prices and get more when you sell.
GOLD-BACKED LOAN FACILITY
Access a loan facility of up to 75% of the value of your gold holdings in minutes.
LOWEST BORROWING RATES
Leading facility interest rates starting at 1.25% per month
UPLOAD GOLD HELD AT HOME
Deposit gold Krugerrands held at home into your Troygold account.
Trusted by thousands of users and gold owners
Industry-leading real-time customer support
First gold monetisation and payments platform globally
ONE ACCOUNT
TWO WALLETS
PHYSICAL GOLD
GOLD WALLET
24/7 REAL GOLD BUY & SELL
- Buy and sell real gold Krugerrands
- Fractional or full ownership
- No investment minimums
- 24/7 liquidity and dealing service
SIMPLE, RELIABLE AND SAFE
- Gold ownership certificate allocated to specifically numbered Krugerrands
- Free vault storage and insurance
- Withdraw gold or sell anytime
- No monthly fees
LOAN FACILITY
CURRENCY WALLET
ACCESS CASH INSTANTLY & CHEAPLY
- Loan facility for instant cash liquidity
- Secured by your gold holdings as collateral
- Up to 75% credit to holdings value ratio
- Monthly repayments starting from 1.25% p.m
Bank Cheque account included
- First gold monetisation and payments platform globally
- Sponsoring bank: Access Bank SA
- Spend globally at 40+ million locations
- No monthly bank account fee
FREE STORAGE & INSURANCE ON YOUR GOLD
OPEN AN ACCOUNT IN JUST A FEW MINUTES
HOW IT WORKS
Sign up
Buy Gold
Upload Gold
Upload existing gold Krugerrands held at home onto the Troygold platform by delivering it to your nearest upload point.
Buy Gold
Buy gold via the app with EFT payments.
Upload Gold
Upload existing gold Krugerrands held at home onto the Troygold platform by delivering it to your nearest Scoin Shop.
Access Credit & Get Card
Access instant cash liquidity with a low interest rate credit facility against your gold & have your linked Mastercard delivered to your door.
COMMON QUESTIONS
Using Troygold
Digitally, the Troygold mobile app is built with the latest, bank-level security and privacy requirements. Physically, all client gold holdings are stored in the vaults of global vaulting custodians and fully insured by global insurers, with vault holdings audited monthly.
All South African clients’ gold Krugerrands are stored in a high-security precious metals vault in Johannesburg with our vaulting partner, SafeGold – a division of Scoin and the South African Gold Coin Exchange.
All international clients’ gold bullion bars are stored in Brinks’ precious metals vault in Singapore.
All customer holdings are fully insured against loss or theft by Lloyds of London.
Buying and Saving in Gold
When you save in gold with your Troygold account using the app, you enjoy direct legal ownership of the exact amount of the physical gold that you have purchased in specific coins or bars (depending on your region).
All our customers’ gold holdings are fully allocated, meaning these are specific coins or bars are given a unique ID number before they are securely stored and fully insured in a high-security precious metals vault.
Even if you purchase less than a full 1oz coin or 1kg bar, you are allocated as a co-owner of that specific coin or bar. This co-ownership model is similar to the concept of undivided shares in a property’s title deed.
Administration of the Troygold ownership register is managed by Troygold’s proprietary technology. You will receive an ownership certificate, indicating your ownership percentage and in which exact coins or bars your ownership vests.
The security of your gold holdings is our top priority. All customer holdings are fully insured against loss or theft by Lloyds of London via SafeGold. As part of our commitment to safety, only the vaulting custodian has physical access to the vault holdings. Thus, no Troygold employee can enter the vault or access the holdings.
User holdings are audited monthly, detailing the number coins or bars held with the vaulting custodian, which relates to the specific coin or bar ID on the client’s Ownership Certificate.
All South African clients’ gold Krugerrands are stored in a high-security precious metals vault in Johannesburg with our vaulting partner, SafeGold – a division of Scoin and the South African Gold Coin Exchange.
All international clients’ gold bullion bars are stored in Brinks’ precious metals vault in Singapore.
Uploading Your Gold
A Troygold upload refers to a client requesting to deposit gold currently held in private storage at home or outside the Troygold platform, into his/her Troygold account.
This involves the delivery of outside gold into the Troygold vault by way of dropping off the gold at any of our partner Scoin Shop retail locations in South Africa.
Once the gold has been delivered, the ounces are credited to the client’s Troygold account and available inside the Troygold app.
Gold held at home or in external vaults is literally idle gold value lying in the dark. This means it cannot be insured by commercial insurers, there are additional costs to store this gold, it’s a safety risk to the owner’s personal safety and most importantly, it is completely illiquid.
When gold is uploaded into a client’s Troygold account, fees for storage and insurance are free, and the gold value is completely liquid – the gold owner can sell, or access a loan against, any amount of the gold held in his/her Troygold account.
Getting a Loan Facility Against My Gold
A gold loan facility (also called loan facility against gold) is a secured loan taken out by the owner of the gold held in the Troygold vault, from Troygold, by pledging the gold holdings in his/her Troygold account as collateral.
The loan amount provided is a certain percentage of the gold, typically 75% for Troygold customers, based on the current market value of gold.
The above loan funds are made available to a Toygold client by way of a facility, showcased in the currency wallet in the app’s home page. The facility means the funds as a % of gold value are always available as and when the client requires them, and the client can draw down and repay anytime – ensuring complete financial flexibility.
Troygold loan facility interest repayments run on a month-to-month basis, and monthly interest repayments are required on the first of each month (calculated based on the loan amount outstanding during the preceding month).
Using the Troygold Mastercard
The Troygold gold-backed Mastercard is a debit Mastercard issued in South Africa by Troygold’s sponsoring bank Access Bank SA. The card is linked to a real, unique South African bank cheque account with Access Bank, which is issued to a Troygold client when he orders his/her Mastercard.
Inside the Troygold app, the card is linked to your Currency (ZAR) wallet – which is comprised of your loan facility funds available, as well as any other deposits the client has made into the account, and any proceeds from gold sales.
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