How it WorksPricingLive Audit
A financial system built on gold

Real gold,
In your pocket.

Save, borrow, and earn — all denominated in gold. Real Krugerrand gold, vaulted, insured, and working for you.

R650m
Annual throughput
6,000+
Clients
2019
Launched
+0.003oz
Gold earned this month
R 40,285
Credit available
Gold +18.5%
vs ZAR, 12 months
As featured in
Early access – now open

Want new tools for your gold?

Gold Tools and Global Accounts are the next phase of Troygold — a Global Mastercard, gold cashback on every spend, and a credit facility backed by your vaulted gold. Early access gives loyal users front-row seats and locks in your first month free before we open to the public.

Four ways your gold
works for you.

Save in it. Upload it. Borrow on it. Earn from it. Real vaulted gold, working for you — and no government can print it away.

The world runs on fiat.
We run on gold.

A financial system built on real gold — not currency. No central bank. No printing press. Just gold, working for you.

See how the system works →

Stop saving in rands.
Save in gold.

The ZAR has lost over 99% of its value against gold since 1971. The USD is down 97%. The GBP, 98%. Every fiat currency is subject to the same slow erosion — by the governments that print them.

With Troygold, your savings are held in physical Krugerrand gold — vaulted with Brink's in Johannesburg, held in custody by Rand Merchant Bank, and fully insured. From R10 to R10 million.

  • Buy from R10 — your gold is physically allocated the moment you buy
  • Stored in a Brink's vault — fully insured, independently audited, RMB custody
  • Sell back to rands at the live spot price — anytime, in minutes
  • Withdraw physical gold at any time — door-to-door delivery
Start saving in gold →
Gold Savings Balance↑ +18.5% YTD
R24,830
0.42 oz Krugerrand · Live spot price
Gold holdings
0.42 oz
Total return (24 mo)
+38.2%
vs ZAR savings rate
+29.5%

Keep your gold.
Access the cash.

Don't sell your gold to access liquidity. Use it as collateral for an instant, flexible credit facility — up to 50% of your gold's current market value.

Your gold stays in the vault, continuing to appreciate. You get the spending power you need, right now.

  • Credit facility up to 50% of your gold value
  • Interest rates from prime + 3% — lower than unsecured credit
  • Revolving facility — repay and redraw at any time
  • Approved in minutes — no credit score required
Access gold-backed credit →
Credit FacilityActive
R7,465
Available to draw · 50% of gold value
DrawnR4,950 of R12,415
Interest rate
prime + 3%
Gold collateral
0.42 oz (R24,830)
This month's interest
R105

Fiat currencies lose.
Gold doesn't.

Since 1971, the ZAR has lost over 99% of its purchasing power. The USD is down 97%. Gold has held its value — because gold is the constant.

Troygold is built on the simple belief that your savings should be protected by the world's hardest asset.

🟡 Gold (since 1971)= 100 (constant)
⬜ USD−97%
⬜ GBP−98%
⬜ ZAR−99%
1971198520002015202502575100GOLDUSD · GBP · ZARPurchasing power (log scale, 1971=100)

Your gold is
as safe as it gets.

Brink's Vault Custody
Physical gold held in a highly secure Brink's vault in Johannesburg — operated by the world leaders in secure logistics.
Full Insurance Cover
All gold holdings are fully insured against loss, theft, and damage by leading local and international insurance providers.
RMB Custodian
Rand Merchant Bank acts as independent custodian — institutional-grade oversight and separation of assets.
FIC Registered
Troygold is registered as a High Value Goods dealer and Accountable Institution with the Financial Intelligence Centre (FIC) — fully compliant.

100% physically allocated. Always.

Every gram of gold on the Troygold platform is matched 1:1 by physical gold in a vault. Every Krugerrand. Fully reserved, fully redeemable, independently audited — verified in real time.

View Live Audit →
1:1
Gold backing ratio
100%
Redeemable anytime
Independently audited

What our Gold Owners say.

★★★★★
"I've been stacking Krugerrands for years but they just sat in a safe. Troygold changed that — my gold is actually working for me now. The credit facility saved me during a cash flow crunch without having to sell."
JV
Johann van der M.
Business owner · Cape Town
★★★★★
"I've watched the rand fall my whole life. Troygold is the first product I've found that genuinely protects you from it. I convert a part of my salary into gold every month and watch it hold its value."
PN
Priya N.
Engineer · Johannesburg
★★★★★
"The onboarding was seamless and the app is beautifully built. Troygold is what modern South African banking should look like. Gold-backed, inflation-proof, and actually useful."
MK
Michael K.
Investor · Pretoria

Your gold account,
in your pocket.

Available on iOS and Android. Set up your account in minutes. Start saving in gold today.