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GOLD-BACKED LOAN FACILITY

ACCESS INSTANT CASH LIQUIDITY WITHOUT SELLING YOUR GOLD

Use your gold as collateral and borrow cash against it at low interest rates — instantly available in-app, for withdrawal to an outside bank account, or on your Troygold Mastercard

Loan facility automatically available at 75% of gold holdings value

Interest-only monthly repayments at 1.25% / month rate

Withdraw loaned funds to outside bank accounts anytime, or use your Mastercard

MAINTAIN YOUR GOLD OWNERSHIP

MAINTAIN THE BENEFITS OF GOLD OWNERSHIP & ENJOY THE FLEXIBILITY OF ACCESSING 75% OF ITS MONETARY VALUE

Maintaining your gold ownership allows you to enjoy exposure to gold price increases, as it raises the value of your gold holdings. However, whilst the gold in physical format protects you from financial system risks, it prevents quick access to the cash value of that gold when you need it. A Troygold loan facility provides access to cheap credit, available anytime, at 75% of your gold holdings value, without needing to sell your gold.

1.25% PER MONTH INTEREST RATE

THE CHEAPEST INTEREST RATES ON GOLD-BACKED BORROWING, PERIOD.

Historically, gold and Krugerrand owners could take their gold coins to commercial bank branches for storage as well as loans. In the 2000’s, in South Africa, banks started exiting this business due to security concerns, which meant that gold owners were relegated to loan sharks and pawn shops for cash liquidity on their gold – at exorbitant interest rates! Today, Troygold is stepping in where the banks left, offering a professional loan facility offering, at the market’s lowest interest rates (1.25% a month).

INTEREST-ONLY LOAN FACILITY

INTEREST-ONLY MONTHLY REPAYMENTS — COMBINING FINANCIAL FREEDOM WITH FLEXIBILITY

Accessing liquidity against physical gold always meant taking out a standard loan with capital and interest repayment every month, with a repayment term of 3, 6, or 12 months. This limited the opportunities to use credit backed by your gold for personal financial engineering or expenses, due to short repayment terms. With Troygold’s interest only monthly repayments, you can use borrowed funds for longer term use cases, whilst only having to repay the interest portion each month.

AVAILABLE FACILITY INCREASES AS GOLD PRICE RISES

HAVE MORE TO SPEND, AS THE GOLD PRICE RISES

The Rand value in your currency account represents the combination of your loan facility and proceeds from gold sales. Both are these are dependent on the Rand equivalent of your gold holdings in the vault. A rising gold price means more facility value, and more spending power!

HOW DO I GET STARTED?

OPEN A PHYSICAL GOLD ACCOUNT IN MINUTES

1. DOWNLOAD THE APP

Download the app on Apple or Android stores and register an account in-app

2. DEPOSIT OR UPLOAD

Deposit your funds into your Currency wallet via EFT transfer, then buy gold in-app, or Upload gold held at home

3. ACTIVATE LOAN FACILITY

When opening a Troygold account, you can access R1,000 automatic loan funds in your Currency wallet. Activate your facility for access to your full 75% of gold value facility.

4. SPEND OR WITHDRAW

Activate your card and start spending, or withdraw loan facility funds to an outside bank account

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