How it WorksPricingLive Audit

Add gold.
Use it like money.

Buy gold from R10 or upload the gold you already own. Every gram is real, physically vaulted Krugerrand gold — allocated, insured, and live at the spot price. Sell it, borrow against it, or take physical delivery whenever you choose. Here's exactly how the system works.

One account.
Real gold.

Your Troygold account is a single gold holding. Every gram in it is physical Krugerrand gold in a vault — and every gram is yours to use.

⚡Your account

Gold you can use

Every upload and every purchase is credited to your account in fine ounces — denominated in gold, not rands, and live at the spot price from the moment it arrives.

  • ✓ Buy gold from as little as R10
  • ✓ Sell back to rands at spot + 0.5%, anytime
  • ✓Borrow up to 50% of your gold's value as a credit facility
  • ✓ Send gold to other Troygold users instantly
  • ✓ Earn gold through referral rewards
Same gold
🏦Behind it

Gold in the vault

Your account balance is matched 1:1 by physical Krugerrand gold in a Brink's vault — held in custody by Rand Merchant Bank, fully insured, and auditable in real time.

  • ✓ 100% physically allocated Krugerrand gold
  • ✓Brink's vault custody in Johannesburg
  • ✓ Rand Merchant Bank as independent custodian
  • ✓ Fully insured against loss, theft, and damage
  • ✓ Redeemable as physical Krugerrands, door-to-door

From deposit
to working gold.

⬆️
Step 01

Upload or buy gold

You can add gold to your account in two ways: upload physical gold you already own (Krugerrands or jewellery), or buy gold directly from as little as R10. Either way, you're activating your gold — turning it from a static asset into a working one.

📦Physical uploads: collected from your door, verified and assessed by our team — flat R500 courier fee.
⚡
Step 02

Your gold is credited to your account

Every upload and every purchase is credited to your account in fine ounces — real gold, physically allocated in a Brink's vault and immediately live at the spot price. There is no extra step, and no waiting.

🔒Matched 1:1 by physical gold in Brink's Johannesburg — RMB custody, fully insured, live-auditable.
💰
Step 03

Sell, borrow, send, and earn

Your gold is active from day one. Sell back to rands at spot + 0.5% whenever you like. Draw a credit facility of up to 50% of its market value without selling. Send gold to other Troygold users instantly. And earn gold by referring friends.

🏦Credit facility: up to 50% of your gold value · from Prime + 3%
🪙
Anytime

Redeem physical gold

Your gold is always redeemable. Request physical delivery at any time and receive 1 oz Krugerrands door-to-door in secure packaging — the same gold that has been sitting in the vault, allocated to you.

🚚Redemption: 0.5% + R1,725 courier fee · delivered door-to-door

We earn on usage,
not ownership.

Troygold charges for activity — buying, uploading, redeeming, borrowing — not for opening an account. No monthly fees, no management charges. The more gold you hold, the lower your rates.

Buy & Sell
Krugerrand pricing
Tiered by purchase amount
Buy ≥ 1 ozSpot + 5.5%
Buy 0.1 – 1 ozSpot + 7%
Buy ≤ 0.1 ozSpot + 8.5%
Sell (any amount)Spot + 0.5%
Upload & Redeem
Physical gold
Door-to-door, fully insured
Upload (we collect)R500 courier fee
Redeem (we deliver)0.5% + R1,725 courier
InsuranceIncluded
Monthly account feeR0

Fully reserved.
Fully redeemable.

Every gram on the Troygold platform is matched 1:1 by physical gold in a vault. No fractional reserves. No paper gold. Real gold — allocated, insured, audited.

1:1
Gold backing ratio
Every gram you own on Troygold is matched by one physical gram in a vault. No exceptions, no fractional reserves.
100%
Redeemable anytime
You can request physical delivery of your gold at any time — 1 oz Krugerrands delivered directly to your door.
Audited
Independently audited
Troygold's gold holdings are independently audited — institutional-grade oversight and separation of your assets from ours.
Brink's
Vault custody
Physical gold held in a Brink's vault in Johannesburg — operated by the world leaders in secure logistics — with Rand Merchant Bank as independent custodian.
Live
Auditable ledger
Our ledger is live and auditable in real time. You can verify your allocation and the platform's total reserves at any point.
FIC
Fully compliant
Registered as a High Value Goods dealer and Accountable Institution with the Financial Intelligence Centre of South Africa.

Ready to own gold
that works?

Open your account in minutes. No monthly fees. Start with gold from R10.