Page 25 - Bullion World Volume 5 Issue 07 July 2025

Bullion World | Volume 5 | Issue 07 | July 2025

Infrastructure and Process
The technical foundation of the Goldinvest model
is provided by EMAS Technology, a subsidiary
established to manage the digital and operational
systems required for gold-backed payments. EMAS
is responsible for wallet management, transaction
processing, gold settlement, and ensuring that all
activities adhere to regulatory standards, including
KYC and AML protocols.

Customers interact with the system via a digital
platform that allows them to monitor their gold
holdings, review transactions, and initiate the sale of
gold as needed. When a sale is made the resulting
fiat currency is credited to the user’s account for
spending. Importantly, sales must be initiated manually
by the customer. This design ensures that conversion
from gold to cash is deliberate, helping avoid
unintended depletion of reserves.
Costs and Considerations
Benefits and Use Case Potential The operation of such a system involves a cost
The model offers a practical way to align long-term structure designed to reflect the physical and
wealth preservation with short-term financial flexibility. technological requirements involved. Customers
Customers can access liquidity on demand by pay regular service fees that cover secure storage,
converting only as much gold as required for a specific insurance, account management, and card services.
transaction, while retaining their remaining holdings Additional charges apply for transactions such as
as a physical asset. The use of a Mastercard-linked gold purchases, gold sales, card payments, and ATM
debit card provides global acceptance, supporting withdrawals. For larger holdings that exceed defined
purchases and ATM withdrawals worldwide. thresholds, annual storage fees may apply to account
for higher insurance and security needs.
This structure gives users direct control over when
and how their gold is converted into spendable funds. These costs support the maintenance of secure
The system requires intentional action on the part of vaulting facilities, regulatory compliance processes,
the customer, promoting transparency and enabling and the dedicated digital platform that enables gold-
thoughtful financial management. From a broader backed payments. Customers benefit from the unique
perspective, this use case highlights how precious combination of physical gold ownership and flexibility,
metals can be integrated into hybrid financial solutions convenience and global usability of modern payment
that combine the stability of traditional assets with the systems – creating opportunities that go beyond those
convenience of modern payment infrastructure. offered by traditional gold savings alone.

Conclusion
The Goldinvest use case illustrates an evolving
approach to gold ownership in the digital age.
By combining physical gold savings with modern
fintech infrastructure, it provides a practical
pathway for individuals to integrate a historically
static asset into their active financial lives. While
costs and careful asset management remain
essential considerations, such models offer new
flexibility for those seeking both stability and
liquidity from their gold holdings.

25
25