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For urgent issues, you can reach us via phone on 1.480.867.2100.
For urgent issues, you can reach us via phone on 1.480.867.2100.
Monetary Metals® operates the Gold Yield Marketplace™, a financial services platform enabling investors to earn a Yield on Gold, Paid in Gold® while providing gold-based financing to precious metals businesses worldwide. Unlike traditional gold companies that buy or sell gold for dollar gains, Monetary Metals unlocks the productivity of gold by matching investors who hold precious metals with qualified businesses—including mints, refiners, jewelry manufacturers, and miners—that use gold productively. Through Gold Leases and Gold Bonds, investors earn interest paid in physical ounces rather than fiat currency, allowing their gold holdings to compound over time with no storage fees.
| Name | Role / Title | Description |
|---|---|---|
| Keith Weiner | PhD, CEO & Founder, Chairman of the Board | Keith Weiner is an economist who is a leading authority in the areas of gold, money, and credit and has made important contributions to monetary theory. He is also an entrepreneur who specializes in businesses that solve hard problems. Before Monetary Metals, he founded DiamondWare, a software company that developed 3D voice technology, sold to Nortel in 2008. He is the President of the Gold Standard Institute USA. He earned his PhD from the New Austrian School of Economics. |
| Name | Role / Title | Department | Description |
|---|---|---|---|
| Keith Weiner | PhD, CEO & Founder, Chairman of the Board | Leadership Team | Keith Weiner is an economist who is a leading authority in the areas of gold, money, and credit and has made important contributions to monetary theory. He is also an entrepreneur who specializes in businesses that solve hard problems. Before Monetary Metals, he founded DiamondWare, a software company that developed 3D voice technology, sold to Nortel in 2008. He is the President of the Gold Standard Institute USA. He earned his PhD from the New Austrian School of Economics. |
| Jeff Deist | Chief Risk Officer | Leadership Team | Jeff spent ten years as president of the Mises Institute, where he wrote hundreds of articles and delivered countless speeches on topics of monetary policy, gold, and central banking. Prior to that he worked on Capitol Hill as Chief of Staff for Congressman Ron Paul. He previously worked as an attorney in law firms and public accounting firms specializing in private equity, mergers & acquisitions, and tax. Jeff holds degrees in law and taxation. |
| John Flaherty | Chief Operating Officer | Leadership Team | Throughout his career, John has excelled in operational leadership roles in the fields of commercial construction management, real estate development and education. In his recent role as Director of Real Estate Development for BASIS Independent Schools, John was responsible for developing a national portfolio of elite private schools. He has a bachelor’s degree in civil engineering from Arizona State University and pursued graduate studies in economics at the University of Arizona. |
| Nathan Lucas | Chief Financial Officer | Leadership Team | Nathan Lucas has over 25 years as an accounting professional. After graduating with a Bachelor of Commerce (Major Accounting & Economics) from Monash University, he was admitted to the Institute of Chartered Accountant in Australia whilst working in the audit division of Ernst & Young. Nathan has worked in a variety of senior finance roles including guiding a start-up to IPO, extensive experience in ERP system implementation as well as being CEO and founder of an Accounting Software business. |
| Miranda Werstiuk | Chief Revenue Officer | Leadership Team | Miranda has over 30 years’ experience in finance for the resources sector. She has worked across the spectrum of transaction mechanisms (equity, debt, and alternative financing), with a focus on complex structuring for creative and mutually beneficial solutions. She has relationships with private and public corporate issuers, as well as high net worth individual and institutional investors. Miranda regularly contributes to conferences including PDAC, 121 Mining, Mining Indaba, Mines & Money London, IMARC, and CIM. She is Chair of the Program Advisory Group for planetGOLD, which seeks to eliminate mercury used by artisanal and small gold miners, as well as being a long-standing participant and committee member of WIM Toronto. |
| Dickson Buchanan, Jr | Chief Commercial Officer | Leadership Team | Prior to joining Monetary Metals, Dickson served as Senior Broker and Director of International Development at SchiffGold, where he helped a wide range of investors to obtain a strategic allocation into gold and silver both domestically and abroad. He received a Master‘s in Economics from King Juan Carlos University in Madrid, Spain where he studied under renowned Spanish economists Jesús Huerta de Soto and Juan Ramón Rallo. |
| KC Sparks | Chief Technology Officer | Leadership Team | A graduate of The Ira A. Fulton Schools of Engineering at ASU, KC is a value-driven technology expert with a proven record for developing and implementing robust software solutions that enhance profitability, efficiency, and redundancy. He has led initiatives resulting in SOC 2 compliance, optimized infrastructure and deployment workflows, and ensured optimal prioritization and execution of software strategies aligned with the intricate demands of the financial sector—all while fostering a culture of ownership, empowerment, and collaboration among his growing team. His evolution from Lead Software Engineer to Chief Technology Office reflects his commitment to excellence and deep understanding of software development. |
| Addison Quale | Vice President Relationship Management | Leadership Team | Addison concentrated in economics at Harvard University and came to embrace libertarian thought while studying for a Master of Divinity at Gordon-Conwell Theological Seminary. Addison worked as a precious metals specialist at SchiffGold, with additional work experience at Cambridge Associates, a Boston based investment consulting firm. |
| Mark Pey | Director of Strategic Relationships | Dubai office | Leadership Team | Mark brings significant experience across financial services, technology, and digital physical gold management to Monetary Metals. His career background includes roles as Financial Services Industry Manager, Microsoft Corporation, where he ran Microsoft's financial services practice across Australia, New Zealand, and 'English speaking Asia' (Singapore and Hong Kong). He was also Vice President, J.P. Morgan American Century, where he ran institutional investment sales for some of their largest clients including Intel Corporation. Lockheed-Martin, and Bechtel Corporation. |
| Jeffrey Rhodes | Managing Director Business Development, Middle East and Asia | Leadership Team | A leading expert in the international precious metals market, Jeffrey is widely recognized as 'The Godfather of Gold Leasing.' For over 45 years, he served major financial institutions, including Credit Suisse, HSBC, Standard Bank, and StoneX. He founded Rhodes Precious Metals Consultancy DMCC in 2013, was appointed as Principal Consultant to Goldstrom Pte in 2022, and in 2025, he was named the CEO of Goldstrom Advisory DMCC. He's played a prominent role in the development of the Dubai Multi Commodity Centre, and he's been a member of Dubai’s Gold Advisory Group since its inception in 2003. He was a Chairman of the Public Affairs Committee of the LBMA, during which time he founded its popular trade magazine, The Alchemist. |
| Andrew Senior | Vice President Strategic Relationships | Leadership Team | Andrew is a creative entrepreneur with experience in investor engagement, commercial partnerships, and scalable growth strategies. With a career spanning decades and continents, he has founded and scaled several successful ventures, including Skuuudle, IT247.com, and Marsland Holdings—and raised over £65 million in capital across various funding rounds. He has led international expansion efforts across the US, China, and Russia, has advised C-level teams on fintech, pricing automation, & emerging tech, and drove strategic partnerships and investment initiatives at Glint Pay. |
| Hiren Chandaria | Managing Director, Middle East and Asia Operations | Leadership Team | Hiren Chandaria is a seasoned precious metals executive with over two decades of experience in gold investment, structured finance, and market development. He helped structure India’s first and largest gold savings fund, which won CNBC’s “Most Innovative Fund” award, while another fund he managed was ranked Bloomberg’s best-performing gold fund globally. A CFA Charterholder and Sloan Fellow of London Business School, Hiren leads Monetary Metals’ expansion across the Middle East and Asia. |
| Jim Brown | Director | Board of Directors | Jim lives in Jackson Hole and manages the Justice Brown Family Office. His finance career includes ten years as a stockbroker and 20 years as partner and portfolio manager at Brandes Investment Partners of San Diego. Prior to his finance career, he was an Air Force instructor pilot and an airline pilot. Jim is a Chartered Financial Analyst, holds an MBA from Harvard Business School and a BS in political science from the United States Air Force Academy. |
| Simon Guenzl | Director | Board of Directors | Simon Guenzl has over 30 years of experience in finance, including over 20 years in private-markets investing. His experience includes advising on mergers & acquisitions at several leading Wall Street investment banks, making venture-capital investments in start-ups, and investing in private-equity and venture-capital funds on both a primary and secondary basis. He holds a law degree from the University of Western Australia and an MBA from the Wharton School of Business. |
| Ronald P. Stöferle | Advisor | Board of Advisors | Ronnie is managing partner of Incrementum AG and responsible for Research and Portfolio Management. Upon graduation, he joined the Research department of Erste Group, where he published his first “In Gold We Trust” report in 2007. The report has become one of the benchmark publications on gold, money, and inflation. Since 2013, he has held the position as reader at scholarium in Vienna, and he also speaks at Wiener Börse Akademie. In 2014, he co-authored the book “Austrian School for Investors” and in 2019 “Die Nullzinsfalle” (The Zero Interest Rate Trap). He is a member of the board of Tudor Gold, a Canadian exploration company, and an advisor to Matterhorn Asset Management, a global leader in asset preservation in the form of physical gold stored outside the banking system. |
| Mark Valek | Advisor | Board of Advisors | Mark is fund manager and partner of Incrementum AG. His passion is to apply interdisciplinary thinking to investment. He is particularly fascinated with the Austrian School of Economics, monetary history, and the foreseeable paradigm shift in the monetary system. Prior to the establishment of Incrementum AG, he was with Raiffeisen Capital Management for ten years, most recently as fund manager in the area of inflation protection and alternative investments. He gained entrepreneurial experience as co-founder of Philoro Edelmetalle GmbH. Since 2013, he has held the position as reader at scholarium in Vienna, and he also speaks at Wiener Börse Akademie. In 2014, he co-authored the book “Austrian School for Investors”. |
| Brent Johnson | Advisor | Board of Advisors | A globally recognized macroeconomic professional with over 25 years of financial markets experience, Brent is the CEO of Santiago Capital. Previously he served as Managing Director at BakerAvenue, a $2.5 billion wealth management practice where he advised several of the firm’s largest clients. Prior to that, he worked almost a decade in the private client group at Credit Suisse. Brent is widely known for his “Dollar Milkshake Theory” and speaks frequently on macroeconomics, currencies, and precious metals. |
| Product/Service | Category | Description | Link |
|---|---|---|---|
| Gold Financing | — | Monetary Metals’ gold financing offering is aimed at precious metals businesses seeking roughly $5–50 million of capital and provides two main solutions: off‑balance‑sheet precious metals leases to finance inventory and work‑in‑progress, and gold or silver‑denominated loans to fund production or business growth. By denominating both leases and loans in ounces of metal, these facilities remove the need for complex hedging, provide non‑dilutive capital, and are designed to be scalable and flexible for mining and non‑mining companies that earn in gold or silver. | https://www.monetary-metals.com/gold-financing |
| Gold Leases | Gold Yield | Monetary Metals’ gold lease program lets investors lend their physical gold or silver to qualified companies that use the metal in inventory or production, earning historically 2–5% per year, paid monthly in additional metal. Investors retain title to their metal, can opt out of individual lease opportunities after reviewing detailed terms and risk disclosures, and often benefit from leases that roll annually, allowing compound growth in total ounces without storage or insurance fees. | https://www.monetary-metals.com/gold-leases/ |
| Gold Bonds | Gold Yield | Monetary Metals’ gold bonds are fixed-income securities where the face value, interest, and principal are denominated and paid in ounces of gold, giving investors a way to stay long gold while earning yields typically ranging from about 6% up to 19% per year. These bonds are issued by gold-related businesses such as miners, refiners, and depositories that have gold assets and income, using the borrowed metal to finance production or expansion, with Monetary Metals handling origination, due diligence, and structuring so investors get gold-backed, non-storage-fee income products with longer maturities and lower reinvestment risk. | https://www.monetary-metals.com/gold-bonds/ |
| Award | Issuing Organization | Description |
|---|---|---|
| Inc. 5000 Fastest-Growing Private Companies - Rank No. 677 Overall | Inc. 5000 | Monetary Metals named to the 2025 Inc. 5000 list, ranking No. 677 overall, top 15% of fastest-growing private companies in the U.S., No. 45 in financial services, and No. 19 among Arizona private companies. |
| Worldwide Finance Awards 2020 Winner | Acquisition International | Monetary Metals & Co. recognized as one of the winners of the 2020 Worldwide Finance Awards. |
| Bullion.Directory 2025 Gold Price Forecast Category - Silver Medal | bullion.directory | Monetary Metals awarded the Silver Medal in Bullion.Directorys 2025 Bullion Dealer of the Year public vote in the Gold Price Forecast category. |
| Bullion.Directory 2024 Dealer of the Year winner in News and Analysis | bullion.directory | Monetary Metals won bullion.directory's Dealer of the Year award in the News and Analysis category |
| Better Business Bureau A+ Rating | Better Business Bureau | Monetary Metals received an A+ rating from the Better Business Bureau |
| Trustpilot 4.8/5 star rating | Trustpilot | Monetary Metals achieved a 4.8/5 star rating on Trustpilot |
| Google Business 4.7/5 star rating | Monetary Metals earned a 4.7/5 star rating from customers on Google Business |
Monetary Metals is a financial platform that allows investors to earn yields on physical gold and silver by leasing or lending them to vetted businesses in the precious metals sector. The yields are paid in physical gold or silver, transforming these metals from static stores of value into productive assets. The company operates the Gold Yield Marketplace®, where investors can grow their holdings in ounces rather than dollars.
Monetary Metals, LLC was founded in June 2012 by Keith Weiner. In September 2016, it was converted into Monetary Metals & Co.
Monetary Metals is incorporated under the laws of the state of Delaware.
The company is headquartered at 4343 N Scottsdale Road, Suite 150, Scottsdale, AZ 85251. Phone: +1 480-867-2100.
Yes, Monetary Metals has a Dubai office at Almas Tower, 54th floor JLT, Dubai, UAE, opened in Q1 2025.
Beyond the Dubai office, Monetary Metals has a joint venture in Turkey with Aga One to mobilize household gold, plus partnerships in India with Gullak and Canada with Honey Badger Silver.
As of 2025, Monetary Metals has 46 full-time employees globally.
Since beginning operations in 2016, Monetary Metals has completed over 75 funded transactions across five continents with zero defaults and zero loss of metal.
· 2016 Q3: First gold lease offered · 2018 Q4: First deal over 1,000 ounces · 2020 Q4: First gold bond in US in 87 years · 2022: Raised $4.5M in equity capital, first patent issued · 2023: Launched online client portal · 2024: SOC 2 certified, first silver bond in 200+ years · 2025: Opened Dubai office, Inc. 5000 ranking #677
The model connects gold and silver owners with businesses needing metal for operations. Monetary Metals charges a spread on the interest paid by borrowers, passing the majority as yield to investors. This eliminates storage costs and generates income in metal.
No, Monetary Metals is not a storage company. It partners with third-party depositories for secure storage but focuses on yield generation through leases and bonds.
No, it is not a bullion dealer. Clients can redeem metal for delivery or convert to specific bullion products, but the focus is on investment accounts that generate yield.
It's Monetary Metals' platform where yields on gold and silver are facilitated through leases and bonds, with interest paid in physical metal rather than currency.
The company has funded over 75 opportunities across five continents, raised $5M in equity capital, grown from 1 to 46 employees, and manages over $200 million in precious metals.
Monetary Metals achieved SOC 2 Type II certification in 2024, demonstrating institutional-grade security standards and commitment to safeguarding client information and assets.
Monetary Metals maintains an A+ rating with the Better Business Bureau, the highest possible rating.
Yes, Monetary Metals was named to the Inc. 5000 list in 2025, ranking #677 among America's fastest-growing private companies.
The company has been featured in Forbes, Business Insider, Barron's, Washington Post, and CNBC, with regular appearances on Kitco News, Palisades Gold Radio, and Liberty and Finance.
Monetary Metals is actively applying to become an affiliate member of the LBMA (London Bullion Market Association).
Yes, Monetary Metals has audited financial statements prepared annually by Cherry Bekaert LLP (formerly PKF Mueller, LLC).
Monetary Metals is the only company offering true gold and silver leases where investors earn yields paid in additional ounces, while maintaining ownership of physical metal and paying no storage fees.
Traditional gold investments involve storage fees and no yield, or speculative mining stocks. Monetary Metals provides yield in physical metal, free storage, and direct ownership.
It addresses the $150 billion in annual storage fees gold owners pay worldwide and provides an alternative to zero-yield cash holdings in an inflationary environment.
The company only earns revenue when clients earn yields. If a lease doesn't perform, Monetary Metals earns nothing. This powerfully aligns interests.
Base salary plus performance-based bonuses, with equity option awards based on tenure and performance metrics. Compensation tied to company and client success.
Yes, all employees must complete criminal background checks, credit history reviews, reference checks, and employment/education verification before employment.
Partners include Loomis, Brinks, Malca Amit, StoneX, Asahi, A-Mark, Dillon Gage, Fidelitrade, CNT, and IDS.
In-house General Counsel Jeff Deist, plus outside counsel including Dentons US LLP, Norton Rose Fulbright US LLP, and Quarles & Brady LLP.
Monetary Metals partners with Ashton Stewart & Co., Inc. (Member FINRA/SIPC) for securities-related transactions involving gold and silver bonds.
https://www.monetary-metals.com/ Leadership & Team
Keith Weiner, PhD, an economist and entrepreneur with expertise in gold, money, and credit, and important contributions to monetary theory.
He holds a PhD from the New Austrian School of Economics.
He founded DiamondWare, a software company that developed 3D voice technology, which was sold to Nortel in 2008.
He is President of the Gold Standard Institute USA and contributes to Forbes, Zero Hedge, and Kitco.
He is Founder, CEO, and Chairman of the Board of Directors.
Yes, including a monetary chapter in a Springer book on free trade ('Free Trade in the Twenty-First Century') and an upcoming chapter on the next monetary system.
He argues against fixed-supply assets like Bitcoin for monetary use, as they are unborrowable and don't support productive lending. He debated this topic at the Soho Forum.
He calls it a 'cargo cult' lacking intellectual rigor and proper understanding of monetary economics.
General Counsel at Monetary Metals. Former president of the Mises Institute for 10 years and Chief of Staff for Congressman Ron Paul. Attorney specializing in private equity, M&A, and tax.
Chief of Staff at Monetary Metals. Former Director of Real Estate Development for BASIS Independent Schools. Bachelor's in Civil Engineering from Arizona State University.
Chief Financial Officer with 25+ years as an accounting professional. Chartered Accountant in Australia (Ernst & Young). Experience includes IPO guidance and ERP implementation.
Vice President of Origination with 30+ years' experience in finance for the resources sector. Chair of the Program Advisory Group for planetGOLD. Regular contributor to major mining conferences.
Strategic Relationships lead for Dubai. Former Financial Services Industry Manager at Microsoft Corporation and Vice President at J.P. Morgan American Century.
Chief Technology Officer with degrees in Aerospace and Electronics Engineering. 15+ years at Qualcomm in leadership roles. Joined Monetary Metals in March 2020.
Vice President of Relationship Management. Economics concentration at Harvard University. Master of Divinity from Gordon-Conwell Theological Seminary. Former precious metals specialist at SchiffGold.
Vice President of Marketing with Master's in Economics from King Juan Carlos University, Madrid. Studied under renowned economists Jesús Huerta de Soto and Juan Ramón Rallo.
Managing Director for Middle East and Asia Operations. CFA Charterholder with 20+ years in gold investment. Helped structure India's first and largest gold savings fund (CNBC 'Most Innovative Fund').
Keith Weiner (Chairman), Jim Brown (manages Justice Brown Family Office, CFA, MBA from Harvard), and Simon Guenzl (30+ years in finance, MBA from Wharton).
Ronald P. Stöferle (Incrementum AG, author of 'In Gold We Trust' report), Mark Valek (Incrementum AG), Brent Johnson (CEO Santiago Capital, 'Dollar Milkshake Theory'), and Barry Dawes (Executive Chairman Martin Place Securities).
The team includes decades of experience in banking, software development, precious metals, resources finance, legal, accounting, technology, and economics from leading institutions globally. Philosophy & Vision
To expand the Gold Yield Marketplace® platform—paying interest in gold to savers, financing qualified businesses, and providing a liquid market that benefits all participants, until the vision is realized.
A world where everyone can save, earn, and finance production in gold and silver, restoring their role as productive money.
Monetary Metals' most fundamental core value: 'As doctors seek, above all else, to do no harm, we at Monetary Metals seek, above all else, to lose no gold.'
Gold retains intrinsic value due to its scarcity, durability, and malleability, independent of government decree. It is still money and should function as such.
To eliminate the $150 billion in annual storage fees worldwide, make gold productive, and contrast with fiat currency's continuous debasement.
He critiques them for causing debasement, malinvestment, inflation, and rewarding borrowing over saving, ultimately eroding wealth.
A world where gold is used for saving and financing, with interest paid in gold, scaling productive finance to restore gold's monetary role.
Central planning erodes purchasing power and coordination. Regulations widen the spread between commodity prices and consumer prices, creating inefficiency.
Gold should be held permanently, not speculatively. Price rises in dollar terms merely reflect currency decline, not gold 'going up.'
To avoid paper promises and ensure true ownership and productivity. Physical metal eliminates counterparty risk inherent in paper gold.
'An informal, working definition of a gold standard is when anyone who wants to can earn interest on their gold in gold. Therefore, the gold standard is when we scale up.'
In places like India, Turkey, and the Middle East, gold is a store of value and permanent holding. The company taps into this understanding via partnerships.
In irredeemable currency systems, declining marginal productivity of debt drives rates lower over time. Interest is key to any monetary system—without it, money cannot circulate productively.
Gold basis = Futures price - Spot price. It reveals whether gold is being hoarded (positive basis) or in high demand for immediate delivery (negative basis). Keith Weiner pioneered using basis analysis.
Dubai represents a major opportunity for gold finance innovation. The Middle East, unlike the West, views gold as permanent wealth and seeks returns on holdings.
He discussed business growth, extensive international travel, and contrasts in gold ownership culture between America (speculative) and regions like the Middle East (permanent holding).
Innovation in gold will come from Dubai and similar markets rather than the US or Europe, where gold ownership is less culturally embedded and more speculative.
They believe interest is the key to transition to a new monetary system. The company is building the private market infrastructure for a future gold standard.
Free storage incentivizes yield opportunities. Undeployed metal costs Monetary Metals nothing to store, so they pass this benefit to clients to encourage participation in leases. Products & Services
Two primary Gold Fixed Income products: (1) True Gold Leases and (2) Gold Bonds. Also offers silver leases and bonds, plus gold financing for businesses ($5M-$30M range).
Leases are true leases of personal property (not securities), 12 months or less, 2.5-4% yields, available to all investors. Bonds are securities (loans), 2-5 years, 6-19% yields, accredited investors only.
No, gold and silver leases are NOT securities. They are structured as true leases of personal property, similar to leasing an apartment or vehicle.
Yes, gold and silver bonds ARE securities and therefore subject to securities regulations, requiring broker-dealer partnership and accredited investor status.
Monetary Metals' service for qualified businesses needing gold-denominated financing, typically in the $5M to $30M range.
Monetary Metals' trademarked approach where interest is earned and paid in physical gold ounces, not fiat currency, growing total ounce holdings.
Monetary Metals' mission to transform gold from a static store of value into a productive asset that generates income while maintaining its wealth preservation properties.
Yes, the company also provides: (1) Free vault storage, (2) Metal purchases and sales, (3) Product shipments and withdrawals, and (4) Gold financing for businesses.
The form of gold and silver ownership used by Monetary Metals. Clients own proportionate amounts of specific bars/coins stored in vaults—the most liquid, efficient form of physical ownership.
Yes, when withdrawing, clients can liquidate for cash or convert to specific bullion products (coins, bars) for physical delivery.
Jewelers, mints, refiners, recyclers, manufacturers, dealers, mining companies, and other businesses that use precious metals productively in their operations.
Yes, particularly for gold bonds. The company performs extensive due diligence including reviewing 43-101 or JORC reports, financial modeling, and hiring independent experts.
Monetary Metals typically provides financing in the $5M to $30M range for qualified businesses.
Over 75 funded transactions across five continents since 2016.
In 2020, Monetary Metals issued the first gold-denominated bond in the United States since 1933, when FDR broke the gold standard.
In 2024, Monetary Metals issued the first silver-denominated bond in over 200 years, demonstrating expansion beyond gold.
The Bunker Hill Mining silver bond, which raised over 1 million ounces of silver in 2024 to fund a mine restart in Idaho's silver valley.
Yes, thousands of individuals and institutions around the world earn yield through the platform.
Yes, Monetary Metals offers both gold and silver leases and bonds, depending on the business need and metal usage.
They are structured as true leases of personal property under law. Title remains with the investor, metal is not an asset of the lessee, and is not available to creditors in bankruptcy. Gold & Silver Leases
A rental agreement where investors retain ownership while leasing physical gold to qualified businesses for use as inventory or work-in-progress, earning 2.5-4% annual yield paid in gold.
Over 70 since 2016, with zero defaults.
Jewelers, dealers, mints, refiners, recyclers, manufacturers, and other businesses that use gold as inventory or in their production process.
No, title always remains with the investor. The gold is not an asset of the lessee and is not available to creditors in bankruptcy.
No, unless they simultaneously replace it with equal amounts to maintain the lease balance. Lease agreements strictly prohibit selling or removing leased metal.
The metal can either roll over for another term (most common) or return to the investor's account as undeployed metal.
Yes, during the active lease term (typically 12 months). However, undeployed metal in the account has no lockup and can be withdrawn anytime.
Monthly in physical gold or silver, deposited directly into client accounts. Interest is immediately available to withdraw, sell, or leave for compounding.
An account structure that holds metal before deployment into specific leases, potentially earning a variable yield based on opt-in percentage and available opportunities.
12 months or less, with automatic rollover at maturity unless the investor opts out.
Historically 2.5% to 4% annually, net to investors. Current weighted average published on monetary-metals.com homepage.
Yes, investors can opt out of any lease opportunity without penalty. If you don't opt out, you receive automatic pro-rata allocation.
5 business days from when the lease is published in the client portal.
Detailed due diligence summary including: company information, gold usage, interest rate, term length, risks, risk mitigations, insurance coverage, and financial details.
Yes, all lessees are required to insure metal on lease and list Monetary Metals as loss payee. Monetary Metals also carries supplemental insurance.
Three layers: (1) Vault/depository insurance, (2) Lessee property insurance, (3) Monetary Metals supplemental DIC/DIL coverage for theft, fraud, and bad acts.
Through multiple methods: daily API inventory reporting from lessees, ERP integration, RFID tracking via secure logistics partners, and third-party audits.
10-step process: (1) Establish business need, (2) Understand gold flows, (3) Analyze security, (4) Know management (AML/KYC, background checks), (5) Scrutinize financials, (6) Establish monitoring, (7) Secure guarantees, (8) Apply insurance, (9) Establish legal structure, (10) Site visits.
Yes, Monetary Metals requires corporate and personal guarantees from majority owners. All company and personal assets subject to collection in default event.
Yes, physical gold is present at specific secure locations defined by the lease agreement throughout the lease term.
For businesses like jewelers or manufacturers, they must replenish gold simultaneously during fabrication or refining. The leased amount never falls below the specified quantity.
Monetary Metals leases keep physical gold always present with title retained. Bullion bank 'leases' often involve selling gold with a promise to repay—more like lending.
Yes, rates vary by opportunity, typically in the 2.5-4% range, depending on the lessee, term, and market conditions.
Yes, Monetary Metals offers silver leases with similar structure to gold leases. Minimum: 1,000 ounces of silver.
According to available information, silver leases earn yield when deployed in specific lease opportunities, similar to gold.
As of January 2025: 3.32% for gold leases only, 6.72% when including bonds. Current rates published on monetary-metals.com.
Yes, most leases automatically roll over for another term at maturity, enabling compound growth, unless you opt out.
Yes, you receive notification before rollover and have 5 business days to opt out if desired.
You cannot withdraw gold that is actively deployed in a lease. You must wait until the lease term ends (typically 12 months or less).
Multiple protections: insurance (three layers), personal/corporate guarantees, real-time monitoring, ERP integration, RFID tracking, third-party audits, and legal structure ensuring title remains with you. Gold & Silver Bonds
Loans to businesses for expansion, denominated and paid in gold ounces. Similar to conventional bonds but using gold instead of currency. Terms typically 2-5 years, offering 6-19% annual yields.
Accredited investors only, due to higher risk profile. Must have net worth exceeding $1M (excluding primary residence) or annual income above $200K (single)/$300K (joint) for past two years.
Terms of 1-5 years (typically 2-5 years), with quarterly interest payments in physical gold or silver.
Historically 6% to 19% annually, significantly higher than lease rates due to increased risk and longer terms.
6.72% annually across all leases and bonds on the platform (as of January 2025). Individual returns vary based on participation.
Bonds are: (1) Securities (regulated), (2) Loans to borrowers, (3) Higher yields (6-19%), (4) Longer terms (2-5 years), (5) Quarterly payments, (6) Accredited investors only, (7) Higher risk.
Mining companies, refiners, depositories, and other gold-related businesses with gold income capable of amortizing debt by producing gold ounces.
Typically no. Unlike lessees who need inventory, bond borrowers usually have gold income from operations that allows them to repay in gold ounces over time.
Rigorous due diligence including: extensive financial modeling, reviewing 43-101 or JORC reports (mining), independent expert opinions on feasibility/metallurgy/resources, and using borrower's assets as collateral.
Depends on the specific offering. Insurance details disclosed in individual bond presentations. Unlike leases, bonds don't typically have the same three-layer insurance structure.
Borrower's assets serve as collateral. For mining companies, this includes mineral resources, equipment, and project assets evaluated by independent experts.
Yes, yields can be reinvested into new lease or bond opportunities for compounding growth.
Higher thresholds than leases, typically around $10,000 equivalent or more, disclosed in each bond offering.
Quarterly, paid in physical gold or silver directly into client accounts.
This depends on the specific bond structure and market conditions. Most bonds are held to maturity. Check individual bond terms.
In 2022-2024, Monetary Metals issued a 6% gold bond that wasn't for a mining company—the first such bond since the gold standard era.
A 12% silver bond issued in 2024 that raised over 1 million ounces of silver to fund the restart of a lead-zinc-silver mine in Idaho's silver valley.
Yes, the first gold bond (issued 2020) matured in 2023 and was fully repaid—all principal and interest as scheduled. Perfect performance.
Monetary Metals pursues collection through borrower's assets (collateral), personal guarantees from owners, and legal proceedings if necessary. However, no defaults have occurred to date.
Most bonds have terms of 2-5 years, longer than the 12-month standard for leases.
Bond rates are typically fixed at issuance, stated in the bond terms.
Yes, investors retain full exposure to gold price movements since principal and interest are denominated in ounces.
Yes, if you're an accredited investor, you can participate in both. Non-accredited investors can only access leases.
Extensive process including: studying 43-101 or JORC reports, financial modeling with scenario/stress testing, hiring independent 3rd party experts, and thorough onsite visits of mine property.
Experts who opine on resource estimates, mine plans, metallurgy, project feasibility, and other technical aspects critical to bond repayment.
Yes, unlike leases which can auto-allocate, bonds require active review and decision to participate in each offering.
Through detailed presentations in the client portal including financial analysis, risk factors, mitigations, borrower information, and terms.
This depends on account structure and IRA rules. Consult with a self-directed IRA specialist and tax advisor.
Investors benefit since repayment is in ounces. Higher gold prices mean higher dollar value of the same ounce quantity received.
You still receive the same number of ounces as promised, but the dollar value would be lower. This is market risk, not default risk. Account Setup & Management
Online at monetary-metals.com. The process takes 10-15 minutes and accounts are typically approved within 24 hours.
10 ounces of gold, or 1,000 ounces of silver, or the US dollar equivalent thereof.
US residents: Government-issued photo ID. Non-US residents: Government ID and proof of address dated within 90 days. All investors: W-9 form (US) or W-8BEN/W-8BEN-E (non-US).
Two options: (1) Buy metal through Monetary Metals at less than 1% over spot, or (2) Transfer existing physical metal (major bullion products accepted).
Individual accounts, joint accounts, trust accounts (requires trust agreement), and company accounts (requires operating agreements or bylaws).
Yes, depends on trust documents. The Monetary Metals team reviews trust structure to ensure compatibility.
No maximum for precious metals held either via storage or available for leases. However, not all metal is guaranteed to be leased at any given time.
Yes, you can add additional gold or silver at any time through purchase or transfer of physical metal.
Through the client portal. Each new lease opportunity provides 5 business days to review and opt out. If you don't opt out, you're automatically allocated.
Submit a withdrawal form through the portal. Choose: cash sale, physical delivery, or transfer. Processing takes a few business days for undeployed metal.
No, gold actively deployed in a lease cannot be withdrawn until the lease term ends (typically 12 months or less).
Allocated pool—the most liquid, efficient, and marketable form of physical ownership. You own proportionate amounts of specific bars/coins.
Yes, via the secure client portal showing real-time balances, lease allocations, dollar value (based on previous day's LBMA PM fix), and total interest earned since inception.
Through the secure online client portal at client.monetary-metals.com with your unique login credentials.
Yes, entire account opening, funding, management, and withdrawal process can be completed online.
Yes, monthly statements provided to all account holders showing all transaction history and details, accessible through the client portal.
Yes, you can configure default settings for automatic participation or manual review of each lease opportunity.
If you don't opt out within 5 business days, you automatically receive pro-rata allocation based on your available metal balance.
Phone: +1 480-867-2100, email through website contact form, or secure messaging through client portal.
Team of Relationship Managers (onboarding), Account Managers, and Client Relations Associates (ongoing support).
Submit application, provide required documents, pass KYC verification, choose funding method, review and sign agreements, receive account credentials. Typically approved within 24 hours.
Account features are generally standard, but transaction spreads vary by volume: Under $250K (0.75%), $250K-$1M (0.55%), $1M+ (0.40%).
US citizens and permanent residents are primary market. International investors evaluated case-by-case and must pass KYC verification.
Monetary Metals may lower minimum requirements as part of promotional efforts or partner programs. Consult with account team about specific situations.
This depends on your needs. Contact Monetary Metals to discuss multiple account structures for different purposes. Returns & Performance
Historically 2.5% to 5% annually, with weighted average around 3-4%. Current weighted average: 3.32% (January 2025). Published on monetary-metals.com.
Historically 6% to 19% annually, with higher returns reflecting higher risk and longer terms.
3.32% for gold leases only; 6.72% for all leases and bonds combined (January 2025).
No, yields are historical and depend on available opportunities, lessee/borrower performance, and your opt-in selections. Past performance doesn't guarantee future results.
In ounces of gold or silver, not dollars. You earn physical metal, growing your total ounce holdings.
Yes, via silver leases and bonds when deployed in specific opportunities.
Yes, by reinvesting yields. Interest payments can be left in the account and automatically deployed in new lease opportunities for compounding.
Yields offset and exceed typical 0.5% annual storage fees charged elsewhere. Instead of paying to store gold, you earn income on it.
Investors retain full gold price exposure—price gains are separate from yields. You benefit from both ounce growth (yield) and any dollar price appreciation.
Use the online calculator on monetary-metals.com. Input your ounces, select rate and duration to see projected earnings.
Yes, lease yields have ranged 2-5%, subject to market conditions and available opportunities. Bond yields vary more widely (6-19%).
Bond rates have reached as high as 19% annually for certain mining projects with higher risk profiles.
Historical average has been in the 3-4% range for gold leases, with individual opportunities varying based on lessee and terms.
Only on metal deployed in active leases or bonds. Undeployed metal stored free but earns no yield (unless in Lease Yield Account structure).
Monthly for leases (interest paid monthly), quarterly for bonds. The more frequently you reinvest, the faster compounding occurs.
100 ounces at 3% annually = 3 ounces earned per year = 0.25 ounces per month = 103 total ounces after one year.
Perfect: Zero defaults, zero loss of metal, zero late payments since inception in 2016 through January 2025.
No, all payments have been on time throughout the company's history.
Your earnings are in ounces. If gold price rises, the dollar value of your ounce earnings increases, but you still receive the same number of ounces promised.
Yes, the client portal shows total interest earned since account inception in ounces, plus dollar value based on current prices.
Yes, different leases and bonds offer different rates (2.5-19% range), so your overall return depends on which opportunities you participate in.
Participate in all opportunities (don't opt out), reinvest yields for compounding, and consider bonds if you're an accredited investor and can accept higher risk.
Hard to compare directly since returns are in ounces, not dollars. You get steady ounce growth (3-7%) plus any gold price appreciation, unlike stocks/bonds which only provide dollar returns.
Your returns will be lower than the weighted average if you selectively opt out of opportunities. The weighted average assumes participation in all available opportunities.
For leases: first interest payment typically within 30-45 days after lease commencement. For bonds: first quarterly payment within first quarter of bond term. Risks & Security
Four main categories: (1) Counterparty risk (borrower default), (2) Market risk (gold price decline in dollar terms), (3) Liquidity risk (locked during lease term), (4) Platform risk (company solvency).
Historically perfect: zero defaults, zero loss of metal, zero late payments. However, past performance doesn't guarantee future results.
Through multiple protections: three-layer insurance, personal/corporate guarantees, real-time monitoring, ERP integration, RFID tracking, third-party audits, and legal structure ensuring title remains with investor.
You benefit from price gains since you retain ownership. Your ounce holdings grow through interest, and the dollar value of all your ounces increases with price.
Your ounce holdings still grow (you get more ounces than you started with), but the dollar value may decline. You've reduced the downside by earning income.
No financial penalties, but gold actively in a lease cannot be withdrawn until lease end. Undeployed metal can be withdrawn anytime.
Through: rigorous vetting of borrowers, insurance requirements, personal/corporate guarantees, continuous monitoring, ERP integration, site visits, and legal structures maintaining physical presence of gold.
Held as allocated pool, meaning you own proportionate amounts of specific bars/coins. Ownership is tracked precisely through Monetary Metals' ledger system.
Minimized through: thorough vetting (10-step process), insurance (3 layers), guarantees (personal & corporate), real-time monitoring, and legal rights to repossess.
Metal stored in multiple locations worldwide provides diversification. Monetary Metals works with depositories in stable jurisdictions.
Very transparent. Detailed risk factors and mitigations disclosed in every lease and bond presentation for investor review before participation.
Monetary Metals has clear legal right to repossess gold as it's a true lease (not a loan). Gold is outside the bankruptcy estate. Insurance and guarantees provide additional protection.
Client gold is outside Monetary Metals' bankruptcy estate. Personnel would return gold in storage and unwind leases as they terminate. Your metal is segregated from company assets.
No, this is not a bank account. Protection comes from insurance policies, legal structure, guarantees, and the fact you own physical metal.
No, your gold is held at third-party depositories, not owned by Monetary Metals. Title always remains with you.
SOC 2-compliant environment with encryption (data in transit and at rest), role-based access controls, multi-factor authentication, continuous monitoring, and segregated environments.
SOC 2 Type II certification requires regular third-party audits of security controls and processes.
Depositories carry insurance covering full replacement value of metals. Additionally, Monetary Metals' supplemental insurance provides another layer.
Depository insurance and Monetary Metals supplemental insurance are disclosed for each lease. Coverage includes full replacement value, not just dollar value at time of loss.
Enterprise-grade security including encrypted channels for all integrations, vulnerability assessments, hardened configurations, continuous monitoring, and SOC 2 compliance. Insurance & Protection
Three-layer structure: (1) Vault/depository insurance, (2) Lessee property insurance (Monetary Metals as loss payee), (3) Monetary Metals supplemental DIC/DIL policy.
Difference in Conditions/Difference in Limits—supplemental coverage through leading UK global insurer covering gaps in standard coverage like theft, fraud, and bad acts by owners.
Yes, all insurance costs are covered—no separate fees to investors. Lessees pay for their property insurance, and Monetary Metals pays for supplemental coverage.
Insurance covers the replacement cost in ounces, not just dollar value at time of loss. If gold price increases, coverage reflects current value.
No, bonds have different insurance structures disclosed in individual bond presentations. They don't typically have the same three-layer insurance as leases.
Directors & Officers (D&O) coverage, Errors & Omissions (E&O), limited premises liability, auto rental coverage, and cyber insurance.
Lessees pay for their property insurance, Monetary Metals pays for supplemental DIC/DIL coverage and vault insurance. No separate insurance costs to investors.
Monetary Metals, as loss payee, files claims with both lessee's insurance and supplemental policy. Multiple layers ensure maximum recovery.
Personal guarantees make owners' personal assets subject to collection in default events, providing additional recourse beyond insurance.
True lease structure means gold is lessor's property, outside lessee's bankruptcy estate. Legal agreements establish this right, enforced through monitoring and controls.
No, lease agreements prohibit using leased gold as collateral since title remains with the investor.
Daily inventory reporting via API, ERP integration, RFID tracking, third-party audits, site visits, and continuous compliance monitoring.
Through API integrations with lessee ERP systems, partnerships with secure logistics providers using RFID, and independent third-party audits.
Yes, site visits and walkthroughs are part of the due diligence process, with ongoing monitoring throughout lease terms.
Monetary Metals can terminate the lease and repossess gold. Lease agreements include covenants that must be maintained.
Continuously through real-time monitoring systems, with regular third-party audits and site visits as needed.
Multiple layers (lessee insurance + supplemental DIC/DIL + personal/corporate guarantees) minimize this risk. Perfect track record to date means theoretical only.
Yes, all vault partners must meet criteria including willingness to support independent third-party attestation and verification.
Vault selection criteria includes willingness to support client visitation and inspection. Arrangements can be made through Monetary Metals.
Multiple avenues: insurance claims, personal guarantee enforcement, corporate asset collection, liens where filed, and legal proceedings in relevant jurisdiction. Technology & Operations
Internal ledger and settlement engine with true double-entry accounting for all metal and fiat transactions, calculating gold balances to five decimal places.
Gold balances calculated to five decimal places in ounces (e.g., 10.12345 oz) for maximum precision.
Automated daily inventory reporting from vaults, transport partners, and lessees providing real-time position verification and reconciliation.
Secure online platform showing real-time balances, lease/bond allocations, dollar value (LBMA PM fix), total interest earned, transaction history, and monthly statements.
SOC 2-compliant controls including encryption (in transit and at rest), role-based access, multi-factor authentication, continuous monitoring, segregated environments, and routine vulnerability assessments.
All data encrypted in transit and at rest using enterprise-grade encryption. All integrations with vaults, partners, and lessees over secure, encrypted channels.
Industry-recognized standard validating security, availability, and confidentiality of systems through rigorous third-party audits. Monetary Metals achieved this in 2024.
Through true double-entry accounting in proprietary internal ledger, with all fiat and metal transactions tracked, reconciled across vaults/lessees/clients, and documented with confirmations/invoices.
Daily. Monetary Metals imports external holdings reports from depositories, vaults, and transport companies daily, and receives daily inventory reporting via API from lessees.
Yes, balances calculated to five decimal places with daily reconciliation across multiple systems and external verification from depositories and lessees.
SOC 2 compliance requires redundancy, disaster recovery, and business continuity planning. Specific details are part of security protocols.
Role-based access controls, multi-factor authentication, and continuous monitoring ensure only authorized personnel and clients can access accounts.
Currently web-based portal accessible via browser. Some customers have mentioned desire for mobile app in reviews.
Internal ledger tracks all transactions, external holdings reports imported daily, API-driven inventory reporting from lessees, robust documentation system with confirmations/invoices.
Multiple verification systems (internal ledger + external reports + API feeds + third-party audits) provide redundancy. SOC 2 compliance requires error detection and correction procedures.
Multi-factor authentication, role-based access controls, transaction confirmations, and audit trails for all activities.
Real-time portal access, monthly statements, transaction history, holdings reports, and interest earned summaries.
Yes, through the client portal. Monthly statements also available for download.
Account notifications delivered via email and/or through client portal for new lease opportunities, payments, and important account updates.
SOC 2 compliance requires high availability. Specific uptime SLAs maintained as part of operational standards. Storage & Vaulting
Multiple best-in-class depositories and vaulting institutions worldwide. Specific locations include facilities operated by partners like Loomis, Brinks, and Malca Amit.
Currently free as long as you maintain 10oz in your gold lease yield account. Monetary Metals reserves right to charge fees with 30 days' notice.
Yes currently. Storage is free for metal whether deployed in leases or held as undeployed. This eliminates the typical 0.5%+ annual storage fees charged elsewhere.
Multiple global locations including facilities in the United States and internationally, providing geographic diversification.
Delaware Depository is mentioned as one example. Full list includes Loomis, Brinks, Malca Amit, and others meeting Monetary Metals' criteria.
Yes, all vault and depository partners must be audited and insured as part of Monetary Metals' selection criteria.
Yes, upon withdrawal from undeployed balance. You can convert allocated pool to specific bullion products for physical delivery.
Based on 11 criteria: operational history, financial strength, jurisdictional breadth, competitive costs, insurance (full replacement value), background checks, tax implications, legal capabilities, willingness to support third-party verification, client visitation support, and client-specific requirements.
Insurance covering 'full replacement value' of precious metals—not just dollar value at time of loss—critical protection against price increases.
Yes, vault selection criteria includes willingness to support client visitation and inspection. Contact Monetary Metals to arrange.
Professional depository-grade security including physical security, insurance, audits, and strict access controls meeting industry standards.
This would typically be handled through Monetary Metals' operations team. Metal held as allocated pool facilitates transfers between approved facilities.
Held as allocated pool—you own proportionate amounts of specific bars/coins. Not individually segregated, but ownership precisely tracked.
Vault insurance plus Monetary Metals' supplemental insurance provides multiple layers of protection. Partner vaults selected for financial strength and operational history.
Processing typically takes a few business days for undeployed metal. Shipping time depends on location and delivery method selected.
Major bullion products. Your allocated pool can be converted to coins, bars, or other standard forms accepted by Monetary Metals.
Shipping costs may apply for physical delivery. No fees for selling metal or keeping it in the account.
Transport handled by professional logistics partners (Malca Amit, Brinks, Loomis) with full insurance coverage during transit.
Monetary Metals manages vault relationships and allocations. Clients don't typically choose specific vaults, but benefit from diversification across the network.
Allocated pool is the most liquid, efficient, and marketable form of physical ownership—supported by World Gold Council. Perfect for yield generation while maintaining physical ownership. Regulatory & Legal
No, Monetary Metals is not an investment advisor and does not provide investment advice or recommendations.
No, Monetary Metals is not a Broker Dealer. It partners with registered broker dealers (Ashton Stewart) for securities transactions (bonds).
A registered broker-dealer (Member FINRA/SIPC) located at 1395 Brickell Ave. Suite 800, Miami, FL 33131, partnering with Monetary Metals for securities offerings.
Partnership established September 2016. Ashton Stewart provides broker-dealer services for gold/silver bonds (securities) and compliance oversight for securities-related sales activities.
No, Ashton Stewart & Co., Inc. is NOT affiliated with Monetary Metals. They are an independent partner providing broker-dealer services.
Gold and silver bonds are securities under SEC regulations, requiring registered broker-dealer involvement for compliance with securities laws.
No, gold leases are NOT securities. They're structured as true leases of personal property, not subject to securities regulations.
Gold bonds must comply with private placement regulations as securities offered to accredited investors through registered broker-dealer.
Financial Industry Regulatory Authority—self-regulatory organization that oversees broker-dealers and securities activities.
Securities Investor Protection Corporation—provides limited protection for securities held by member broker-dealers. Note: physical gold leases not covered by SIPC.
As a non-registered entity for leases (not securities), with broker-dealer partnership for bonds (securities). Subject to applicable state and federal laws.
Full-time General Counsel Jeff Deist, plus outside counsel including Dentons US LLP, Norton Rose Fulbright US LLP, and Quarles & Brady LLP.
Licensed attorney with degrees in law and taxation. Previously worked at KPMG and other major firms specializing in private equity, M&A, and tax.
Yes, general consumer protection laws apply. Monetary Metals maintains A+ BBB rating and SOC 2 certification demonstrating commitment to client protection.
Comprehensive disclosures in each lease and bond presentation including risks, mitigants, terms, insurance coverage, and all material information.
Yes, various state laws may apply depending on investor location and transaction type. Monetary Metals maintains compliance across jurisdictions.
Account agreements specify dispute resolution procedures. Legal recourse available through courts in relevant jurisdiction.
Depositories subject to state and federal regulations governing precious metals storage facilities, plus insurance and audit requirements.
Yes, Monetary Metals conducts AML/KYC screening for all clients and management of companies seeking financing.
All investors must pass KYC verification including identity verification (government-issued ID), address verification, and AML screening before account approval.
Standard financial reporting requirements apply. Monetary Metals issues tax forms (1099-INT for US taxpayers) as required.
Monetary Metals monitors regulatory environment and adapts operations as needed to maintain compliance with evolving requirements.
Yes, including disclosure requirements, accreditation verification for bonds, and various consumer protection laws.
True lease structure for leases, clear title documentation, legal agreements establishing ownership rights, and segregation from Monetary Metals' assets.
You do. For leases, title always remains with the investor. For storage, clear documentation establishes your ownership. Fees & Costs
Only transaction spreads when buying/selling metal. NO storage fees, NO insurance fees, NO management fees, NO account maintenance fees.
No, storage is currently free as long as you maintain 10oz in your gold lease yield account.
No, all insurance costs covered. Investors pay nothing for the three-layer insurance structure protecting leased gold.
No, Monetary Metals earns revenue through spreads on lease/bond rates, not through management fees charged to investors.
Volume-based: Under $250k (+/- 0.75%), $250k-$1M (+/- 0.55%), $1M or more (+/- 0.40%).
When buying metal through Monetary Metals, you pay spot price plus the spread percentage. When selling, you receive spot price minus the spread percentage.
Net to investors. Published rates (e.g., 3% lease rate) are what you receive after Monetary Metals takes its market-making fee.
Through spread between what lessees/borrowers pay and what investors receive. Example: lessee pays 6%, investor gets 4%, Monetary Metals earns 2%.
No withdrawal fees, but shipping costs may apply if requesting physical delivery of metal.
No fees to open or maintain an account.
No financial penalties for opting out of leases or closing accounts (subject to waiting for active leases to end).
Very competitive. Low spreads (0.40-0.75%), no storage fees, no management fees. Competitors often charge 0.5%+ annual storage plus transaction fees.
Everything. The rate you see (e.g., 3%) is net to you after all costs, fees, and Monetary Metals' compensation.
No hidden fees. All costs disclosed upfront: transaction spreads for buying/selling, and potential shipping costs for physical delivery.
ETFs charge ongoing management fees (0.40%+). Monetary Metals charges no management fees, and you earn positive yield instead of paying ongoing costs.
Home storage has security risks and potential insurance costs. Monetary Metals provides professional storage free, plus you earn yield.
Monetary Metals reserves right to charge storage fees with 30 days' notice per account agreement. If implemented, fees would be disclosed clearly.
No, yields depend on available opportunities and lessee performance. All quoted rates subject to lessee/sublessee performance.
Yes, if you hold long-term. Example: 0.75% spread paid once when buying, but 3% annual yield significantly exceeds that over time.
Not typically applicable as transactions in USD or metal. International wire transfers may have bank fees. Tax Considerations
Yes, potentially taxable as income. US clients receive 1099-INT forms. Consult tax professional for specific situation.
Possibly, avoiding immediate taxable gains when metal-for-metal transactions occur. Consult tax advisor about like-kind exchange treatment.
1099-INT for US taxpayers showing interest income earned during the tax year.
Yes, tax treatment varies by country and individual circumstances. International investors should consult local tax professionals.
May be treated as rental income, or deferred if structured as like-kind. IRS hasn't issued specific guidance on gold leasing. Consult tax professional.
Likely taxed as interest income. Since bonds are securities, standard bond taxation rules may apply. Consult tax professional.
Yes, when you eventually sell gold, capital gains taxes may apply based on your cost basis and holding period.
Initial purchase price plus any additional metal purchased, minus any metal sold. Keep detailed records of all transactions.
Complex—depends on IRA structure. Self-directed IRAs with specific structures may be possible. Consult self-directed IRA specialist and tax advisor.
W-8BEN or W-8BEN-E forms required. US withholding may apply depending on tax treaty. Consult international tax advisor.
Potentially, depending on your state. Some states tax precious metals transactions or income differently. Consult state tax advisor.
Report interest income shown on 1099-INT form on your tax return. Consult tax professional for proper reporting method.
All transaction confirmations, monthly statements, 1099-INT forms, purchase/sale records, and documentation of cost basis.
Yes, precious metals holdings should be included in estate planning. Consult estate planning attorney.
Passes according to account type: individual (estate/probate), joint (surviving holder), trust (trust terms), company (company structure).
Depends on account type. Some structures allow beneficiary designations. Discuss with account team and estate planning attorney.
Potentially, if transferring large amounts of metal to others. Consult tax professional about gift tax rules and exclusions.
US taxpayers may need to file FBAR or FATCA reports if foreign account values exceed thresholds. Consult international tax advisor.
If gold value declines, potential to realize capital losses when selling. Strategy should be discussed with tax professional.
If earning significant interest income, may need quarterly estimated payments. Consult tax professional about estimated tax obligations. Comparisons to Alternatives A. General Uniqueness & Fundamental Differences
Traditional investing (buying/holding coins, bars, or ETFs) offers only price appreciation with potential storage costs or fees; Monetary Metals adds a real yield (2–4% in leases, up to 19% in bonds) paid in physical ounces, turning gold from idle to productive.
It leases metal to businesses (jewelers, mints, miners) for operations, enabling gold to finance production and earn returns, unlike passive vaults or home storage where gold sits unused.
Gold is money; fiat yields debase value via inflation. Yields in ounces preserve and grow purchasing power in metal terms, compounding holdings without currency risk.
Free storage + yields offset/eliminate typical ~0.5% fees; investors earn instead of paying, addressing industry-wide deadweight loss.
Dealers focus on transactions/spreads; Monetary Metals adds income generation via leases/bonds while handling buying/selling with low spreads (0.40–0.75%).
Home/delivery options incur risks/costs without yields; Monetary Metals provides secure, insured depository storage for free + optional productive leasing.
It prioritizes yield marketplace over spot trading/ETFs; connects owners directly to productive users for in-kind returns.
Fiat causes debasement; passive gold incurs negative carry. Monetary Metals makes gold earn like money should, via productive finance.
Spot platforms enable buying/selling; the Marketplace matches owners with businesses for yields in metal, not fiat.
Profits via small spread on lessee fees; no fees unless yields are generated (free storage incentivizes participation).
Only company offering true physical gold leases with yield paid in metal, free storage, zero defaults, and perfect track record since 2016. B. Monetary Metals vs. Physical Bullion & Storage
Bullion sits idle, often costing you via storage/insurance fees and no income; Monetary Metals provides free storage + yields (2–5% in leases) paid in additional ounces, growing your holdings regardless of price.
Conventional bullion incurs ~0.5% annual fees (industry-wide burden ~$150B); Monetary Metals offers free, insured storage at audited depositories, profiting only from lease spreads when you earn.
No—home/dealer storage risks theft/loss + no yield; Monetary Metals adds productive income (leases to businesses) while retaining ownership and price upside.
Price gains are uncertain; yields compound ounces reliably (e.g., reinvest to grow from 100 oz to more over time), turning bullion from a cost center into an income source.
Leases metal to vetted businesses (jewelers, mints, refiners) for operations; bullion is idle, but Monetary Metals finances production, earning you 2–4%+ in metal.
Yes—bullion grows only via price; Monetary Metals adds compounding yields in ounces (e.g., 3.32% weighted average leases), building more metal over time.
'Set and forget' bullion erodes via fees/inflation opportunity cost; Monetary Metals' free storage + optional yields simplify while enhancing returns—no added complexity for undeployed metal.
Home holding risks theft/loss + no yield; Monetary Metals offers insured, free storage + 2–4% yields.
Eliminates ~0.5% annual fees; free storage + yields turn cost into income.
Conventional vaults charge fees; Monetary Metals waives them, with yields possible on deployed metal.
No fees + productive yields vs. pure cost; metal remains allocated/insured.
Puts metal to work earning ounces; idle gold loses via inflation/storage.
Reverses negative carry; earns 2–4% net in metal.
Free base storage + optional leasing for positive returns.
Perth charges fees; Monetary Metals free + yields via business leases.
Adds income layer; focuses on private, productive financing vs. pure custody.
Gains yield/compounding in ounces while retaining ownership/price exposure. C. Monetary Metals vs. Gold ETFs
ETFs track price minus fees (0.40% for GLD); no yield. Monetary Metals adds 2–4%+ in metal with free storage and physical ownership.
ETFs have negative carry; Monetary Metals positive via leases, offsetting any costs.
True allocated metal + yields; ETFs are paper claims with counterparty/custody risks.
ETFs rely on trusts/custodians; Monetary Metals uses physical leases with vetted businesses + insurance.
Direct physical allocation; no futures/paper mismatches.
Compounds ounces via yields; ETFs erode via fees.
Adds real yield; ETFs only price change net of costs.
Treats gold as productive currency; ETFs as dollar-denominated asset.
IAU ~0.25% fee drag; Monetary Metals free + positive yields.
Direct title retention; no trust intermediaries. D. Monetary Metals vs. Other Vault/Allocated Storage Platforms
Goldmoney focuses on storage/trading with fees; Monetary Metals adds yields + free storage.
Yields in metal + no storage fees vs. Goldmoney's costs.
BullionVault low-cost trading/storage fees; Monetary Metals income via leases.
Adds productive yields; BullionVault emphasizes peer-to-peer trading.
OneGold lower fees but no yields like Monetary Metals' leases.
In-kind yields vs. OneGold's trading/storage focus.
Turns allocation into income source.
No fees + positive returns vs. their minimums/percentages.
Yields + direct leases vs. trust structure/fees.
Adds income layer absent in pure allocated storage.
Yellow Metal, Goldex Technologies, Goldmoney, Tradewind Markets, OneGold, Lear Capital, Alpine Gold Exchange.
Alpine: Lower minimums, full-reserve vault model (gold never leaves), simpler, 2-3.5% yields. Monetary Metals: Higher minimums (10oz), higher yields (2-19%), gold used productively, broader marketplace.
Allocated storage: Safe, but costs 0.5%+ annually, no yield. Monetary Metals: Free storage plus earn 2-19% yields.
Gold savings accounts: Some offer small yields but often have paper gold exposure. Monetary Metals: Physical metal, higher yields, transparent structure.
Unallocated: Gold on institution's balance sheet, high counterparty risk. Monetary Metals: Allocated pool ownership, lower counterparty risk, plus earn yield. E. Monetary Metals vs. 'Yield' or Leasing Platforms
Monetary Metals: True physical leases, transparent, gold always present, title retained. Bank leases: Often sell gold with promise to repay, opaque, paper-based.
Physical metal stays allocated; no futures/credit extension risks.
Physical focus + business leases vs. digital/hybrid models.
Tangible metal vs. volatile digital; lower counterparty risk.
Rigorous vetting, insurance, track record (70+ leases, perfect payments).
Focus on productive, qualified businesses; transparent opportunities.
Higher yields (6–19%) in metal for accredited; longer terms for expansion.
Yield marketplace vs. tokenized/niche models.
Established since 2012; consistent payments, global deals.
Crypto platforms: Many failed (Celsius, BlockFi), high risk, no physical backing. Monetary Metals: Physical assets, zero defaults, lower risk, 9-year track record. F. Monetary Metals vs. Fiat Bonds & Traditional Fixed Income
Fiat bonds pay in depreciating dollars, vulnerable to inflation/volatility; Monetary Metals bonds yield 6–19% in physical metal ounces, hedging currency risk while preserving wealth in scarce assets.
Fiat yields (e.g., 4–5% Treasuries) lose real value to inflation; Monetary Metals pays in gold/silver (e.g., 12% silver bond example), growing ounces immune to dollar debasement.
Dollars erode purchasing power; metal yields compound scarce assets, aligning with gold's historical role as money (productive until fiat era severed ties).
Fiat bonds have credit/default risk + interest rate volatility (huge losses possible); Monetary Metals bonds back physical metal with vetted borrowers, insurance, and historical perfect track record—though less liquid, focused on accredited investors.
Weiner notes fiat bond price swings (e.g., losses from rate changes); Monetary Metals pays fixed yields in ounces, with returns tied to metal productivity, not fiat rates.
Standard fiat bonds expose you to currency failure; Monetary Metals restores gold/silver as interest-bearing money, financing production without fiat intermediation.
Bullion + fiat bonds mix idle asset + depreciating yield; Monetary Metals combines hedge (metal) + income (yields in metal), reducing fiat exposure entirely.
Separate approach doubles counterparty risks/fees; Monetary Metals integrates yield on the hedge asset itself, in-kind, for efficiency and alignment.
Bullion safety comes with costs/no income; fiat income erodes. Monetary Metals delivers both: safety in physical metal + income in metal.
Inflation/debasement (beats fiat yields), long-term holding (compounds ounces), cost aversion (free storage), productive philosophy (finances real economy).
Replaces passive bullion (adds yield) and fiat bonds (removes currency risk); complements broader portfolios as a true alternative asset with income.
Bullion/fiat bonds have storage/credit risks; Monetary Metals has borrower default risk (mitigated by vetting/insurance), but offers positive carry vs. bullion's negative or fiat's volatility.
Adds 2–5%+ annual yields on top of bullion price moves; outperforms fiat bonds in real terms during inflation (e.g., gold's strength vs. bond losses). G. Monetary Metals vs. Mining Stocks, IRAs & Other Alternatives
Direct metal + yields vs. operational/equity risks in miners.
Mining stocks: High risk, operational exposure, leverage to gold price, but can lose money when gold rises. Monetary Metals: Direct metal ownership, stable yields, less volatility.
Dealers focus on buying/selling physical metal for delivery. Monetary Metals focuses on earning yield on metal you already own. Different purposes.
Gold IRAs store metal for retirement. Monetary Metals earns yields on metal. Could potentially combine by using self-directed IRA to invest with Monetary Metals.
Yields possible; traditional IRAs store without income. Productive returns in metal; potential tax efficiency.
Yields via leases vs. spending/storage focus.
Hedge + real yield in scarce asset vs. fiat/dividend erosion.
Gold/silver as money with yields; not industrial focus.
Gold certificates: Paper promises, counterparty risk. Monetary Metals: Own physical metal, can take delivery, earn yield.
Futures: High leverage, speculation, short-term, no ownership. Monetary Metals: Physical ownership, income generation, long-term focus.
Options: Derivatives, expire worthless, speculation. Monetary Metals: Own physical, earn income, permanent holding.
Mutual funds: Professional management but charge fees, often invest in mining stocks (operational risk). Monetary Metals: Direct metal, no management fees, earn yield. H. Specific Differentiators (Yields, Risks, Operations)
Positive real return in ounces; beats storage/ETF drag.
Higher for longer-term lending; in-kind payments.
Preserves metal wealth; no fiat conversion.
Exponential growth in holdings vs. fiat dilution.
Monetary Metals: Compound in metal (ounces grow geometrically). Traditional investments: Compound in dollars (face debasement risk).
Consistent since 2016; builds trust. Zero defaults, zero loss of metal.
Limits to productive, qualified users; minimizes defaults through 10-step due diligence process.
Insurance, monitoring, physical retention vs. paper risks. Three-layer insurance structure.
Retained title; not loaned/sold. Lessor maintains legal title throughout lease term.
Flexible; only leased portions committed. Undeployed metal can be withdrawn anytime.
Competitive with dealers; no added fees. Volume-based pricing structure.
Taps international demand; diversifies opportunities across five continents.
Low spreads (0.40-0.75%), no storage fees, no management fees. Competitors often charge 0.5%+ annual storage plus higher transaction fees. I. Philosophical & Long-Term Vision
Enables earning/productive use; counters speculation by treating gold as a productive financial instrument.
Yields in gold hedge inflation; restores sound money principles where gold earns interest like money should.
Uses market signals for productive financing rather than pure speculation.
Scales gold-based economy; demonstrates gold can circulate productively in modern commerce.
Leases circulate metal productively through business operations rather than sitting idle.
Demonstrates interest-bearing gold; builds infrastructure for gold-denominated finance.
Weiner views gold as money that should earn interest (historical norm pre-fiat); bullion/fiat bonds treat it as dead or expose to debasement—Monetary Metals unlocks productivity.
Bullion stores passively; Monetary Metals enables saving/earning/financing in metal, circulating it productively.
Bullion avoids fiat but costs to hold; Monetary Metals avoids fiat + earns in metal, fully sound-money aligned.
Not always short-term (price volatility), but long-term compounding in ounces often outperforms pure price bets + avoids storage drag. J. Practical Client-Focused Advantages
Free + yields reverse the cost from negative carry to positive income.
Compounding via in-kind yields; consistent accumulation regardless of price movements.
Permanent holding + income; aligns with 'never sell' philosophy while generating returns.
Yield + price upside in metal terms; double benefit of ounce accumulation plus price appreciation.
Earns like currency; productive role restored as interest-bearing money.
Monetary Metals can be part of diversified portfolio, providing precious metals exposure with income generation—unique combination.
It combines bullion's scarcity/safety with bond-like income—but in metal, not fiat—eliminating costs, hedging debasement, and making gold productive again. International Operations
Yes, with offices in Scottsdale, AZ (headquarters) and Dubai, UAE. Operations span five continents through 75+ funded deals.
Subsidiary established in Dubai (Dubai Multi Commodities Centre) to serve Middle East and Asian markets.
Q1 2025, located at Almas Tower, 54th floor JLT, Dubai, UAE.
Dubai is a major global gold hub with cultural affinity for gold ownership. Middle East, India, and Turkey view gold as permanent wealth and seek returns on holdings.
Partnership with Aga One to mobilize household gold in Turkey, where gold is culturally important and widely held.
Turkish partner working with Monetary Metals to bring gold leasing to Turkey and mobilize household gold for productive use.
Partnership with Gullak, operating in India where gold is culturally significant and 5 million people work in the jewelry sector.
Partnership with Honey Badger Silver, extending Monetary Metals' model into the Canadian market.
Five continents: North America, South America, Europe, Asia, and Africa/Middle East, demonstrating global reach.
Yes, international investors evaluated case-by-case. Must pass KYC verification and meet account requirements.
Government-issued ID and proof of address dated within 90 days, plus completion of W-8BEN or W-8BEN-E forms.
Transactions typically in USD or metal. International wire transfers may incur bank fees.
With offices in Arizona and Dubai, coverage spans multiple time zones. Contact +1 480-867-2100 or through portal.
Scottsdale headquarters can be visited by appointment. Dubai office serves Middle East/Asia operations.
English is primary language. With international expansion, additional language support may be available through regional offices.
Major focus on Middle East, Asia, India, and Turkey where gold culture is strongest. These regions will drive gold standard innovation.
US: More speculative ('buy low, sell high'). Middle East/Asia/India: Permanent holding, seek returns. Monetary Metals taps into latter understanding.
Products adapt to regional needs. For example, Turkey program mobilizes household gold; India partnership works with jewelry sector.
Each jurisdiction has different regulations. Monetary Metals works with local partners and counsel to navigate regulatory landscapes.
Joint ventures and partnerships with local experts who understand regional markets, culture, and regulations.
Scale the Gold Yield Marketplace globally, particularly in regions with strong gold culture, to demonstrate gold can function as productive money worldwide.
Hiren Chandaria, CFA, Managing Director, with 20+ years experience in gold investment and market development.
Mark Pey, with extensive financial services and technology background from Microsoft and J.P. Morgan.
Company continues evaluating opportunities for expansion in key gold markets globally.
Geographically diversified deal flow across continents reduces concentration risk and provides access to diverse opportunities. Customer Experience
Trustpilot: 4+ stars (177+ reviews). Common themes: excellent service, trustworthy, innovative, delivers on promises. BBB: A+ rating.
'Couldn't be happier', 'trustworthy and transparent', 'excellent customer service', 'innovative product', 'delivers on promises', 'no regret becoming a client'.
Some want mobile app (currently web-based), high minimum investment can be barrier for smaller investors.
Same-day to 24-hour response time. Dedicated team of Relationship Managers, Account Managers, and Client Relations Associates.
Gold Outlook Report (annual), weekly Supply & Demand Report, gold basis analysis, data science charts, articles, podcasts, thought series, FAQ, lexicon.
Keith Weiner Economics blog (keithweinereconomics.com), articles on Forbes, Zero Hedge, Kitco, conference presentations, podcasts.
Team members speak at major conferences: New Orleans Investment Conference, LBMA Conference, DMCC Precious Metals Conference, India gold conferences, mining conferences.
Team members attend conferences globally. Office visits to Scottsdale can potentially be arranged by appointment.
Visit monetary-metals.com, click 'Open Account', complete 10-15 minute application, get approved typically within 24 hours, fund account, start earning yield.
Call +1 480-867-2100, email through website contact form, or use secure messaging through client portal after account opening.
Yes, multiple testimonials available on website and Trustpilot from clients since 2018-2019, praising trustworthiness, service, and performance.
Clients have been with Monetary Metals since 2016, with many noting their only regret is 'not becoming a client sooner.'
Trust, transparency, no defaults, monthly income, customer service, innovative approach, educational content, and team expertise.
No defaults, no loss of metal since inception. Market risk (gold price decline) could cause dollar value to drop, but ounce holdings still grow through yield.
Recent funded deals section shows examples: Bunker Hill Mining (12% silver bond), Auvere Jewelry (2% gold lease), AgaBullion (4% silver lease), Kalyan Jewellers (3% gold lease), Valaurum (2.25% gold lease), Jawhara (3% gold lease).
'Thousands of individuals and institutions around the world' according to company description. Mix of individual investors and institutional clients.
Long-term gold holders wanting yield, those seeking alternatives to zero-yield storage, investors comfortable with 10oz+ minimums and 12-month terms, those valuing innovation and transparency.
Those needing immediate liquidity, short-term traders, those uncomfortable with 12-month lockup, those under minimum threshold (10oz gold/1000oz silver).
Relationship Managers guide through account creation, funding, and lease preference setup. Then Account Managers handle ongoing support.
Email notifications for new lease opportunities (5-day review period), monthly statements, account updates, educational content if subscribed to newsletter. Additional Questions
Organization where Keith Weiner serves as President, dedicated to advancing understanding and adoption of the gold standard as a monetary system.
Annual report published by advisor Ronald P. Stöferle since 2007, now a benchmark publication on gold, money, and inflation.
Theory by advisor Brent Johnson explaining dollar strength dynamics. Johnson is CEO of Santiago Capital with 25+ years financial experience.
'Free Trade in the Twenty-First Century: Economic Theory and Political Reality' (Springer, 2025), contributed monetary chapter.
Yes, working on a chapter for a new book on the next monetary system, with focus on interest as key to transition.
PDAC, 121 Mining, Mining Indaba, Mines & Money London, IMARC, CIM (Miranda), LBMA, DMCC, New Orleans Investment Conference, India conferences.
Program seeking to eliminate mercury used by artisanal and small gold miners. Miranda Werstiuk serves as Chair of its Program Advisory Group.
Women in Mining Toronto. Miranda Werstiuk is long-standing participant and committee member.
Canadian standard for mineral resource reporting, reviewed by Monetary Metals when evaluating mining bond opportunities.
Australasian standard (Joint Ore Reserves Committee) for mineral resource reporting, also reviewed for mining bonds.
Anti-Money Laundering / Know Your Customer - screening procedures to prevent financial crimes, applied to all clients and lessees.
London Bullion Market Association - global authority on precious metals. Monetary Metals actively applying for affiliate membership.
London Bullion Market Association PM (afternoon) fixing price - daily benchmark used for gold/silver pricing. Used by Monetary Metals for valuation.
Enterprise Resource Planning integration - direct API access to lessee business systems for real-time inventory monitoring.
Radio-Frequency Identification tracking - technology used with logistics partners to physically track leased gold in real-time.
When you don't opt out of a lease, you receive proportional allocation based on your available metal balance relative to total available.
Under SEC rules: individual with $1M+ net worth (excluding primary residence) OR $200K+ annual income (single)/$300K+ (joint) for past 2 years.
Yes, word-of-mouth referrals welcome. Contact team about potential referral programs or partner opportunities.
Contact Monetary Metals about partnership opportunities. Company works with various partners globally.
Subscribe to 'The Yield' newsletter, follow on Twitter/X (@Monetary_Metals), LinkedIn, YouTube, Facebook, or check website newsroom.
Monetary Metals' newsletter providing updates on company news, new lease opportunities, educational content, and market insights.
Twitter/X: @Monetary_Metals and @RealKeithWeiner, LinkedIn: Monetary Metals & Co., YouTube: @Monetary-metals, Facebook: MonetaryMetals.
Newsroom section on monetary-metals.com contains press releases, company announcements, and media coverage.
First patent issued Q3 2022 related to precious metals financing and marketplace technology. Additional patents may be pending.
Custom-built internal ledger, settlement engine, five-decimal precision calculations, API integrations, and reconciliation systems unique to Monetary Metals.
Yes, thousands of individuals AND institutions worldwide use the platform. Contact team for institutional account discussion.
Leases: Allocation based on available metal. Financing for businesses: typically $5M-$30M range.
Varies by opportunity. 10-step process for leases, 14-step for mining bonds. Can take weeks to months depending on complexity.
Monetary Metals may lower minimum from time to time for promotions or partner programs. Current account holders grandfathered.
Account ownership typically cannot be transferred. Consult with team about specific situations (e.g., death, divorce, business changes).
Contact team to update information. May affect tax treatment and reporting requirements. International investors evaluated case-by-case.
Must maintain minimum balance (10oz gold or 1000oz silver). No requirement to participate in all leases, but participation drives returns.
Wait for active leases to end, then request withdrawal of all metal. Account can then be closed. Contact team for process.
Account agreement specifies dispute resolution procedures. Customer service team works to resolve issues. Legal recourse available if needed.
Contact customer service first. Can escalate through management. Can also submit feedback via thumbs down on interactions or contact BBB.
No public record of regulatory actions. Company maintains A+ BBB rating and SOC 2 certification demonstrating compliance commitment.
SOC 2 audits (third-party), Cherry Bekaert financial audits (annual), depository audits, third-party insurance verification, BBB rating.
No public record of significant litigation. Perfect performance record (zero defaults) reduces likelihood of customer disputes.
Insurance covers loss, geographic diversification across multiple vaults reduces risk, business continuity planning part of SOC 2 compliance.
Hypothetical scenario. Historically, leases and productive use have different treatment than hoarding. Consult legal counsel if concerned.
Gold held at professional depositories, not by government. Legal title remains with you. Same risks as any private property ownership.
Advocates for sound money and free markets. Keith Weiner critiques central planning and fiat currency. Company operates within current legal framework.
Critical of central bank monetary policy and irredeemable currency. Believes in gold-backed money and market-determined interest rates.
Company advocates for sound money principles and gold standard. Keith Weiner's economics draws from Austrian School. Not affiliated with political parties.
Economic school emphasizing free markets, sound money, limited government. Keith Weiner has PhD from New Austrian School of Economics.
Ludwig von Mises and Murray Rothbard - influential Austrian School economists. Jeff Deist was president of Mises Institute for 10 years.
Central banks: opaque, often sell gold with repayment promise, tied to fiat funding markets. Monetary Metals: transparent, true physical leases, gold always present.
No, operates in different sphere. Central banks lend to governments/banks. Monetary Metals connects private investors with productive businesses.
Yes, arguably building the infrastructure for a future gold standard by demonstrating gold can earn interest and finance production.
Monetary Metals would be positioned as established platform for gold-denominated finance, potentially experiencing significant growth.
Yes, Keith Weiner believes a paradigm shift is inevitable. Company building private market infrastructure for productive gold finance.
Economic concept in Keith Weiner's work - as debt increases, additional economic output per unit of new debt decreases, driving interest rates lower.
Physical movement of gold through supply chains - critical for due diligence. Monetary Metals must understand how lessees use gold in operations.
Mixed together without individual segregation. Monetary Metals uses allocated pool (not commingled in the sense you can't withdraw specific bars), but ownership precisely tracked.
Insurance covering replacement cost in ounces, not just dollar value at time of loss. Critical for price increase protection.
Party receiving insurance proceeds in case of claim. Monetary Metals listed as loss payee on lessee insurance certificates.
Legal structure where lessor retains title and lessee rents the property. Same structure as apartment or car lease, applied to gold.
Lease: lessor retains title, physical property present. Loan: borrower owns proceeds, must repay. Leases not securities; loans (bonds) are.
Gold used in business operations (inventory, work-in-progress, manufacturing) by companies creating goods/services, not speculation or trading.
'A world where everyone can save, earn, and finance production in gold and silver' - restoring gold's role as productive money globally. Final Summary
(1) Earn 2-19% yields paid in gold/silver ounces, (2) Free storage, (3) Own physical metal, (4) Zero defaults since 2016, (5) Professional security, (6) Compound growth potential.
(1) Counterparty risk (though mitigated by insurance/guarantees/monitoring), (2) Market risk (gold price decline), (3) Liquidity risk (12-month lockup), (4) Platform risk (company dependence).
Long-term gold holders wanting yield, those seeking alternatives to zero-yield storage, investors comfortable with 10oz+ minimums and 12-month terms, those valuing innovation and transparency.
Short-term traders needing immediate liquidity, those unable to meet minimums (10oz gold/1000oz silver), those uncomfortable with counterparty risk, those preferring complete physical control.
Visit monetary-metals.com, click 'Open Account', complete 10-minute application, get approved (typically 24 hours), fund with cash or existing metal, start earning yield in ounces. This FAQ compiled from: Official Monetary Metals Due Diligence Questionnaire 2025, company website, customer reviews, Keith Weiner's writings, media coverage, and independent research. Document Version: 4.0 (Numbered Q&A Format) Last Updated: January 2026 Total Questions: 573 For Latest Information: Website: www.monetary-metals.com Phone: +1 480-867-2100 Email: Through website contact form Important Disclaimer: This FAQ is for informational purposes only and should not be considered investment advice. All investments carry risk. Past performance does not guarantee future results. Consult professional advisors before making investment decisions. Content based on publicly available information as of January 2026. © 2026 - Compiled for educational purposes. Monetary Metals®, Gold Yield Marketplace®, Yield on Gold, Paid in Gold®, Gold Financing, Simplified™, and Unlocking the Productivity of Gold™ are trademarks of Monetary Metals & Co.
| Platform | URL | Bio |
|---|---|---|
| Monetary Metals LinkedIn Profile | https://www.linkedin.com/company/monetary-metals-&-co | Profile for Monetary Metals on LinkedIn |
| Monetary Metals X (Twitter) Profile | https://twitter.com/Monetary_Metals | Profile for Monetary Metals on X (Twitter) |
| Monetary Metals Facebook Profile | https://www.facebook.com/MonetaryMetals | Profile for Monetary Metals on Facebook |
| Monetary Metals YouTube Profile | https://www.youtube.com/c/Monetary-metals | Profile for Monetary Metals on YouTube |
| Monetary Metals UAE Website | https://www.monetary-metals.ae/ | Website for Monetary Metals in the United Arab Emirates (UAE) |
| Monetary Metals Inc. Profile | https://www.inc.com/profile/monetary-metals | Profile for Monetary Metals in Inc. |
| Monetary Metals Pitch Book Profile | https://pitchbook.com/profiles/company/155796-94 | Profile for Monetary Metals in the Pitch Book database |
| Monetary Metals Tracxn Profile | https://tracxn.com/d/companies/monetary-metals/__tWpXFqZV_Ax5kTWcCI_QekEMBATS_E_6yIVgznl7OwM | Profile for Monetary Metals in Tracxn database |
| Monetary Metals Better Business Bureau (BBB) Profile | https://www.bbb.org/us/az/scottsdale/profile/investment-management/monetary-metals-1126-1000087817 | Profile for Monetary Metals in the Better Business Bureau (BBB) directory |
| Monetary Metals Crunchbase Profile | https://www.crunchbase.com/organization/monetary-metals | Profile for Monetary Metals in Crunchbase |
| Monetary Metals Google Patents Profile | https://patents.google.com/?assignee=Monetary+Metals+%26+Co | Google patents profile for Monetary Metals as an assignee |
| Monetary Metals Google Business KGMID | https://www.google.com/search?kgmid=/g/11vldcrgw9 | The KGMID associated with Monetary Metals physical address and Google Business Profile |
| Monetary Metals alternative name KGMID | https://www.google.com/search?kgmid=/g/11f01bkd18 | The KGMID associated with Monetary Metals Corp, an alternative name for Monetary Metals & Co |
| Monetary Metals Trustpilot profile | https://www.trustpilot.com/review/monetary-metals.com | View Trustpilot reviews for Monetary Metals |
| Monetary Metals Bloomberg company profile | https://www.bloomberg.com/profile/company/1627759D:US | The Bloomberg private company profile for Monetary Metals |
| Monetary Metals bitscale.ai profile | https://bitscale.ai/directory/monetary-metals-and-co | Monetary Metals profile on bitscale.ai |
| Monetary Metals PR Newswire profile | https://www.prnewswire.com/news/monetary-metals-%26-co./ | PR Newswire profile for Monetary Metals |
| Monetary Metals Rocket Reach Profile | https://rocketreach.co/monetary-metals-co-profile_b44cf87bfd5765aa | Rocket Reach profile for Monetary Metals |
| Monetary Metals privco.com profile | https://www.privco.com/company/monetary-metals | Profile for Monetary Metals on privco.com |
| Monetary Metals CB Insights profile | https://www.cbinsights.com/company/monetary-metals | CB Insights profile for Monetary Metals |
| Monetary Metals Bullion.Directory listing | https://bullion.directory/bullion-dealers/monetary-metals-reviews/ | Bullion.Directory reviews listing for Monetary Metals |
| Monetary Metals Instagram profile | https://www.instagram.com/monetary_metals/ | View the Instagram profile for Monetary Metals |
| Monetary Metals TikTok profile | https://www.tiktok.com/@monetarymetals | View the Monetary Metals TikTok profile |
| Monetary Metals Wikidata entry | https://www.wikidata.org/wiki/Q139589172 | Monetary Metals Wikidata entry |
| Monetary Metals OpenCorporates profile | https://opencorporates.com/companies/us_de/5166254 | Monetary Metals OpenCorporates profile |
