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Kinesis
$600M+in gold and silver under management — independently audited

Own gold and silver. Pay with it. Always yours.

Kinesis Money is a global fintech platform that, since 2019, has digitised physical gold (KAU = 1 gram) and silver (KAG = 1 ounce) into digital gold and digital silver — tokens with full legal title, 0% storage fees and a monthly yield from the platform's transaction fees. In vaults across four continents lie 2.4 tons of gold and 116 tons of silver, verified by independent audits.

Save in physical gold and silver, securely stored across 13 vault locations worldwide — Zurich, London, New York, Singapore, Dubai. Pay anywhere with your Kinesis Visa card from your gold and silver account: at every purchase the required share of your holdings is converted into the local currency, whether that's euros, dollars or another currency. Every month, yield is added to your physical holdings.

You are and remain the legal owner. Audited by Bureau Veritas. Secured by Brink's and Loomis Zurich.

Vincent GijbelsCompiled byVincent Gijbels — Kinesis user since 2019
Open your free account →

No credit card · 2 min

In 3 steps

  1. 1.Open an account — register with your email
  2. 2.Deposit via iDEAL, Apple Pay, Google Pay or SEPA — from €1
  3. 3.Buy gold/silver — automatically in your vault

Kinesis Visa card

Live in the US · NL later
Kinesis Visa card

2% to 10% cashback in physical gold

Pay from your gold or silver balance. 2% back on every purchase (max $40 cashback per month), up to 10% extra via Metalback — a cashback network of 6,000+ online shops in fashion, electronics and lifestyle. Cashback is always paid out in physical gold.

Works withVisaApple PayGoogle Pay

Read more about the gold Visa card →

Passive income · Holder's Yield

Monthly yield on your gold and silver

Every month Kinesis distributes a share of the transaction-fee pool to holders of KAU (gold) and KAG (silver) — this is one of six yield sources through which a combined 57.5% of all platform fees flows back to users. The distribution is made in physical gold, physical silver, or both — depending on what you hold. Hold only KAU? Then you receive gold. Only KAG? Then silver. Both? Then you draw from both pools, in proportion to your holdings of each metal.

You don't have to do anything: holding is the whole action. The more KAU or KAG you own, the larger your share in that specific pool. The payout lands automatically in your Kinesis account as extra grams of gold or ounces of silver.

Holder's Yield is variable and not guaranteed. Your payout depends on the total trading volume on Kinesis and your share in the gold or silver pool. No interest, no fixed amount.

Trusted by

Bureau VeritasBrink'sLoomis ZurichABX — since 2011

13 vault locations·Bureau Veritas-audited·Brink's & Loomis

0

Vault locations worldwide

Zurich · London · NY · Singapore · Dubai

$0M+

Gold & silver under management

2.4 tons of gold · 116 tons of silver

0%

Storage fee

forever, not temporarily

$0M+

Yields in June 2025

paid out in a single month

※
Kinesis is integrated with government infrastructure — including with the Indonesian state postal company PT Pos and the Jakarta Futures Exchange.
PT Pos · Indonesian state postal company · Jakarta Futures Exchange

Source: kinesis.money/governments (Indonesia case studies).

The Kinesis platform

Seventeen services, one account.

Buy gold, pay in-store, receive yield, send gold and silver worldwide by email, have it physically delivered to your door — all from the same Kinesis account.

I

Buy gold and silver

From one gram (KAU) or one ounce (KAG), at wholesale price, in your name in an audited vault.

II

Visa card with cashback

Pay in stores with your gold. 2% to 10% cashback in physical gold — works with Apple Pay and Google Pay.

III

Send gold and silver by email

To any email address, within seconds, 0.45% fee. Deposit via Banxa with iDEAL, SEPA, PayID, PIX and more.

IV

Have it physically delivered to your door

From 100 grams of gold (200 ounces of silver) via Brink's or Loomis Zurich — insured transport to your doorstep.

View all seventeen services

Trust, verified

Four layers of certainty, independently audited.

Bureau Veritas

Independent audit

A global inspection firm verifies the physical gold and silver bars in every vault.

CIMA-registered

Ref. 1877923

Kinesis Cayman is supervised by the Cayman Islands Monetary Authority.

Allocated bullion

Your legal property

No debt claim — every gram is in your name, serialised in the vault.

Brink's & Loomis

Insured vaults

Cold storage in vaults run by Brink's and Loomis Zurich — insured transport, climate-controlled.

Read our trust report

Or see the honest comparison of Kinesis with Holland Gold and GoldRepublic.

Rewards programme

Refer a friend, receive silver for life.

0.5 oz + 7.5%

silver per referral · plus 7.5% of their fees — for life

With every qualifying referral, both you and the referred person receive half an ounce of physical silver. Plus 7.5% of all that user's future transaction fees — monthly in gold and silver, with no end date.

See how it works

Ready to get started?

Open a free account, deposit with iDEAL or SEPA, and buy your first gram of physical gold from one euro.

Open your free account →
2 minutes
Audited
From €1

No storage fees · legal owner · audited vaults