17 products in one account.

Buy gold and silver

1 gram · 1 ounce

One KAU token represents one gram of physical gold (99.99% purity, LBMA standard); one KAG token one ounce of physical silver (99.9%, LBMA). Both in your name, serialised in the same audited vault. You buy from one gram (KAU) or one ounce (KAG) at wholesale price via Allocated Bullion Exchange (since 2011) — the same market where bullion dealers and banks buy, with no retail mark-up. For smaller amounts you can buy fractionally from one euro.

For anyone who wants a savings pot in precious metal without physical bars at home. Your gold and silver are tradable 24/7, spendable via the Visa card, sendable to any email address, or — from 100 grams of gold (200 ounces of silver) — deliverable to your door via Brink's or Loomis Zurich. Costs: 0.22% on purchase, 0% storage fees, 0% selling spread. No annual fees.

→ Read more: Kinesis vs Holland Gold + GoldRepublic

Welcome bonus in physical silver

0.5 ounce

Open your free account via the referral link of an existing Kinesis user. Once you have made your first trade and, together with your referrer, reached the qualifying trading volume of $17,500, you both receive half an ounce of physical silver (KAG) credited to your balance. Tangible starting capital, directly in your name in the same audited vault as the rest of your gold and silver.

Half an ounce of silver is worth roughly €14 to €15 in early 2026 — no world-shaking sum, but real physical silver in your name. The bonus applies to both the new user and the referrer (not only to influencers). Flat structure, no multi-level, no pyramid. Those who keep referring also earn a share of the Referrer pool in the yield system.

→ Read more: Silver at Kinesis

Physical delivery

From 100 grams

Have your gold or silver delivered to your home via Brink's or Loomis Zurich — the same private vault operators that also transport reserves for central banks. Insured, traceable transport from any of the 13 Kinesis vault locations to your doorstep in the Netherlands. Delivery usually takes a few weeks after ordering. You receive LBMA-certified bars or coins in standard formats, with full ownership documentation and chain-of-custody proof.

For anyone who, after years of saving digitally, wants to literally hold the metal in their hands — or keep part of it at home as an emergency buffer. The alternative: simply leave your gold and silver on the platform and spend it via the Visa card or send it by email. Threshold: 100 grams of gold or 200 ounces of silver. Fee: 0.45% of the value + $100 admin + shipping costs.

→ Read more: Vaults Brink's + Loomis Zurich

Audits, vaults and legal title

13

Your gold and silver are held in Brink's and Loomis Zurich vaults spread across 13 locations worldwide — including Zurich, Vaduz, London, Hong Kong, Dubai, New York, Sydney, Toronto and Panama City. Independently audited twice a year by Bureau Veritas. Holding legal title to serialised metal means, in practice: your name is in the vault register linked to specific bars, and they are not on Kinesis's balance sheet. Should Kinesis ever go bankrupt, a liquidator cannot claim your metal.

For anyone sceptical about counterparty risk — the risk that the counterparty collapses and takes your stake with it. Kinesis never lends out your gold and silver. The vaults are insured under the standard policies of Brink's and Loomis Zurich. Kinesis Cayman is registered with the Cayman Islands Monetary Authority (ref. 1877923) — the Cayman Islands financial regulator that oversees anti-money-laundering compliance and operational requirements.

→ Read more: How safe is your gold?

Kinesis Visa card

2% to 10%

Pay in stores with your gold and silver. At the moment of payment your precious metal is converted into local currency — the merchant simply sees a Visa payment. You get 2% base cashback in physical gold (up to $40 per month) on every purchase worldwide, and up to 10% at 6,000+ affiliated Metalback retailers. Cashback is paid out in physical gold (KAU) — not in points or air miles. So with every coffee, fill-up or grocery receipt you build a gold position that holds its own value.

0% card transaction fees · 0.22% gold-to-euro conversion. Live in the United States since February 2026 (virtual card, beta in 30 countries with a focus on the US and Latin America). International rollout has been announced; a Dutch launch date is not yet confirmed. Works with Apple Pay and Google Pay; a physical card is coming as a backup.

→ Read more: Gold & Silver Visa Card

Works with

Six yield sources, one account

57.5%*

Of all transaction fees on the Kinesis platform, 57.5% flows back to users monthly via six sources: Holder (for those who simply hold gold or silver — automatic, no action required), Velocity (for those who spend via the Visa card or trade on the Exchange), Referrer (for those who bring in new users), Minter (for those who bring their own bars to the Kinesis Mint and create new KAU or KAG), KVT (for holders of the Kinesis Velocity Token — the platform's governance token) and Partner (for those who promote Kinesis as an affiliate).

Monthly payout in physical gold and silver, directly to your balance. Everyone with a Kinesis account is automatically in the Holder source — no sign-up needed. *The sources are variable: your share depends on the total fee pool and the trading volume on the platform. Kinesis cannot commit to specific amounts in advance.

→ Read more: Yields vs a savings account

Kinesis Exchange

0.22%

Trade in gold, silver, eight cryptocurrencies (BTC, ETH, BCH, LTC, DASH, XLM, XDC, XRP), a wide range of fiat currencies (euro, dollar, pound, Aussie dollar, Canadian dollar and more) and the Currency One stablecoin suite — all from one account, one login. The 0.22% fee is fixed: regardless of volume, asset or timing. For context: large crypto exchanges such as Binance and Kraken typically charge 0.1% to 0.5%, rising at low volumes and with separate mark-ups on gold — Kinesis keeps it to a single number.

Currency One USD (C1USD) pays 7.5% APY as an introductory rate (reviewed quarterly by Kinesis). Access to the same institutional prices as bullion dealers and banks via Allocated Bullion Exchange (since 2011). For anyone who wants to hold crypto alongside gold and silver without a second account. No leverage, no futures, no margin — Kinesis is not a trading platform for professionals.

Metalback

up to 10%

Build a gold position with your everyday online purchases. At more than 6,000 international retailers — spread across categories such as fashion, electronics, lifestyle and travel, with names like Apple, Samsung and Levi's — you get up to 10% back in physical gold. It works via the Metalback portal: log in, pick the retailer, click through and shop as usual. The cashback lands automatically in your Kinesis balance, paid out in physical gold (KAU) — not in vouchers or points.

Works alongside the Visa cashback and the yield sources — at a Metalback retailer with the Kinesis card they stack. No extra account, no separate app. Which specific Dutch shops are in the network varies; most major brands operate internationally. For anyone who shops online anyway, this is a way to build a gold position without putting in new capital.

→ Read more: Metalback at 6,000+ retailers

Send gold and silver by email

0.45%

Send gold or silver worldwide to any email address in a few seconds. How it works: log in to your Kinesis account, choose the amount (in gold, silver or a fiat currency such as euro or dollar), enter the recipient's email address, confirm. The recipient receives an invitation link and creates a free Kinesis account to claim it. No intermediaries adding exchange-rate margins, no correspondent banks delaying for days, no hidden margins on the exchange rate.

For anyone supporting family internationally, expats sending money home, or paying friends worldwide. A classic bank transfer via SWIFT often costs €20 to €50 per transaction plus an exchange-rate spread; at Kinesis you pay 0.45% and it reaches the recipient within seconds. Works in multiple fiat currencies (euro, dollar, pound, Aussie dollar, Canadian dollar and more) alongside gold and silver.

Mobile App

iOS + Android

Manage your account on the go: view your balance, buy or send gold or silver, track Visa card transactions and check your yield overview — all from your phone. The app covers everyday use; more complex actions such as minting (creating new KAU or KAG) or advanced Exchange orders are web-only and done in the browser. One account, two screens, the same balance.

For the everyday user who wants to quickly check how things stand or pay by phone at the checkout. Free to download from the App Store (iOS) and Google Play (Android). Integrates with Apple Pay and Google Pay once your Kinesis Visa card is activated. Push notifications keep you informed of monthly yield payouts, transfers received by email and Visa card transactions — so you don't have to keep logging in to check.

Kinesis Pay

0% chargeback

Accept payments in gold (KAU), silver (KAG), Currency One USD (C1USD) or external stablecoins such as USDT and USDC. No intermediary settling a credit-card transaction, no chargeback risk — a payment that comes in stays in. You decide whether to have the amount received converted directly to local currency or hold it in gold or silver in your Kinesis account. Rollout happens in phases from 2026, first for specific markets and sectors.

For small businesses, freelancers, restaurants and online shops that want to bypass the standard credit-card fees. Stripe and Mollie typically charge around 1.4% plus €0.25 per transaction, plus extra costs for international cards and chargebacks. Kinesis Pay has 0% chargeback risk and lower fees. The catch: the network is new, so not every customer knows Kinesis or has an account — for now mainly interesting in niches where the customer base already has some affinity with gold or crypto.

Kinesis Velocity Token (KVT)

300,000

KVT (Kinesis Velocity Token) is a separate ERC-20 token on Ethereum, distinct from KAU and KAG. Anyone who owns KVT receives a share of the entire platform revenue — not only of the transaction-fee pool, but also of operating profit. Limited supply of 300,000 units, never increased. Available on the Kinesis Exchange or secondary markets where KVT is traded. The yield payout is in physical gold, monthly to your balance.

For anyone who wants to support the Kinesis platform over the long term and share in the growth of the ecosystem itself — not just the yield on your own gold and silver. The difference from the regular Holder's Yield: Holder's gives a share of the transaction fees in proportion to your KAU/KAG balance; KVT gives a share of all platform income. The actual price per KVT token fluctuates with the market; check the Exchange for the current rate.

Minting

From 100 grams

Minting is creating new KAU or KAG tokens by bringing in physical gold or silver via the Kinesis Mint — the platform's own processing and issuance facility. In practice: you bring in LBMA bars (from 100 grams of gold or 200 ounces of silver), Kinesis verifies and segregates them in the audited vault, and new tokens are issued in your name. You then become the issuer of that holding — and receive a monthly Minter yield on all the trading that later takes place with it on the platform.

For wealthy individuals and family offices with existing bars — the threshold is significant and intended for those who invest seriously. Exchange Physical for Digital (EPD) is the variant where you move existing bars into the Kinesis vault and convert them there 1:1 to KAU or KAG; functionally comparable to minting, but for metal that already exists rather than freshly cast. Important: Minter's Yield is tied for life to the original minter.

Currency One Stablecoins

8 currencies

Alongside gold and silver, Kinesis offers a suite of eight 1:1-backed stablecoins: USD (C1USD), EUR (C1EUR), GBP, AUD, CAD, CHF, AED and SGD. For euro users, C1EUR is directly relevant — internal conversions between Kinesis balances happen without an exchange-rate spread, which helps with every back-and-forth move between euro and gold or another currency. C1USD pays 7.5% APY as an introductory rate, reviewed quarterly by Kinesis; the other Currency One stablecoins currently pay no APY.

Issuer: Kinesis Money Panama S.A. — a separate legal entity within the Kinesis group, specifically for the stablecoin suite. Reserve attestations (independent confirmations that the fiat backing is genuinely there) are published monthly on currency.one/attestations, so holders can verify that the tokens in circulation are indeed backed by fiat reserves. A Brazilian real stablecoin is in development. For anyone who wants to hold a dollar position alongside gold and silver — for example to park profits temporarily without leaving the platform — C1USD is the simplest route.

→ Read more: Currency One stablecoin suite

International deposits and purchases

Worldwide

Deposit with iDEAL from the Netherlands, SEPA from Europe, or pay directly with a debit/credit card, Apple Pay or Google Pay. Bank transfers are usually free; card payments carry a 1.99% service fee via Banxa — a specialised payment partner that processes fiat deposits via cards and handles the associated KYC and compliance checks. Your gold or silver purchase itself is made at wholesale price via Allocated Bullion Exchange, with no retail mark-up.

For Dutch users, iDEAL is nearly free and usually visible on your balance within minutes; for expats with multiple fiat accounts, local methods are supported outside Europe — PayID (Australia), Interac (Canada), PIX (Brazil), SPEI (Mexico), Khipu (Chile) and more. Net comparison: 1.99% card versus 0% bank on a €1,000 deposit makes a difference of €19.90 — for anyone who can take the time, a bank transfer is usually the cheapest.

ERC-20 KAU & KAG

On Ethereum

Since Q4 2025, KAU and KAG also exist as ERC-20 tokens on Ethereum, issued by KMS Labs — a Kinesis subsidiary. The same 1:1 backing by physical gold and silver in the audited Kinesis vaults, but transferable to any ERC-20 wallet (such as MetaMask) and tradable on external crypto exchanges: BitMart, MEXC and AscendEX are live, Mercado Bitcoin (Brazil's largest exchange) is launching. Especially interesting for anyone already crypto-native who wants to hold gold or silver in their own wallet, trade on a decentralised exchange or use it via DeFi.

Back-and-forth conversion goes via the Kinesis platform: you swap one-to-one between your platform balance and the ERC-20 version. Important nuance: ERC-20 tokens themselves earn no Holder's Yield and have no physical delivery — for that you have to bring them back to the Kinesis platform. Positions Kinesis as the third major tokenised-gold provider alongside Tether Gold (XAUT) and PAX Gold (PAXG), with monthly yield and 0% storage fees as the distinction (XAUT and PAXG do charge custody costs and pay no yield).

Multi-Asset Payroll

Up to 1,000

Businesses can automatically pay out salaries, allowances or bonuses to up to 1,000 recipients at once — in gold (KAU), silver (KAG), Currency One USD (C1USD), USDT, USDC, XDC, XLM, XRP or DASH. Schedules can be set daily, weekly, monthly or yearly. Payouts are configured via the Kinesis dashboard; recipients receive the amount directly in their Kinesis balance and can spend it immediately via the app or the Visa card, or hold it in gold or silver.

For SMEs and international teams the concrete advantage: no FX spreads (the margin banks take on currency conversion), no correspondent-bank costs. With 50 freelancers across 10 countries that can quickly add up to more than €1,000 a month in pure transaction fees. The catch: there is no integration with traditional payroll systems such as NMBRS or Loket — Multi-Asset Payroll is intended for the pure net payout, not for payslips, tracking tax withholdings or social-security contributions. That processing remains a separate step.