GoldMoney Inc. provides a global network for gold that allows customers to buy, store, and spend physical gold bullion through their online platform. Customers can purchase gold for a 1% premium over the spot price and store it in secure vaults operated by Brinks in over 10 locations globally. The company aims to modernize how people access and use gold through innovative technology that connects physical gold to digital accounts and payments. GoldMoney sees an opportunity to establish a new global debit network backed by gold that reduces friction for cross-border payments and commerce compared to national currencies and payment systems.
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Roger Montgomery, founder and chief investment officer at Montgomery Investment Management, shares his views on the factors, drivers and influences that could determine investment returns in 2018.
“Gold should not be viewed as the means to make you rich, but rather, as a means to avoid the debts that can make you poor” -BitGold Inc. May 13, 2015.
"No matter where you live in the world gold has effortlessly held its commodity value over time relative to costs like food and energy that we require as humans, making it one the most important savings tools for most of the human population”.
Our mission is to make gold accessible and useful in digital payments and secure savings.
We're advancing the digital payments revolution by helping people securely acquire, store, and now spend gold with unprecedented simplicity. BitGold accounts are free and can be opened in minutes. We provide users with a secure vault account to purchase and hold gold, the ability to make and receive instant gold payments, and a prepaid card for spending gold at traditional points of sale or converting your gold balance to local currency at any ATM machine. All gold bullion is fully redeemable as 1kg gold bullion bars or 10g GoldCubes®
BitGold takes transparency and accountability seriously. Learn more at Transparency Buying Physical Gold.
A New Global Operating System for Gold BitGold is an internet software service that makes vaulted gold accessible for savings and mobile payments; the first full-reserve ‘online bank’ like platform with e-payments and debit card for sending & spending gold.
BitGold Investor Proposition:
Significant market potential exists across all geographies and all income segments for transaction-accessible savings accounts based on gold as a store of value. GoldMoney believes that it can provide new leadership and innovation in a trillion dollar market by providing a fresh narrative, connecting securely vaulted gold to electronic payment networks that previously did not exist, and by harnessing the connectivity of a growing mobile-internet.
The GoldMoney Proposition is to deliver strong growth in the user and asset base under both brands, building a global network for both savings and transactions. By empowering our clients, and by delivering more value to each individual than we expect to receive in return, we can build a network of lasting relationships in the world's largest commodity-money market. We believe that investing in this relationship can deliver significant value to our shareholders over the long-term, creating a reflexive global-revenue model with a scalable internet financial service, while also benefiting an entire network of stakeholders.
Roy sebag - LAC 2017 - FinTech affiliatesiGB Affiliate
FinTech was the buzzword for 2016 and has experienced undisputed growth internationally. Every country, every region, every culture needs better, more efficient and more affordable options for spending and saving. And now, financial trading is starting to collide with the growing industry of FinTech. With innovative and disruptive solutions crossing over, how can we expect new financial technologies to impact the industry?
Quality offerings which don’t discriminate and offer true value must be the pillar in which the technology is built around. To demonstrate how this can be achieved, Roy Sebag, CEO of one of the fastest growing FinTech companies Goldmoney discusses how affiliates can apply the same practices to their own financial businesses and what opportunities lay ahead.
What can we expect from the role of FinTech in the future?
How can the core aspects of FinTech and gold offer opportunities for affiliates?
How will FinTech and gold shape the financial industry in the future?
Goldmoney: the global network for gold. August 2016 updateNigel Mark Dias
You can make gold your money
goo.gl/zRlD8h
What is Goldmoney?
• World’s largest 100% reserved gold savings & payments network
• Democratizes access to gold savings & instant gold transfers (anyone can earn gold for their productivity)
• Helps under banked & under served citizens protect their purchasing power
• Building global client relationships by unlocking network utility of a global money base
Gold has been a commodity money for 6,000 years due to its natural properties. It’s also the world’s best performing currency… by a wide margin.
As a store of value, gold is more stable and less volatile than most people recognize – especially when measured against the world’s vast sea of 196 individual government issued currencies.
“
Devoid of modern savings and settlement innovation, gold as money hasn’t been easy or practical for centuries. Until Now…
Introducing Goldmoney
Using technology to make gold easily accessible through a modern global network, making it the best way to save, spend, or earn gold, anywhere in the world.
Goldmoney: the global network for gold.
August 2016 update
The gold standard for the 21st century
http://goo.gl/zRlD8h
“Gold should not be viewed as the means to make you rich, but rather, as a means to avoid the debts that can make you poor” -BitGold Inc. May 13, 2015.
"No matter where you live in the world gold has effortlessly held its commodity value over time relative to costs like food and energy that we require as humans, making it one the most important savings tools for most of the human population”.
Our mission is to make gold accessible and useful in digital payments and secure savings.
We're advancing the digital payments revolution by helping people securely acquire, store, and now spend gold with unprecedented simplicity. BitGold accounts are free and can be opened in minutes. We provide users with a secure vault account to purchase and hold gold, the ability to make and receive instant gold payments, and a prepaid card for spending gold at traditional points of sale or converting your gold balance to local currency at any ATM machine. All gold bullion is fully redeemable as 1kg gold bullion bars or 10g GoldCubes®
BitGold takes transparency and accountability seriously. Learn more at Transparency Buying Physical Gold.
A New Global Operating System for Gold BitGold is an internet software service that makes vaulted gold accessible for savings and mobile payments; the first full-reserve ‘online bank’ like platform with e-payments and debit card for sending & spending gold.
BitGold Investor Proposition:
Significant market potential exists across all geographies and all income segments for transaction-accessible savings accounts based on gold as a store of value. GoldMoney believes that it can provide new leadership and innovation in a trillion dollar market by providing a fresh narrative, connecting securely vaulted gold to electronic payment networks that previously did not exist, and by harnessing the connectivity of a growing mobile-internet.
The GoldMoney Proposition is to deliver strong growth in the user and asset base under both brands, building a global network for both savings and transactions. By empowering our clients, and by delivering more value to each individual than we expect to receive in return, we can build a network of lasting relationships in the world's largest commodity-money market. We believe that investing in this relationship can deliver significant value to our shareholders over the long-term, creating a reflexive global-revenue model with a scalable internet financial service, while also benefiting an entire network of stakeholders.
Roy sebag - LAC 2017 - FinTech affiliatesiGB Affiliate
FinTech was the buzzword for 2016 and has experienced undisputed growth internationally. Every country, every region, every culture needs better, more efficient and more affordable options for spending and saving. And now, financial trading is starting to collide with the growing industry of FinTech. With innovative and disruptive solutions crossing over, how can we expect new financial technologies to impact the industry?
Quality offerings which don’t discriminate and offer true value must be the pillar in which the technology is built around. To demonstrate how this can be achieved, Roy Sebag, CEO of one of the fastest growing FinTech companies Goldmoney discusses how affiliates can apply the same practices to their own financial businesses and what opportunities lay ahead.
What can we expect from the role of FinTech in the future?
How can the core aspects of FinTech and gold offer opportunities for affiliates?
How will FinTech and gold shape the financial industry in the future?
Goldmoney: the global network for gold. August 2016 updateNigel Mark Dias
You can make gold your money
goo.gl/zRlD8h
What is Goldmoney?
• World’s largest 100% reserved gold savings & payments network
• Democratizes access to gold savings & instant gold transfers (anyone can earn gold for their productivity)
• Helps under banked & under served citizens protect their purchasing power
• Building global client relationships by unlocking network utility of a global money base
Gold has been a commodity money for 6,000 years due to its natural properties. It’s also the world’s best performing currency… by a wide margin.
As a store of value, gold is more stable and less volatile than most people recognize – especially when measured against the world’s vast sea of 196 individual government issued currencies.
“
Devoid of modern savings and settlement innovation, gold as money hasn’t been easy or practical for centuries. Until Now…
Introducing Goldmoney
Using technology to make gold easily accessible through a modern global network, making it the best way to save, spend, or earn gold, anywhere in the world.
Goldmoney: the global network for gold.
August 2016 update
The gold standard for the 21st century
http://goo.gl/zRlD8h
2. GoldMoney Inc.
These Slides contain certain “forward-looking information” within the meaning of applicable Canadian securities laws that are based on expectations, estimates and projections as at the date
of these Slides. The information in these Slides about the future plans and objectives of the Company are forward-looking information. Other forward-looking information includes but is not
limited to information concerning the intentions, plans and future actions of the Company. Any statements that involve discussions with respect to predictions, expectations, beliefs, plans,
projections, objectives, assumptions, future events or performance (often but not always using phrases such as “expects”, or “does not expect”, “is expected”, “anticipates” or “does not
anticipate”, “plans”, “budget”, “scheduled”, “forecasts”, “estimates”, “believes” or “intends” or variations of such words and phrases or stating that certain actions, events or results “may”
or “could”, “would”, “might” or “will” be taken to occur or be achieved) are not statements of historical fact and may be forward-looking information and are intended to identify forward-
looking information.
This forward-looking information is based on reasonable assumptions and estimates of management of the Company at the time it was made, and involves known and unknown risks,
uncertainties and other factors which may cause the actual results, performance or achievements of the Company to be materially different from any future results, performance or
achievements expressed or implied by such forward-looking information. Such factors include, among others: the Corporation’s limited operating history; future capital needs and uncertainty
of additional financing; the competitive nature of the industry; currency exchange risks; the need for the Corporation to manage its planned growth and expansion; the effects of product
development and need for continued technology change; protection of proprietary rights; the effect of government regulation and compliance on the Corporation and the industry; network
security risks; the ability of the Corporation to maintain properly working systems; theft and risk of physical harm to personnel; reliance on key personnel; global economic and financial
market deterioration impeding access to capital or increasing the cost of capital; global economic climate; dilution; and volatile securities markets impacting security pricing unrelated to
operating performance. Although the Company has attempted to identify important factors that could cause actual results to differ materially, there may be other factors that cause results
not to be as anticipated, estimated or intended. There can be no assurance that such statements will prove to be accurate as actual results and future events could differ materially from
those anticipated in such statements. Accordingly, readers should not place undue reliance on forward-looking information. The Company undertakes no obligation to revise or update any
forward-looking information other than as required by law.
No stock exchange, securities commission or other regulatory authority has approved or disapproved the information contained herein. The Slides and the accompanying verbal presentation
are confidential and are being supplied to you solely for your information and may not be reproduced or distributed to any other person or published, in whole or in part, for any other
purpose.
Important Notice
These presentation slides (the “Slides”) do not comprise a prospectus or other form of offering document relating to BitGold Inc. (the “Company”), and do not constitute an offer or invitation
to purchase or subscribe for any securities of the Company or any other company and should not be relied on in connection with a decision to purchase or subscribe for any such securities. The
Slides and the accompanying verbal presentation do not constitute a recommendation regarding any decision to sell or purchase securities of the Company or any other company. Your
attention is drawn to the risk factors set out below.
Caution Regarding Forward-Looking Information
2
3. GoldMoney Inc.
• Why Gold (slide 4)
• How BitGold Works (slide 14)
• BitGold the Business (slide 35)
• GoldMoney Corporate (slide 40)
3
Outline
4. GoldMoney Inc.
• Shopping methods;
• how businesses sell;
• how people move money;
• how people interact with financial institutions;
• the very nature of money itself.
Everything about how commerce works is
being reimagined on a global scale...
6. GoldMoney Inc.
“No matter where you live in the world gold has effortlessly held its
purchasing power over time relative to costs of human essentials like food
and energy, making gold one the most useful and reliable tools for savings”
6
8. GoldMoney Inc.
Central Bank - National (fiat) Currency
Currency by other sovereign currency, debt, gold
Modern Money Evolution 2.0
8
9. GoldMoney Inc.
Digital Currency Ledgers
Heavily leveraged to Credit
Fast, Convenient, but negligible interest on deposits
Enter the Rise Of #FinTech
Modern Money Evolution 3.0
9
10. GoldMoney Inc.
Modern Money Needs Today – The Dominance of Global Citizenship
Societies are Increasingly Global - Global Friends & Family,
Global Travel, More Global Business Transacting
People Need A Better Way to Transact Globally
10
11. GoldMoney Inc.
Money as a Technology: The form factor may change...
Modern money innovation was technology designed to optimize the
facilitation of money movement…
…But for Global Trade - Current national payment, clearing and settlement systems have major bottlenecks.
Inefficient, have long settlement times, high-cost fees / exchange rates and currency volatility.
11
12. GoldMoney Inc.
“Gold is owned in every country and across many income
segments, but with no modern technology innovation,
‘banking’ or payment apps”
Until Now…
12
13. GoldMoney Inc.
The Global Network for Gold.
Modern Day Money Need– A Safe, Trusted Method for Global Commerce.
13
Using modern technology, enabling unprecedented
accessibility, and utility connecting physical Gold
bullion, secured in global vaults to purchase,
store, save, spend and send gold payments.
14. GoldMoney Inc.
BitGold – The Global Network for Gold.
Buy Gold
Within 1% of official
gold price
Spend Gold
At any point of sales with
a GoldMoney PrepaidCard
Store Gold
Over 10 physical
Brinks locations
14
ü Securing Users Purchasing Power
ü Enabling Reliable Tools for Savings
ü Innovating How Global Payments Work
15. GoldMoney Inc.
Global Customers
connect directly via
online or mobile and
get unprecedented
access and pricing of
Gold. Can purchase as
little as 3 cents from
any currency instantly
Legal,
Compliance,
Audit
•Third Party Audit (KPMG)
•AML + Trx monitoring
•Bank grade KYC
•Tax Lot Accounting
Aurum
BitGold’s TechnologyAurum:Digital Ledger IP & TechnologyStack
3. Global Vault Operations - BRINKS
Provide Top Security, Storage,Transportation, Insurance,
Accounting, Redemption from Global locations
1. Proprietary Global Pricing Ledger & Exchange
Consolidated feed from Gold Counterparties quoting real
time Bid/Ask Spreads in each Vault Location 24/7
2. Global Money Payment Processors
Bank, ACH, SEPA, Debit, Visa, MasterCard, Interac,
China Union Pay, Wire (100+ Currencies in)
BitGold’s Network maintains clearchain of integrity,full ownership of Gold forthe
customerwithnewinnovativeutilityon howto use it.
15
16. GoldMoney Inc.
Central Banks
$5.5 Billion
BitCoin Total Market Cap Value
$6.5 Trillion
$70 Billion traded daily
Gold Total Market Cap Value
Bitcoin BitGold
VS.
✓ Gold’s stability over National Currencies
✓ Proprietary Digital Ledger Technology Stack
✓ Closed Loop Global Debit Network
✓ Global Access and Very liquid
✓ Reversibility of transactions
✓ KYC / AML regulation friendly
✓ No counter party risk
✓ Buyer / Seller protections
✓ Real insured physical value of goods
✓ Reliable Systems
✓ User Protections
✓ Regulations, AML, KYC
• Global Currency FX Friction
• Counter Party Risk
(money leveraged - credit)
• Country specific networks
• Inflation / Currency Risk
✓ Digital Ledger (Decentralized)
✓ Global Currency
✓ Developer Friendly
• No regulation
• No protections
• No reversibility of transactions
• No physical underlying asset
VS.
16
BitGold delivers a modern, secure, integrated global debit network, backed by Gold.
17. GoldMoney Inc.
“With BitGold, you are not outside of the regulatory system.
But you do move outside of the central banking system, to a platform built as a
gold-based global debit network that reduces friction in global payments.
Digital Gold currency is better than national currency (fiat) for
global internet commerce.”
17
18. GoldMoney Inc.
BitGold’s 3 Tier Strategyfor Growth & Innovation.
01
Establish the Network: Our First Priority
Reinvent the Gold Buy / Sell Process
Enable Gold Savings accounts & deposit base ecosystem
Introduce Gold Payments
Pre-Paid Card global purchases
New Innovative P2P Value transfers
Enable Business Network
Introduce BitGold Global Business Payments
Distributed API Gold Rail into ecomm, invoice, & payroll platforms
02
03
18
19. GoldMoney Inc.
GoldMoneyInc.
1• Modernize Gold Buy / Sell process
• Democratize Gold Savings
• Build a Global Gold Ecosystem
EXECUTION
Top Priority: Establishing the Network
20. GoldMoney Inc.
“We’ve cracked the code to simplify global commerce and enabled
how global savings and payments can work. Essentially the best of
the old and the best of the new, Using the worlds oldest asset class,
and best performing currency, built together using today’s most
advanced security and mobile + cloud connectivity to create a safe,
efficient closed loop Global Debit Network, built on top of Gold.”
20
21. GoldMoney Inc.
The Friction & Challengethat exists in Buying Gold today.
IETF
Initial purchase fee(0.66%+)
Costly for average Investor Storage,
Insurance & Transportation
MER fees (0.5%)
Long Settlement 5-7 days Delayed
period to ownership
Not easily transferable Premium to Spot price
No payment system No payment system
Generally no ownership of underlying
metal
Liquid
Inefficient, Expensive, and no payment system or utility
Gold
Unprecedented pricing
(1% of spot price)
Free Storage with Brinks
Insurance Costs Covered
Buy / Sell in over 100+ currencies
Purchase as little as 3 cents, recurring
deposits
Redeemable in physical gold
Full payments capabilities
( send / request payments in Gold)
Fast, Safe, Easy, Cost Effective
21
22. GoldMoney Inc.
How BitGold Works – Simply Powerful.
1. Purchase Gold from Funding
source of Choice for 1% of Spot price
2. Select Currency of
choice in any amount
3. Select Vault location for your
Gold. Securely operated by Brinks
Fast, Safe, Trusted way to Buy Gold Bullion
22
23. GoldMoney Inc.
Bank Wire PrePaid Card Physical Gold
How BitGold Works – Simply Powerful.
EasilySell your Gold for 1% of Spot Price
- Back to your Banks currency
- GoldMoney Prepaid MasterCard
- Arrange for physical delivery of your Gold
23
24. GoldMoney Inc.
Enabling Online Savings Plans in Gold.
Protect your savings by growing ownership of a
permanent asset and do so at your pace.
Use recurring transfers from your bank account to
conveniently build a savings account in Gold.
Daily, Weekly, Monthly….automatic transfers from
your bank account. Gold that Grows.
24
26. GoldMoney Inc.
Driving Ubiquity, Utility and Accessibility of Gold for Payments.
Spend your Gold Balance where MasterCard is accepted
26
27. GoldMoney Inc.
P2P Money Transfers: $600B market, growing 19%. Slow, Expensive, Inefficient
Average Transfer = $200
Average Cost to send = 7.6%
Fees generated by Banks = $30B
Source: World Bank
27
28. GoldMoney Inc.
Is BitGold the Best Alternative to a Money Transfer?
Global P2P Gold Transfers
1. Sender buys Gold or uses existing BitGold balance.
2. Ownership of Gold title is sent from sender to receiver on BitGold.com
3. Receiver can keep Gold balance, or sell Gold to their local currency bank for
only 1%
Welcome to Money
without Borders
28
29. GoldMoney Inc.
GoldMoneyInc.
3• Introduce BitGold Business Accounts
• Invoice, eCommerce, PayRoll Payments
• Distributed API Gold Rail
• Launching Q1 2016
EXECUTION
Enable BusinessNetwork
31. GoldMoney Inc.
Is BitGold the Best Alternative to a Money Transfer?Global Payments made easy using Gold.
BitGold takes the foreign out of exchange.
• Simple, Fair, global pricing
• Flat 1% processing
• Powerful Invoicing Platform
• Online eCommerce Checkout
• Get paid for your labour and
goods in Gold.
• Store your Gold for Free, or
instantly redeem to your
currency for 1%
31
32. GoldMoney Inc.
Rail
{ }Developer APIs
Distributed Gold Payment Rail
✓Pay Outs / PayRoll
✓Global Donations
✓Mobile Wallet Integrations
✓Invoicing Integration
✓Shopping Cart Integration
✓Marketplaces
✓Cloud Based Point of Sale Systems
BitGold – The Global Network for Gold..
32
34. GoldMoney Inc.
It's Your Gold
Every gram of gold in your account is your property: fully
reserved, allocated, and redeemable under Bailment Law.
Unprecedented Pricing
Own physical gold at within 1% of the official gold price
Multiple Deposit Options
Bank Transfers, Credit and Debit Cards, China UnionPay
Tax Tools
We provide a tax tool for end of year accounting in local
currency for any gains from sale of gold
Storage Fees on Us
Free storage at private vaults secured by Brinks
Fully Insured
100% insurance coverage on your gold value
Removing Friction to access the world best performing currency
True Gold Ownership + Utility of Savings and Payments
34
35. GoldMoney Inc.
BitGold Customers already own more than half a Tonne of Gold.
35
33,014
62,629
168,002
242,264
323,034
427,238
517,086
580,814
671,823
0
150,000
300,000
450,000
600,000
MAY JUN JUL AUG SEP OCT NOV DEC JAN
Rapid Sign Ups at a
low acquisition cost
Widely distributed
global adoption
High converting user
sign ups to depositors
BitGold User Sign Ups…strong growth, and signs of virality.
40. GoldMoney Inc.
63.9mm shares O/S following completion of February 2016 financing
• 7mm warrants & options (3.9mm warrants forceable at C$1.35 strike)
• Founders own and control over 20mm shares
• Other early investors include the Soros Family and Eric Sprott
• $31.9mm in bought deal financing in February 2016, backed by Albert Friedberg
• Completed $59.4mm acquisition (11.1mm shares issued) of GoldMoney in July 2015
• ~$55 million in cash & liquid assets (~$5 million additional post warrant exercise)
• No material liabilities, obligations or encumbrance
GoldMoney Inc. Capital Structure & Financings.
40
GoldMoney Inc. (TSX-V:XAU) (“GoldMoney”), is a global
full-reserve and gold-focused financial services business
• Launched May 4th
, went Public May 14th, On July 20, 2015 BitGold
Inc. completed C$59.4MM acquisition of GoldMoney Network Limited
• Following the amalgamation, the company's parent name was
changed from BitGold Inc. to GoldMoney Inc.
• Operate 2 separate services. GoldMoney.com and BitGold.com
GoldMoney Inc. is a mission-driven Canadian Corporation.
delivering full-reserve financial services powered by our
innovative real-time gold settlement technology. We are an
innovative thought-leading Fintech company with a global
market. We operate within regulatory guidelines and employ
best practices. With our global financial partners, we are
building a solid foundation for future growth.
The Numbers
The Mission
41. GoldMoney Inc.
GoldMoney Inc. - Multi-Disciplinary Team
Josh Crumb
Founder & Chief Strategy Officer
Former Sr. Metals Strategist
at Goldman Sachs
Alessandro Premoli
Chief Technology Officer
Decade+ experience in encryption,
cryptography, digital signatures
Roy Sebag
Founder & CEO of GoldMoney Inc.
Former Portfolio Manager
Long/Short Equity, Essential Equity
The GoldMoney teams builds on decades of experience in financial services, investment management, e-commerce & payments,
software engineering, UX/UI design, cryptography, digital security, compliance, commodity market trading & macroeconomics
Darrell MacMullin
CEO - BitGold
Former Head of PayPal Canada,
eBay, FinTech Advisor
Katie Sokalsky
Chief Financial Officer
Former auditor with PWC,
financial services expertise
41
42. GoldMoney Inc.
The World’s Most Trusted Precious Metal Custodian
Through GoldMoney®
the company offers precious metals
custody, trading and execution, wealth management and
research to individual investors and institutions.
• GoldMoney Insights Research Platformlaunched
• GoldMoney Wealth Services founded
• GoldMoney Precious Metal Cards launched in Beta
43. GoldMoney Inc.
The World’s Most Trusted Precious Metal Custodian
43
The Global Network for Gold.
Focus Matters
ü Digital Ledger Technology Stack
ü Self Directed Gold Savings
ü Prepaid MasterCard for everyday spending
ü Global Digital P2P Gold transfers
ü Business Payments (Invoice, Checkout, PayRoll)
ü Developer APIs
Ø Protecting Wealth for over 15 years
Ø Hold Gold, Silver, Platinum Palladium, Currencies
Ø Multiple custody / vaulting options
Ø Dedicated Account Manager services
Ø Commodities Research platform ”GoldMoney Insights”
Ø Wealth Management Services
Ø Precious Metal Cards (Gold / Silver cards)
46. GoldMoney Inc.
✓ A Good-Margin multi billion dollar opportunity
✓ Clear market leader in a defensible space
✓ Global Framework to address a Global opportunity
✓ Strong team & execution with less than $10M spent
✓ Technology Competitive advantages in platform, pricing
✓ Wealth Services + Direct Service Model
✓ Efficient customer acquisition
✓ High operating leverage
Rapid User and
transaction growth
Exponential transaction utility
GoldMoney + BitGold = Unparalleled Fintech Business offering.
46
Establishing a viral
network