This document provides an overview of Goldmoney Inc. and its gold-based savings and payments platform. Some key points:
- Goldmoney operates a digital platform that allows users to purchase, save, transact, and transfer physical gold located in secure international vaults.
- Users can buy and redeem gold with major currencies and payment methods like credit cards and cryptocurrency. The physical gold is fully allocated to users and insured.
- The platform aims to make gold accessible as a store of value and means of payment, allowing global citizens to safeguard their wealth against currency volatility.
- Gold has been used as a form of money for thousands of years due to its natural scarcity and durability as
Goldmoney Inc. Annual General Meeting Presentation 2016Goldmoney Inc.
The document summarizes Goldmoney Inc.'s annual general meeting on September 29, 2016. It discusses Goldmoney's business performance to date, achieving revenue targets. It notes the continued economic and currency volatility presents an opportunity for Goldmoney. Six strategic priorities for 2017 are identified to accelerate Goldmoney's network effect, including becoming the world's gold savings and payments network. The vision is for a personal gold standard that makes money work better for everyone.
The document discusses Goldmoney, a company that aims to make gold easily accessible through a modern global payments network. It summarizes Goldmoney's services, which allow users to save in gold, make payments to others globally using gold, and redeem gold balances for cash. The company has over 1.1 million users globally and processes transactions in over 100 currencies. It aims to modernize how gold can be used as a store of value and means of payment worldwide.
The document discusses Goldmoney Inc.'s acquisition of Schiff Gold and the formation of a consulting agreement with renowned gold investor Peter Schiff. Some key points:
- Goldmoney acquires Schiff Gold for $5.3 million in shares and warrants, adding $125 million in precious metals sales and a US presence.
- Peter Schiff will provide strategic consulting to Goldmoney under a 20-year agreement where he receives 50% of Schiff Gold's profits.
- The acquisition is expected to close by the end of August pending approvals. It will boost Goldmoney's financials, customer base, and physical delivery capabilities.
The document discusses the evolution of Goldmoney from operating two distinct businesses - self-directed gold savings and digital ledger technology - to a unified brand focused on democratizing access to gold savings and building a global gold-based payments network. It outlines Goldmoney's financial growth, with revenue and gross profit increasing quarter-over-quarter. The document then discusses the benefits of gold as "money without borders" and how Goldmoney is using technology to make gold easily accessible and usable for savings and spending through a modern global network.
Goldmoney is a global payments and savings network that allows users to save, spend, and send gold digitally. It aims to make gold easily accessible and useful through its platform and mobile app. Key features include the ability to buy and sell gold at close to spot prices, send gold payments globally, and use a prepaid Mastercard to spend gold. Goldmoney sees itself innovating modern money by building on gold's historical role as money and allowing it to be used like a currency through its network and technology platform. It has over 33,000 users and growing transaction volume, aiming to continue expanding accessibility and utility of gold over time through further innovation.
This document provides an overview of GoldMoney Inc., a company that operates a digital platform connecting users to physical gold reserves globally. Key points:
- GoldMoney allows users to buy, store, save, spend, and send gold instantly through its platform, removing friction from traditional gold ownership.
- The company operates vaults around the world and uses proprietary technology to provide near real-time gold settlement and payments capabilities.
- Recent metrics show strong growth in user base, gold deposits on the platform, and transaction volumes, demonstrating increasing adoption of GoldMoney's digital gold services.
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
Goldmoney Inc. Annual General Meeting Presentation 2016Goldmoney Inc.
The document summarizes Goldmoney Inc.'s annual general meeting on September 29, 2016. It discusses Goldmoney's business performance to date, achieving revenue targets. It notes the continued economic and currency volatility presents an opportunity for Goldmoney. Six strategic priorities for 2017 are identified to accelerate Goldmoney's network effect, including becoming the world's gold savings and payments network. The vision is for a personal gold standard that makes money work better for everyone.
The document discusses Goldmoney, a company that aims to make gold easily accessible through a modern global payments network. It summarizes Goldmoney's services, which allow users to save in gold, make payments to others globally using gold, and redeem gold balances for cash. The company has over 1.1 million users globally and processes transactions in over 100 currencies. It aims to modernize how gold can be used as a store of value and means of payment worldwide.
The document discusses Goldmoney Inc.'s acquisition of Schiff Gold and the formation of a consulting agreement with renowned gold investor Peter Schiff. Some key points:
- Goldmoney acquires Schiff Gold for $5.3 million in shares and warrants, adding $125 million in precious metals sales and a US presence.
- Peter Schiff will provide strategic consulting to Goldmoney under a 20-year agreement where he receives 50% of Schiff Gold's profits.
- The acquisition is expected to close by the end of August pending approvals. It will boost Goldmoney's financials, customer base, and physical delivery capabilities.
The document discusses the evolution of Goldmoney from operating two distinct businesses - self-directed gold savings and digital ledger technology - to a unified brand focused on democratizing access to gold savings and building a global gold-based payments network. It outlines Goldmoney's financial growth, with revenue and gross profit increasing quarter-over-quarter. The document then discusses the benefits of gold as "money without borders" and how Goldmoney is using technology to make gold easily accessible and usable for savings and spending through a modern global network.
Goldmoney is a global payments and savings network that allows users to save, spend, and send gold digitally. It aims to make gold easily accessible and useful through its platform and mobile app. Key features include the ability to buy and sell gold at close to spot prices, send gold payments globally, and use a prepaid Mastercard to spend gold. Goldmoney sees itself innovating modern money by building on gold's historical role as money and allowing it to be used like a currency through its network and technology platform. It has over 33,000 users and growing transaction volume, aiming to continue expanding accessibility and utility of gold over time through further innovation.
This document provides an overview of GoldMoney Inc., a company that operates a digital platform connecting users to physical gold reserves globally. Key points:
- GoldMoney allows users to buy, store, save, spend, and send gold instantly through its platform, removing friction from traditional gold ownership.
- The company operates vaults around the world and uses proprietary technology to provide near real-time gold settlement and payments capabilities.
- Recent metrics show strong growth in user base, gold deposits on the platform, and transaction volumes, demonstrating increasing adoption of GoldMoney's digital gold services.
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
Goldmoney reported its financial results for Q2 2017 with an investor update. Key highlights included:
- Revenue increased 25% over Q1 2017 to $140.4 million due to accelerated organic adoption.
- Fees on the Goldmoney Network were reduced by 50% to 0.5% to make it the least expensive route to physical gold.
- Over 1.28 million clients were located in close to 170 countries with $1.9 billion in client assets as of September 30, 2016.
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 Investor Presentation August 2019Goldmoney Inc.
This document is an investor presentation for Goldmoney Inc. It discusses Goldmoney's mission to build a safe financial service harnessing financial technology and making precious metals savings accessible. It outlines Goldmoney's subsidiaries and investments including Schiff Gold, Lend & Borrow Trust, and Menē jewelry. It describes Goldmoney's return on metal weight business model, whereby it aims to grow its gold holdings per share over time. It provides updates on new Goldmoney platform features like active trading and physical redemption capabilities. Finally, it summarizes Menē jewelry's mission to restore the link between jewelry and savings by selling transparently by gold weight.
Goldmoney Investor Presentation August 2019Goldmoney Inc.
This document provides an overview and update on Goldmoney Inc., which operates as a precious metals custodian and financial services company. It discusses Goldmoney's subsidiaries, including Schiff Gold and Lend & Borrow Trust, and investment in Menē jewelry. Goldmoney's business model aims to grow its tangible capital in gold grams per share over time through a "return on metal weight" approach. The document also summarizes new trading, payment, and redemption platforms launched by Goldmoney to improve clients' experience.
Goldmoney Investor Relations Presentation June 2019Goldmoney Inc.
The document is an investor presentation from Goldmoney Inc. It provides an overview of Goldmoney's business model and subsidiaries. Some key points:
- Goldmoney is a precious metals custodian that allows customers to buy, sell, transfer, and spend gold and other precious metals through an online account.
- It has over $1.8 billion in assets under custody from customers in 150 countries.
- Goldmoney aims to grow its tangible capital in gold grams per share over time through a "return on metal weight" business model.
- It has subsidiaries like Schiff Gold and has investments in companies like Menē jewelry that help expand its precious metals activities and services.
The document provides an update on the Young-Davidson Mine from Tom Wadey, the Project Manager. It discusses the mine's history of over 1 million ounces of past production. It summarizes the open pit and underground mining operations and provides production targets for 2013 of 120,000-140,000 ounces of gold at a cash cost of $575-$675 per ounce. It also outlines the capital investment plan for 2013 including expanding underground infrastructure and commissioning a new paste fill plant.
The document provides an update on the Young-Davidson Mine from Luc Guimond, General Manager. It discusses progress made in the second quarter of 2013, including completion of the second leg of the production shaft reaming and milestones for commissioning the mid-shaft loading pocket and crushers. Production and cost estimates for 2013 are provided, with gold production expected between 120,000-140,000 ounces at cash costs of $575-$675 per ounce and total capital investment of $135-150 million.
Exploration and drill program expected in Q4. Advanced stage zinc asset in safe jurisdiction; Prior producer during WWII. Prior work completed by Boliden/Imperial/Barrick. Resource is roughly 10% zinc equivalent (6% zinc plus significant credits for copper, gold and silver). Key advisor is Lutz Klingmann, Golden Queen's former CEO, who permitted and achieved commercial production of the Soledad project (California) in 2016. Excellent local infrastruture
- The document provides an overview and update of AuRico Metals Inc., including its high-quality royalty portfolio and the Kemess Underground gold-copper development project.
- The royalty portfolio generates cash flow with minimal operational risk and upside from metal prices and success at the underlying mines. Kemess represents a major revaluation opportunity as it has attractive economics and over $500 million in potential value creation.
- AuRico aims to deliver superior shareholder returns through this complementary combination of a producing royalty portfolio and development project, which provides upside potential while minimizing risks.
The document provides a weekly economic update from Finer Wealth Management. It includes summaries of recent US jobs and economic data. The jobs report showed 321,000 jobs added in November, above forecasts. Factory and service sectors remain healthy. Gold prices rose while oil prices fell further. The Dow neared 18,000, up 0.73% on the week, while the Nasdaq declined 0.23%.
- The document provides an overview and update of AuRico Metals Inc. in January 2016, including forward-looking statements and cautionary notes.
- It outlines AuRico's diversified royalty portfolio generating cash flow and its development-stage Kemess gold-copper project in British Columbia.
- Details are given on AuRico's capital structure, management team, and two of its most significant royalty assets - the Young-Davidson mine in Ontario and the Fosterville mine in Australia.
The document provides an update on AuRico Metals Inc. It discusses the company's high-quality royalty portfolio which provides diversified exposure and downside protection. It also discusses the Kemess Underground gold-copper project in British Columbia which requires modest capital to develop. The company sees numerous near-term catalysts from resource updates at Kemess and from its royalty assets. It believes the company offers an attractive risk-reward proposition with upside from Kemess and downside protection from the royalty portfolio.
The Nigerian stock market rebounded after eight consecutive days of declines. Large companies like Guinness and Dangote Cement saw price increases, leading sector indices higher. Trading volume and value increased while the market capitalization gained N11 billion. A cautious investment approach is recommended by focusing on fundamentally strong stocks of interest to many investors. The Central Bank of Nigeria's new restrictions on dollar deposits succeeded in bringing the parallel foreign exchange rate closer to the interbank rate.
EPIC RESEARCH SINGAPORE - Daily SGX Singapore report of 27 March 2015Epic Research Singapore
Epic Research Singapore have best technical research team, Our research team provide Daily report on SGX Singapore and SGX Exchange, You can get Daily Favorable Tips & future Strategy for SGX Stocks Market.
EPIC RESEARCH SINGAPORE - Daily SGX Singapore report of 30 June 2016epicresearchsgmy
The Straits Times Index gained 1.31% to close at 2792.73. Utilities and real estate investment trusts performed strongly, with the FTSE ST Utilities Index rising 2.28% and CapitaMall Trust gaining 3.32%. The banking sector also rose, with DBS up 1.5% and UOB gaining 1.53%. Overall market activity was high, with the three most active stocks being SingTel, DBS, and UOB.
The document discusses the importance for retirees and income investors to understand the difference between yield and return when investing for income. It explains that yield refers to the cash generated from an investment, while return includes changes in the value of the capital. The document cautions that investors need to ensure the income withdrawn from investments is actual cash generated rather than a return of capital, and that liquidity is available when needed. It provides a real estate example to illustrate how yield and return can differ, and stresses the importance of protecting long-term financial well-being.
Goldmoney Inc. Investor Relations Presentation - July 2016 v2 - SchiffGoldGoldmoney Inc.
The document discusses Goldmoney Inc., a company that provides a platform for buying, selling, transferring, and spending gold through a global network. It summarizes Goldmoney's acquisition of Schiff Gold, which adds significant financial strength, customer base, and physical delivery capabilities to the Goldmoney platform. The acquisition involves Goldmoney issuing shares and warrants to acquire Schiff Gold. The document also provides an overview of Goldmoney's services, growth, team experience, and capital structure following recent financings.
GoldMoney Inc. presents a new global network for gold that aims to modernize how people buy, store, save, spend, and send gold. The network uses proprietary digital ledger technology and partnerships with global vault operators like Brinks to allow customers to securely purchase and redeem physical gold bullion stored in vaults worldwide. The goal is to make gold more accessible and useful for savings and payments by reducing friction in buying gold and enabling gold prepaid cards and peer-to-peer transfers. GoldMoney believes this network can reinvent global commerce by building the best aspects of physical gold and new technology into an efficient closed-loop global debit system.
Goldmoney Inc. Hedgeye Conference Presentation Goldmoney Inc.
The document discusses gold as a store of value compared to US dollars over time. It shows that the cost of basic goods has increased much more in US dollars than in grams of gold from 1985 to 2015. It then discusses how the price of gold can be modeled based on real interest rates, energy prices, and central bank policies. Specifically, it explains how energy prices were a main driver of gold's price increase from 2001 to 2008, while real interest rates and quantitative easing drove prices from 2009 to 2012. The model also accounts for falling energy prices and rising real rates decreasing gold prices since 2012. Going forward, it expects real rates to resume their long-term downward trend and energy prices to become more supportive, fueling a
Goldmoney Investor Relations Presentation - August 2016 Goldmoney Inc.
Goldmoney Inc. provides gold-based savings, payments, and wealth services through three account offerings. It aims to democratize access to gold savings and instant gold transfers. Goldmoney sees gold as a stable store of value due to its natural scarcity and immunity to decay. It argues gold's physical properties made it evolve as a monetary standard over 6000 years. Goldmoney uses technology to make gold accessible through a global savings and payments network, removing friction and expanding utility compared to traditional gold ownership methods.
Goldmoney Inc. Investor Relations Presentation - June 2016Goldmoney Inc.
The document discusses Goldmoney, a company that aims to make gold easily usable as money through a modern global payments network. It summarizes Goldmoney's services, which allow users to save in gold, send payments globally, and redeem balances for cash. The company has seen growing adoption, with over 33,000 account signups, $97 million in deposits, and transaction volumes growing faster than deposits as of April 2016. Goldmoney aims to make gold practical as a store of value and means of payment through technological innovation.
Goldmoney Inc. Investor Relations Presentation - July 2016Goldmoney Inc.
The document discusses Goldmoney, a company that aims to make gold easily accessible through a modern global payments network. It summarizes Goldmoney's services, which allow users to save in gold, make payments to others globally using gold, and redeem gold balances for currency. The company has over 1.1 million users from 150 countries and processes transactions in over 100 currencies. It sees the opportunity to modernize how gold can function as a global money and store of value through technological innovation.
Goldmoney reported its financial results for Q2 2017 with an investor update. Key highlights included:
- Revenue increased 25% over Q1 2017 to $140.4 million due to accelerated organic adoption.
- Fees on the Goldmoney Network were reduced by 50% to 0.5% to make it the least expensive route to physical gold.
- Over 1.28 million clients were located in close to 170 countries with $1.9 billion in client assets as of September 30, 2016.
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 Investor Presentation August 2019Goldmoney Inc.
This document is an investor presentation for Goldmoney Inc. It discusses Goldmoney's mission to build a safe financial service harnessing financial technology and making precious metals savings accessible. It outlines Goldmoney's subsidiaries and investments including Schiff Gold, Lend & Borrow Trust, and Menē jewelry. It describes Goldmoney's return on metal weight business model, whereby it aims to grow its gold holdings per share over time. It provides updates on new Goldmoney platform features like active trading and physical redemption capabilities. Finally, it summarizes Menē jewelry's mission to restore the link between jewelry and savings by selling transparently by gold weight.
Goldmoney Investor Presentation August 2019Goldmoney Inc.
This document provides an overview and update on Goldmoney Inc., which operates as a precious metals custodian and financial services company. It discusses Goldmoney's subsidiaries, including Schiff Gold and Lend & Borrow Trust, and investment in Menē jewelry. Goldmoney's business model aims to grow its tangible capital in gold grams per share over time through a "return on metal weight" approach. The document also summarizes new trading, payment, and redemption platforms launched by Goldmoney to improve clients' experience.
Goldmoney Investor Relations Presentation June 2019Goldmoney Inc.
The document is an investor presentation from Goldmoney Inc. It provides an overview of Goldmoney's business model and subsidiaries. Some key points:
- Goldmoney is a precious metals custodian that allows customers to buy, sell, transfer, and spend gold and other precious metals through an online account.
- It has over $1.8 billion in assets under custody from customers in 150 countries.
- Goldmoney aims to grow its tangible capital in gold grams per share over time through a "return on metal weight" business model.
- It has subsidiaries like Schiff Gold and has investments in companies like Menē jewelry that help expand its precious metals activities and services.
The document provides an update on the Young-Davidson Mine from Tom Wadey, the Project Manager. It discusses the mine's history of over 1 million ounces of past production. It summarizes the open pit and underground mining operations and provides production targets for 2013 of 120,000-140,000 ounces of gold at a cash cost of $575-$675 per ounce. It also outlines the capital investment plan for 2013 including expanding underground infrastructure and commissioning a new paste fill plant.
The document provides an update on the Young-Davidson Mine from Luc Guimond, General Manager. It discusses progress made in the second quarter of 2013, including completion of the second leg of the production shaft reaming and milestones for commissioning the mid-shaft loading pocket and crushers. Production and cost estimates for 2013 are provided, with gold production expected between 120,000-140,000 ounces at cash costs of $575-$675 per ounce and total capital investment of $135-150 million.
Exploration and drill program expected in Q4. Advanced stage zinc asset in safe jurisdiction; Prior producer during WWII. Prior work completed by Boliden/Imperial/Barrick. Resource is roughly 10% zinc equivalent (6% zinc plus significant credits for copper, gold and silver). Key advisor is Lutz Klingmann, Golden Queen's former CEO, who permitted and achieved commercial production of the Soledad project (California) in 2016. Excellent local infrastruture
- The document provides an overview and update of AuRico Metals Inc., including its high-quality royalty portfolio and the Kemess Underground gold-copper development project.
- The royalty portfolio generates cash flow with minimal operational risk and upside from metal prices and success at the underlying mines. Kemess represents a major revaluation opportunity as it has attractive economics and over $500 million in potential value creation.
- AuRico aims to deliver superior shareholder returns through this complementary combination of a producing royalty portfolio and development project, which provides upside potential while minimizing risks.
The document provides a weekly economic update from Finer Wealth Management. It includes summaries of recent US jobs and economic data. The jobs report showed 321,000 jobs added in November, above forecasts. Factory and service sectors remain healthy. Gold prices rose while oil prices fell further. The Dow neared 18,000, up 0.73% on the week, while the Nasdaq declined 0.23%.
- The document provides an overview and update of AuRico Metals Inc. in January 2016, including forward-looking statements and cautionary notes.
- It outlines AuRico's diversified royalty portfolio generating cash flow and its development-stage Kemess gold-copper project in British Columbia.
- Details are given on AuRico's capital structure, management team, and two of its most significant royalty assets - the Young-Davidson mine in Ontario and the Fosterville mine in Australia.
The document provides an update on AuRico Metals Inc. It discusses the company's high-quality royalty portfolio which provides diversified exposure and downside protection. It also discusses the Kemess Underground gold-copper project in British Columbia which requires modest capital to develop. The company sees numerous near-term catalysts from resource updates at Kemess and from its royalty assets. It believes the company offers an attractive risk-reward proposition with upside from Kemess and downside protection from the royalty portfolio.
The Nigerian stock market rebounded after eight consecutive days of declines. Large companies like Guinness and Dangote Cement saw price increases, leading sector indices higher. Trading volume and value increased while the market capitalization gained N11 billion. A cautious investment approach is recommended by focusing on fundamentally strong stocks of interest to many investors. The Central Bank of Nigeria's new restrictions on dollar deposits succeeded in bringing the parallel foreign exchange rate closer to the interbank rate.
EPIC RESEARCH SINGAPORE - Daily SGX Singapore report of 27 March 2015Epic Research Singapore
Epic Research Singapore have best technical research team, Our research team provide Daily report on SGX Singapore and SGX Exchange, You can get Daily Favorable Tips & future Strategy for SGX Stocks Market.
EPIC RESEARCH SINGAPORE - Daily SGX Singapore report of 30 June 2016epicresearchsgmy
The Straits Times Index gained 1.31% to close at 2792.73. Utilities and real estate investment trusts performed strongly, with the FTSE ST Utilities Index rising 2.28% and CapitaMall Trust gaining 3.32%. The banking sector also rose, with DBS up 1.5% and UOB gaining 1.53%. Overall market activity was high, with the three most active stocks being SingTel, DBS, and UOB.
The document discusses the importance for retirees and income investors to understand the difference between yield and return when investing for income. It explains that yield refers to the cash generated from an investment, while return includes changes in the value of the capital. The document cautions that investors need to ensure the income withdrawn from investments is actual cash generated rather than a return of capital, and that liquidity is available when needed. It provides a real estate example to illustrate how yield and return can differ, and stresses the importance of protecting long-term financial well-being.
Goldmoney Inc. Investor Relations Presentation - July 2016 v2 - SchiffGoldGoldmoney Inc.
The document discusses Goldmoney Inc., a company that provides a platform for buying, selling, transferring, and spending gold through a global network. It summarizes Goldmoney's acquisition of Schiff Gold, which adds significant financial strength, customer base, and physical delivery capabilities to the Goldmoney platform. The acquisition involves Goldmoney issuing shares and warrants to acquire Schiff Gold. The document also provides an overview of Goldmoney's services, growth, team experience, and capital structure following recent financings.
GoldMoney Inc. presents a new global network for gold that aims to modernize how people buy, store, save, spend, and send gold. The network uses proprietary digital ledger technology and partnerships with global vault operators like Brinks to allow customers to securely purchase and redeem physical gold bullion stored in vaults worldwide. The goal is to make gold more accessible and useful for savings and payments by reducing friction in buying gold and enabling gold prepaid cards and peer-to-peer transfers. GoldMoney believes this network can reinvent global commerce by building the best aspects of physical gold and new technology into an efficient closed-loop global debit system.
Goldmoney Inc. Hedgeye Conference Presentation Goldmoney Inc.
The document discusses gold as a store of value compared to US dollars over time. It shows that the cost of basic goods has increased much more in US dollars than in grams of gold from 1985 to 2015. It then discusses how the price of gold can be modeled based on real interest rates, energy prices, and central bank policies. Specifically, it explains how energy prices were a main driver of gold's price increase from 2001 to 2008, while real interest rates and quantitative easing drove prices from 2009 to 2012. The model also accounts for falling energy prices and rising real rates decreasing gold prices since 2012. Going forward, it expects real rates to resume their long-term downward trend and energy prices to become more supportive, fueling a
Goldmoney Investor Relations Presentation - August 2016 Goldmoney Inc.
Goldmoney Inc. provides gold-based savings, payments, and wealth services through three account offerings. It aims to democratize access to gold savings and instant gold transfers. Goldmoney sees gold as a stable store of value due to its natural scarcity and immunity to decay. It argues gold's physical properties made it evolve as a monetary standard over 6000 years. Goldmoney uses technology to make gold accessible through a global savings and payments network, removing friction and expanding utility compared to traditional gold ownership methods.
Goldmoney Inc. Investor Relations Presentation - June 2016Goldmoney Inc.
The document discusses Goldmoney, a company that aims to make gold easily usable as money through a modern global payments network. It summarizes Goldmoney's services, which allow users to save in gold, send payments globally, and redeem balances for cash. The company has seen growing adoption, with over 33,000 account signups, $97 million in deposits, and transaction volumes growing faster than deposits as of April 2016. Goldmoney aims to make gold practical as a store of value and means of payment through technological innovation.
Goldmoney Inc. Investor Relations Presentation - July 2016Goldmoney Inc.
The document discusses Goldmoney, a company that aims to make gold easily accessible through a modern global payments network. It summarizes Goldmoney's services, which allow users to save in gold, make payments to others globally using gold, and redeem gold balances for currency. The company has over 1.1 million users from 150 countries and processes transactions in over 100 currencies. It sees the opportunity to modernize how gold can function as a global money and store of value through technological innovation.
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Biomass Energy - Renewable Sources of Energy.Antonia Cornejo
Biomass is the oldest source of renewable energy and one of the most plentiful globally. It refers to biological material from living or recently living organisms that can be used as fuel. Biomass contains stored chemical energy from sunlight that plants absorbed, and this energy is released as heat when biomass is burned. Common sources of biomass include forestry and agricultural crops/residues, sewage, waste, and residues from animals and industry. Biomass can be used to generate electricity by burning it to produce steam that powers turbines, or to produce liquid biofuels or bioproducts. While biomass is a cheap and sustainable energy source, its use also faces challenges such as potential deforestation, pollution
Managing Supply Chain of Zara. It defines what a supply chain is and outlines the steps that makes up the chain. It Explain the factors that affect its design and understands the processes of designing and managing the supply chain. It outline the benefits of effectively managing supply chains
Medição com paquímetro e micrômetro (relatório 1)JuhC13
Este relatório apresenta os resultados de medições de diâmetros em 16 peças utilizando paquímetros e micrômetro. Foram obtidas as medidas de sete diâmetros em cada peça e calculadas as médias e desvios padrão. O objetivo foi praticar o uso dos instrumentos de medição.
1) A arte paleocristã desenvolveu-se nas catacumbas de Roma entre os séculos V-XV durante a transição do Império Romano para a Idade Média.
2) Nestas catacumbas, os primeiros cristãos escondiam-se para escapar da perseguição e cultuar secretamente, deixando pinturas e esculturas com temas bíblicos e símbolos cristãos.
3) Com o Édito de Milão em 313, os cristãos ganharam liberdade religiosa e passaram a construir basílicas com
This document provides highlights from Aimia's Q4 2016 results, including forward-looking statements about Aimia's financial metrics and performance in 2017. It also defines and reconciles several non-GAAP financial measures used by Aimia to measure performance, such as adjusted EBITDA and free cash flow, noting that these measures are not comparable to similar measures used by other companies. Finally, it cautions that Aimia's forward-looking statements are based on assumptions that may prove to be incorrect and are subject to various risks and uncertainties.
Aerobic respiration uses oxygen to break down glucose, releasing energy. This occurs in mitochondria and produces significantly more ATP than anaerobic respiration. During intense exercise, the body shifts to anaerobic respiration which takes place in the cytoplasm when oxygen demand outstrips supply. It generates lactic acid and ATP more quickly but to a lesser extent. The human body repays this oxygen debt through deep breathing after exercise to oxidize lactic acid buildup.
O documento descreve o caso de um paciente com endocardite infecciosa da valva aórtica. Apresenta os objetivos, a epidemiologia, classificação, sinais e sintomas, diagnóstico e tratamento da endocardite. Relata o caso clínico de um paciente de 42 anos que foi submetido a cirurgia de troca de valva aórtica e plastia de valva mitral e teve melhora após o tratamento.
Maria lucia-aranha-filosofando-introdução-à-filosofia-(doc-livro)joao paulo
1. O documento apresenta um resumo de um livro introdutório sobre filosofia dividido em unidades temáticas. As unidades abordam tópicos como o homem, o conhecimento, a ciência e a política.
2. As unidades contêm capítulos sobre diversos temas filosóficos como cultura, trabalho, ideologia, mito, razão, ciência grega, método científico e pensamento político grego e medieval.
3. Além dos capítulos, há textos complementares de diferentes filósofos para
Roles Y Funciones Del Psicologo Industrial[1]Lily Astacio
El documento define la psicología industrial/organizacional y discute su historia, campos de trabajo y roles y funciones del psicólogo I/O. Analiza casos éticos como el manejo de emociones en el trabajo y problemas en la investigación y consultoría organizacional. El psicólogo I/O busca mejorar el desempeño y bienestar de los empleados mediante la investigación del comportamiento y las actitudes para incrementar la productividad y efectividad.
María vivía entre dos pueblos, Pueblo Verde y Pueblo Azul, cuyos niños no se llevaban bien. María quería ser amiga de todos pero los niños no la aceptaban por no ser de su color. Tras llorar hasta volverse invisible, María logró que los niños dejaran de pelearse y empezaran a jugar juntos, haciéndose amigos.
Este documento presenta un trabajo acerca del desarrollo de la lectura y la escritura en niños de nivel preescolar desde un enfoque constructivista. El trabajo incluye una introducción, justificación y objetivos generales y específicos. También presenta una evaluación integral que comprende un análisis de los planteamientos de Ferreiro y Teberosky sobre las etapas del aprendizaje de la lecto-escritura, la observación de una clase y cinco actividades propuestas. El trabajo concluye reflexionando sobre la importancia de
Goldmoney Inc. Investor Relations Presentation - August 2016BitGold Inc
Goldmoney Inc. provides a secure global gold savings and payments network that allows users to easily save, spend, and transfer gold digitally. The company has experienced rapid growth, with over 1 million user signups from more than 150 countries since launching in 2015. Goldmoney allows users to purchase and redeem gold at competitive prices, with transactions settled through allocated gold accounts rather than physical delivery. The company sees continued growth opportunities through viral network effects as more users join the platform to make gold-based payments and savings more accessible worldwide.
The document discusses the past, present, and future of Nepal's stock market, NEPSE. It outlines that NEPSE has transitioned from an open-outcry trading system to a semi-automated system and is moving towards fully online trading. Currently, trading still involves some paper-based processes but shares are being dematerialized. The future of NEPSE is poised for online trading which will provide direct access for investors but also increase risks, requiring financial savvy. Adopting new technologies comes with challenges but also opportunities to develop infrastructure and attract global investors.
The document provides instructions for creating a 'write my paper for me' request on the HelpWriting.net website. It outlines a 5-step process: 1) Create an account with a password and email; 2) Complete a 10-minute order form with instructions, sources, and deadline; 3) Writers will bid on the request and the client can choose a writer; 4) The client will receive the paper and can request revisions if needed; 5) HelpWriting.net guarantees original, high-quality content and refunds if the paper is plagiarized. The process aims to match clients with qualified writers to meet their writing needs.
At CoinShares, we believe it's critical to define, analyze, and disseminate data to tell the story of why this industry matters and how it might impact industries, markets, and the broader world.
As investors, we take this one step further and use this data, our insights, and our expertise to identify who, where, and when this change might happen.
This report describes the macro environment, trends, and companies that are driving the space, and provides an outlook for the broader crypto ecosystem.
GoldMoney Inc. presents a new global network for gold that uses modern technology. It allows users to buy gold at near spot prices, store gold in secure vaults worldwide, and spend gold using a prepaid card. The network aims to make gold more accessible and useful for global commerce, savings, and payments. It applies blockchain technology and partnerships with major security companies to securely track gold ownership on a digital ledger. The goal is to establish gold as a reliable currency for global trade outside the traditional banking system.
The document provides an overview of a site visit by analysts to the San Dimas gold-silver mine in Mexico. It discusses health and safety protocols for the tour, including required personal protective equipment. It then gives a brief history of the mine and outlines recent and projected production levels, costs, and capital expenditures. Finally, it discusses the mine's workforce, safety policies and performance, community relations programs, and operational areas including mining methods, processing plant flowsheet, and infrastructure. The purpose is to inform analysts on site operations and provide context around financial guidance for the mine.
This document provides an overview of the historical events surrounding a proposed global currency reset and revaluation of currencies. It claims that in 2015, the Chinese Royal Red Dragon Family settled all sovereign debts through international treaties, allowing 200+ nations to reset their currencies to a common gold standard backed by Chinese gold assets. As part of this process, all fiat currencies will be redeemed and replaced with new gold-backed bills in a transition intended to end economic abuse and private central banking. However, existing media owners who also own central banks have restricted information about this event. The document disclaims any professional advice and states the information is for educational purposes only.
1. Silverton Metals acquired three Mexican silver assets from Silver One Resources to create a premier silver explorer.
2. The assets include Peñasco Quemado in Sonora, La Frazada in Nayarit, and Pluton in Durango, located in historically productive mining jurisdictions in Mexico.
3. Silverton plans to conduct exploration programs including drilling, sampling, and geophysical surveys to evaluate and expand the historical resource estimates at Peñasco Quemado and La Frazada, and assess the potential at Pluton.
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.
Raymond James 8th Annual European Investors North American Equities ConferenceHudbayMinerals
Hudbay Minerals is creating sustainable value through high quality, long life mining deposits. The company focuses on quality deposits that can provide long production lives. Hudbay's strategy is to grow its production of copper, zinc, and precious metals through 2022 by leveraging its expertise in exploration, project development, and operations. Key projects include the Lalor mine in Manitoba, the Reed copper deposit in Manitoba, and the large Constancia copper project in Peru.
Canaccord Genuity Global Resources ConferenceHudbayMinerals
Hudbay Minerals is focused on creating sustainable value through high quality, long life mining deposits. The document discusses Hudbay's strategy of focusing on VMS and porphyry deposits in mining-friendly jurisdictions in the Americas. It provides an overview of Hudbay's key assets including its flagship 777 mine in Manitoba, the Lalor mine also in Manitoba which is set to begin production in 2012, the Reed copper deposit in Manitoba with production starting in late 2013, and the large-scale Constancia copper project in Peru which is currently under construction with initial production expected in late 2014.
Canaccord Genuity Global Resources ConferenceHudbayMinerals
Hudbay Minerals is focused on creating sustainable value through high quality, long life mining deposits. The document discusses Hudbay's strategy of focusing on VMS and porphyry deposits in mining-friendly jurisdictions in the Americas. It provides an overview of Hudbay's key assets including its flagship 777 mine in Manitoba, the Lalor and Reed projects also in Manitoba, and the large-scale Constancia copper project in Peru which is currently under construction.
The document analyzes three polls from different sources to determine if they are biased/unfair or unbiased/fair. It finds that all three polls had some level of bias, either through wording or other factors. The sources of the polls did not necessarily influence their reliability or accuracy. While the sources were generally reliable, the polls themselves still contained biases.
This presentation provides forward-looking information about Constancia, Hudbay's copper project in Peru. It discusses Constancia's estimated capital costs and economics, Hudbay's plans to finalize project financing through streaming and credit agreements, and the construction schedule. It notes the many risks and uncertainties that could cause actual results to differ from expectations, including commodity prices, uncertainties in development and operations, permitting and community relations challenges, and financial market volatility.
This presentation summarizes key information about Guyana Goldfields Inc. It provides a corporate snapshot including share structure and top shareholders. It highlights aspects that distinguish the company such as simple metallurgy, a fully funded and permitted project, robust economics, and potential for growth. Details are given about the mine plan for the Aurora Gold Project including reserves, production levels, costs, and financial projections showing strong economics. The presentation also notes the mining friendly jurisdiction of Guyana.
1. The document provides information about Ascendant Resources, a pure-play zinc producer. It summarizes Ascendant's flagship El Mochito zinc-lead-silver mine in Honduras, which has been in continuous operation since 1948.
2. In 2017, Ascendant transformed El Mochito into a free cash flow generating operation through operational improvements. Production exceeded targets and direct operating costs decreased. Guidance for 2018 is 85-95 million pounds of zinc equivalent production at a cost of $70-80 per ton.
3. A new reserve and resource estimate extended El Mochito's mine life to over 7 years. Proven and probable reserves contain 597 million pounds of zinc and 209 million pounds
Ascendant Resources is a pure-play zinc producer with its flagship El Mochito mine in Honduras. In 2017, production at El Mochito increased 81% over 2016 and the mine became cash flow positive. For 2018, Ascendant is guiding zinc-lead-silver production of 85-95 million pounds and continued cost reductions to below $70 per ton. Ascendant aims to grow organically at El Mochito and through acquisitions of assets like Lagoa Salgada to become the only junior pure-play zinc producer.
Similar to Goldmoney Inc. Investor Relations Presentation - Q2 2017 (20)
The document provides an overview of Goldmoney Inc., a TSX listed company that owns subsidiaries involved in precious metals including bullion sales and storage, coin and bar retail, and jewelry manufacturing and retail. It discusses Goldmoney's financial performance in Q3 2023, with record operating income and earnings per share. Contact information is provided for anyone interested in learning more about investing in Goldmoney.
The document is an investor deck for XAU XAUMF (presumably a precious metals company) that contains the following information:
1. It discusses forward-looking statements and includes cautionary language about uncertainties in projections.
2. It outlines the company's founding mission to build a safe financial service focused on precious metals and establish global client relationships through accessible precious metals-backed savings.
3. It provides an overview of the company's subsidiaries and investments that help demonstrate the commercial viability of a "Goldmoney Economy" and broaden access to physical gold.
Goldmoney Investor Presentation February 2021Goldmoney Inc.
This document contains an investor presentation for Goldmoney Inc. It discusses Goldmoney's mission to build a safe financial service focused on precious metals and its subsidiaries that help broaden access to physical gold. Goldmoney follows a return on metal weight model where its precious metal position grows over time as the business earns metals. Recent financial highlights show increasing revenue, profits, and client assets under custody. The corporate metal position reached a record high.
Goldmoney investor presentation November 2020Goldmoney Inc.
Goldmoney Inc. is a precious metals focused financial services company. It provides online precious metals custody and trading services through its Goldmoney Holding platform. The company reported record quarterly revenue and net income in Q2 2021, driven by strong growth across its business lines including Goldmoney.com, SchiffGold, and its investment in Menē Inc. Goldmoney has a global network of vaults storing over $2.5 billion in client assets and pursues a business model that aims to generate returns through accumulating precious metals over time.
Goldmoney Investor Presentation August 2020Goldmoney Inc.
The document is an investor deck for Goldmoney, a company that provides precious metals custody and trading services. It summarizes Goldmoney's mission to build a safe financial service focused on precious metals and its subsidiaries that help expand access to and use of physical gold and precious metals. Key points include Goldmoney's global vault network that stores over $2.8 billion in client assets, its trading platform and services available through the Goldmoney Holding, and its investment in Menē, a jewelry company that sells gold and platinum by weight.
- Goldmoney Inc. released its fiscal year 2020 investor deck, reporting record annual revenue of $458.9 million, up 64% year-over-year. It also achieved record annual gross profit of $22.3 million, up 96% year-over-year.
- Goldmoney provides precious metals custody services through its online Goldmoney Holding and stores client assets totaling $2.07 billion in vaults around the world. It is pursuing growth through subsidiaries like SchiffGold, Menē jewelry, and Lend & Borrow Trust peer-to-peer lending.
- The company had a strong year of growth across its business lines and is focused on maximizing the potential of its ecosystem
Goldmoney Investor Relations Presentation February 2020Goldmoney Inc.
This document provides an investor presentation for Goldmoney Inc. for Q3 2020. It discusses Goldmoney's financial highlights for the quarter, including revenue increasing 29% year-over-year to $108.1 million, and gross margin improving 58% to $2.5 million. Client assets under custody increased 14% to $2 billion. The presentation also provides an overview of Goldmoney's business lines and subsidiaries, including Schiff Gold and Menē, and discusses the company's growth strategy and positioning in the precious metals market.
Goldmoney Investor Presentation November 2019Goldmoney Inc.
The document is an investor presentation from Goldmoney Inc. summarizing the company's Q2 2020 financial results and business operations. Some key highlights include record quarterly revenue of $127.2 million, gross margin of $2.5 million, and total comprehensive income of $2.7 million. Tangible common equity increased to $133.5 million while client assets under custody grew to $1.9 billion. The company also increased its quarterly dividend by 20% and implemented a gold-linked dividend policy.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive function. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms for those who already suffer from conditions like anxiety and depression.
This document provides a 3 quarter financial update for Goldmoney Inc., a precious metals custodian. It summarizes the company's various business divisions including its core Goldmoney Holding business, SchiffGold coin and bullion dealership, Mene jewelry business, and recent entry into cryptocurrency custody through BlockVault. The summary highlights growing revenue, margins, and assets under custody despite challenges in precious metals markets. It also outlines Goldmoney's strategy of investing in complementary businesses and spinoffs that contribute to its overall return on metal weight business model.
Goldmoney Investor Presentation Year-End 2018Goldmoney Inc.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive function. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms for those who already suffer from conditions like anxiety and depression.
Goldmoney Inc. is a financial technology company that operates a precious metals-based savings and payments platform. It safeguards $1.9 billion in assets for over 150 countries through its Goldmoney Holding, which allows clients to buy, sell, hold, earn, spend, send and redeem precious metals. Goldmoney is launching initiatives to expand into cryptocurrency trading and custody through its new BlockVault Technologies division, and entering the Chinese market through a joint venture with Chinese mining company Zhaojin Mining.
Goldmoney Inc. Investor Relations Presentation - February 2018Goldmoney Inc.
Goldmoney Inc. achieved record quarterly revenue and profit in Q3 2018. Revenue increased 19% over the previous quarter to $150.4 million, due in part to $22.4 million in revenue from the new cryptocurrency business after only 7 weeks of operation. Net income was a quarterly record of $4.1 million. Tangible common equity increased to $109.3 million as of December 31, 2017. Client assets under custody remained stable at $1.76 billion. Significant corporate developments included forming a joint venture in China, launching crypto asset services, and progressing the spin-off of Menē Inc.
Goldmoney Inc. Investor Relations Presentation - December 2017Goldmoney Inc.
- Goldmoney Inc. is a financial technology company that offers online precious metal savings accounts called Goldmoney Holdings.
- Goldmoney safely stores $1.9 billion worth of precious metals for over 150,000 clients in insured vaults around the world.
- In addition to savings accounts, Goldmoney offers payment and transfer services for precious metals, allowing clients to spend from their holdings.
Goldmoney Inc. Investor Relations Presentation - December 2017Goldmoney Inc.
Goldmoney Inc. is a financial technology company that provides precious metal-based savings accounts and payment services. It has over $1.9 billion in assets under custody for clients in over 150 countries. Goldmoney aims to harness financial technology to build the safest financial services and provide accessible precious metals-backed savings globally. The presentation discusses Goldmoney's mission and business model, financial results, strategic investments, and core product - the Goldmoney Holding precious metal account. The Holding allows clients to invest in allocated gold, silver, platinum and palladium stored in insured vaults worldwide.
Goldmoney Inc. Investor Relations Presentation - September 2017 Goldmoney Inc.
- Goldmoney is a financial technology company that provides precious metal-backed savings accounts and payment services to over 1.9 billion in assets for clients in over 150 countries.
- Their mission is to harness financial technology to build the world's safest financial service and make precious metal savings accessible to all through building lasting relationships with global clients.
- As an innovative leader in the niche precious metals market, Goldmoney strives to expand its service offerings and gain asymmetry from rising precious metals prices by earning fees on the assets under custody.
Goldmoney Inc. Investor Relations Presentation - August 2017 Goldmoney Inc.
Goldmoney provides a precious metals-backed savings service through its Goldmoney Holding accounts. The documents discusses Goldmoney's mission to build the world's safest financial service by making precious metals savings accessible through technology. It outlines Goldmoney's history and the development of its product offerings over time, including its expansion into payments and accessibility features. The document also discusses Goldmoney's business model, which aims to grow gold ownership per share over time through its Return on Metal Weight approach.
Goldmoney Inc. Investor Relations Presentation - June 2017 Goldmoney Inc.
1. Goldmoney is a financial technology company that provides precious metals-backed savings accounts and payment services to clients around the world.
2. Their mission is to build the world's safest financial service using fintech and to make precious metals accessible to all through lasting client relationships.
3. They safeguard $1.9 billion in precious metals for over 150 countries, offering metal accounts, payments, and research. Their business model focuses on growing gold ownership per share over time.
ZKsync airdrop of 3.6 billion ZK tokens is scheduled by ZKsync for next week.pdfSOFTTECHHUB
The world of blockchain and decentralized technologies is about to witness a groundbreaking event. ZKsync, the pioneering Ethereum Layer 2 network, has announced the highly anticipated airdrop of its native token, ZK. This move marks a significant milestone in the protocol's journey, empowering the community to take the reins and shape the future of this revolutionary ecosystem.
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Methanex is the world's largest producer and supplier of methanol. We create value through our leadership in the global production, marketing and delivery of methanol to customers. View our latest Investor Presentation for more details.
The E-Way Bill revolutionizes logistics by digitizing the documentation of goods transport, ensuring transparency, tax compliance, and streamlined processes. This mandatory, electronic system reduces delays, enhances accountability, and combats tax evasion, benefiting businesses and authorities alike. Embrace the E-Way Bill for efficient, reliable transportation operations.
MUTUAL FUNDS (ICICI Prudential Mutual Fund) BY JAMES RODRIGUESWilliamRodrigues148
Mutual funds are investment vehicles that pool money from multiple investors to purchase a diversified portfolio of stocks, bonds, or other securities. They are managed by professional portfolio managers or investment companies who make investment decisions on behalf of the fund's investors.
Cleades Robinson, a respected leader in Philadelphia's police force, is known for his diplomatic and tactful approach, fostering a strong community rapport.
Osisko Development - Investor Presentation - June 24
Goldmoney Inc. Investor Relations Presentation - Q2 2017
1. Goldmoney Inc.
S E C ON D QU A R T E R 2017
For the Period Ending September 30, 2016
@Goldmoney
2. 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
Goldmoney 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
3. Innovative Technology
• Modern, real-time global gold settlement platform.
• Private proprietary digital ledger & exchange.
• Purchase/redeem physical gold in any denomination with all major
currencies via credit/debit cards, bank transfers, PayPal &
cryptocurrency.
• Secured & fully insured international vault locations operated by
professional private vault operators, including Brink’s and Loomis
International.
The world’s gold savings
& payments network
User Benefits
• Free & fully-regulated online account democratizes access to gold & provides
users with the ability to save, transact & transfer value in 100% allocated gold.
• Enables global citizens to safeguard their wealth and protect their purchasing
power from currency volatility.
• Fully reserved physical gold with protection against counterparty risk.
T R U E G O L D O W N E R S H I P + U T I L I T Y O F S A V I N G S A N D P A Y M E N T S
4. “Gold has been a commodity money for 6,000
years due to its natural properties. It also
forms an important part of most high net
worth investor portfolios.
5. Everything we touch, feel, breathe, or burn is either an element or compounds and
molecules comprised of elements. When an element or compound becomes consistently
desired, it becomes also known as a “commodity”.
Over the course of recorded history (6,000 years), humanity’s greatest minds from Aristotle
to Newton have discovered, studied, and classified 92 unique elements that naturally occur
on our planet. The first natural element discovered was likely copper with the last being
Francium in 1939. Each element has different physical properties, relative scarcity in the
earth, and varying lifecycles. Some are finite, others renewable; some decay rapidly, while
others are toxic to humans.
The relative abundance of the 92 natural elements to each other on our planet is well
understood. Unfortunately, disciplines beyond geology and physics are not well acquainted
with this obvious fact governing our natural systems. For example, we know that no matter
what continent, the average amount of copper in 1 tonne of copper containing ore is always
3,000 greater than that of gold. We know that the average crop yield per acre for corn is
2.6x that of wheat.
On average and over long periods of time, these relationships are immutably bound by
nature and revert back to the natural mean. Think of nature as a system enforcing the same
rules no matter what time period we occupy. These are the basic physics underlying our
natural systems.
Now let us move into economics… It follows then that in the real economy, everything built,
manufactured, or invented irrespective of industry relies on a chain of causes and effects.
Au
79
To understand gold, we must first reacquaint ourselves with natural systems, the elements, and basic natural law (physics) underlying all real economic activity.
Where does this chain begin? With the extraction, transportation, storage, and distribution of
elements. More specifically, agriculture and natural resource extraction. This is the point at which
price subjectivity is not yet present, rather man and nature working to produce the first surplus; a
surplus that isn’t discretionary, but rather existentially demanded by the state of the real economy.
When distilling each of these distinct activities, we find a common thread: Harnessing, manipulating,
or working with the elements always requires inputs of energy, labour, time, and information, which
we call “input units”. In most cases, energy represents the majority of that input value (up to 70%).
What we are doing as participants in an economy is harnessing and exchanging surpluses and
deficiencies of energy, which cannot be stored, over time. The term energy here doesn’t denote a
specific source of energy such as oil or solar power, but rather the concept of energy as a surplus that
can fuel work.
With this knowledge, we can quantify the long-run value of any good in the real economy through two
steps: First, we break down the elemental constituents and calculate their respective cost in input
units (primarily energy).
Secondly, we account for the “subjective” or “informational” value beyond that elemental cost.
Predictably, empirical price history shows that over time, the subjective or informational value
component of a good trends to zero.
In the real economy, these calculations recalibrate every day irrespective of the political,
monetary, or labour system employed.
Gold’s Natural Monetary Properties
GOLD (AU) EVOLVED INTO “MONEY” DUE TO PHYSICS, NOT ECONOMICS
By Roy Sebag and Joshua D. Crumb
6. Our human ancestors recognized these natural relationships and the friction inherent in
exchanging one specific desired good or service for another (barter). They began to
experiment with intermediate commodities that could bridge this quickly decaying energy
surplus, which they recognized as the true recurring cost of any good or service in the
economy.
As the state of the real economy prospered, such a commodity would become increasingly
desired as a “commodity money”; interestingly, history indicates this was a process of trial
and error, through millions of experiments with myriad commodities over thousands of
years.
Of the 92 natural elements, there is only one that could have evolved as an intermediate
“commodity money” representing an equivalent energy surplus, or energy proof of value to
any good or service. This natural element would not only need to be rarer than anything else
in nature, but also time superior by lasting longer, given that energy itself could not be
stored.
This combination of relative rarity in nature coupled with immortality resulted in the
natural evolution of using gold as money.
Gold is the rarest of mined elements on any meaningful scale, and has another equally
important feature: immortality. Gold doesn’t tarnish, rot, evaporate, or decay; unlike an
energy surplus or quickly decaying commodities, gold doesn’t have a lifecycle and for
reasons unbeknownst to us, resists entropy.
Total gold stock ownership reflects billions of past exchanges enforcing the natural
relationship over time.
Au
79
Gold’s natural properties made it the perfect intermediate commodity (money)
to bridge decaying energy.
Gold’s rarity is derived from that fact that its extraction absorbs more input units per mass than any other
element or compound. Gold is immortal because it lasts while everything else (including the input units)
diminishes over time; therefore, gold is always time superior to input units in any transaction within the real
economy. As gold lasts forever, all the gold ever extracted grows in size over time as an increasing physical
inventory (stock); conversely, input units representing the feedstock of the real economy diminish and have
no equivalent stock or inventory to draw upon, as they must always be reproduced or reconfigured in the
future.
Billions of people from varying geographies and cultures make up the ownership of this gold stock, having
acquired their own portions in exchange for their own diminishing input units. Every day, they can decide to
convert their gold back into diminishing input units, or convert the value of their newly earned surplus into
gold, affecting that same gold stock. Each acquires or converts their personal surplus through varying levels
of productivity, skills, time, and effort.
As the arrow of time is stretched and entropy in the system increases, there is an implicit reversion back the
natural mean (that natural elemental ratio we discussed). Bringing it back to economic terms, this is why
everything priced in gold is remarkably stable over the long-run, irrespective of what external measurement
system is introduced – whether that external system is fiat money, bitcoin, or jelly beans.
It follows that gold is simply natural money. Borne out of natural law (physics) rather than economic or
human decree, gold’s natural monetary properties allow it to better distribute price signals and an energy
surplus in the real economy, leading to a more equitable human system.
Whether embraced by the majority or minority, gold works always and everywhere.
Gold’s Natural Monetary Properties
GOLD (AU) EVOLVED INTO “MONEY” DUE TO PHYSICS, NOT ECONOMICS
7. Gold is a Good Store of Value. The Proof is in the Math.
6
GOLD PROTECTS PURCHASING POWER OVER THE LONG RUN
The cost of life in
US dollars over time
0.11
857
0.26
0.15
0.07
739
0.27
0.13
The cost of life in
Gold over time (grams)
1985 2015 1985 2015
Food
Fuel
Transportation
Entertainment
$1.16
$9,000
$2.75
$1.60 $4.79
$27,825
$2.51
$10.25
8. Average Since 2000
7
“
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.
10. “Devoid of modern savings and
settlement innovation, physical gold
hasn’t been easy or practical for the
average person to access. Until Now…
11. Goldmoney Inc.
Using technology to make gold easily accessible through a modern global network,
making it the best way to save, spend, or earn in gold, anywhere in the world.
THE WORLD’S GOLD SAVINGS & PAYMENTS NETWORK
12. The Technological Evolution of the Gold Market
11
GOLDMONEY INNOVATION REMOVES FRICTION WHILE EXPANDING
ACCESSIBILITY AND UTILITY FOR GOLD
- Costly and risky for average
investor (shipping, storage &
insurance costs)
- Unscrupulous actors (numismatics
& other high margin, low metal
value products)
- 3-5% premium to spot pricing
from the bid or offer (6-10%
round-trip cost)
- No utility, transfer, or spend
capabilities
+ Very Liquid ( Buy / Sell)
- Avg. annual fee .5% + premium to
spot (0.4%) + trading commission of
$10-20 + brokerage custody fee
(Assumes $2,500 investment, smaller
investments carry much higher fees)
- Generally no ownership of
underlying metal (paper security
with increased risk)
- No utility, transfer, spend, or
physical redemption capabilities
- Regressive product, better for elites
vs. smaller drip saver
+ Fully allocated .995 bullion with full
property rights under bailment law
+ Real time purchase + settlement via
online + mobile as small as .001 grams
+ Free storage + insurance with Brink’s
+ Unprecedented pricing
(0.5% of spot price as of Nov. 14, 2016)
+ Full transfer/settlement capabilities
(send / request / spend gold)
+ Fast purchase + redemption with multiple
currency + funding options
+ Redemption in physical gold +
delivery option
Traditional Physical
Gold Purchase
Gold ETF
Investment
+
13. Gold Ownership Made Easy
ü Securing Users’ Purchasing Power
ü Providing Reliable Savings Tools
ü Innovating How Global Payments
Work
Gold Ownership Made Easy
14. FEATURES
◆ 100% allocated gold savings
◆ Easily build a savings plan (drip/recurring savings)
◆ Send, request, shop, and donate globally with Gold
◆ No minimums or monthly fees
◆ Free storage & insurance at multiple global vault
operations
◆ Low 0.5% deposit/redemption fee (as of Nov. 14,
2016)
◆ Free third-party issued Goldmoney Mastercard
Prepaid
◆ Goldmoney fraud & purchase protection
◆ Goldmoney App for iOS and Android
◆ Goldmoney Community & online support prepaid
WHY CONSUMERS LOVE GOLDMONEY
Simplicity Security Flexibility
+ One account that lets you save in gold, transfer gold to
friends and family, and shop online and in stores globally.
15. FEATURES
◆ Accept ecommerce, donation & subscription payments
◆ Powerful invoicing platform
◆ Global payouts & payroll tool
◆ Process global payments from any currency for 1%
◆ Store gold balance for free or redeem to your currency
for 0.5% (as of Nov. 14, 2016)
◆ Customer & inventory management
◆ Automatic settlement to your bank
◆ Goldmoney App for iOS and Android
◆ Goldmoney Community & online support
WHY MERCHANTS LOVE GOLDMONEY
Global Reach Cost-Effective New Sales
+ Global processing made easy using gold. One account to pay
employees and get paid by global customers and suppliers.
Pay
16.
17. ◆ Hold up to nine currency balances
◆ Purchase all four precious metals: gold,
silver, platinum & palladium
◆ Insured custody & storage at multiple global
vault operations
◆ Comprehensive reporting & research
◆ Access to exclusive events
◆ Personal relationship manager
◆ Dedicated phone and online support
◆ Exclusive third-party issued 18K gold
Goldmoney Mastercard Prepaid
TRUSTED PRIVATE WEALTH MANAGEMENT
Fully Reserved Your Metal Your Money
+ Safeguarding Your Wealth.
Protecting Your Legacy.
FEATURES
18. 17
“With Goldmoney, you’re not outside the regulatory
system, but you do move outside the central
banking system into a secure closed-loop account-
based gold settlement network.
19. Goldmoney Inc. Financial Highlights
18
Revenue growing significantly Quarter over Quarter ($CAD) driven by user, purchase & transaction growth
As at Sept 30, 2016:
Working capital of $59.8M
Liquidity position of
$61.1M
to satisfy
$1.2M of liabilities
2.9
66.3
80.8
108.7
112.4
140.4
20
40
60
80
100
120
140
160
Q1 2016 Q2 2016 Q3 2016 Q4 2016 Q1 2017 Q2 2017
Millions($)
0.01
1.05
1.15
1.90
2.90
2.30
0.00
0.50
1.00
1.50
2.00
2.50
3.00
3.50
Q1 2016 Q2 2016 Q3 2016 Q4 2016 Q1 2017 Q2 2017
Millions($)
Gross Profit
SEDAR
Revenue Growth
20. Virality of a Healthy Network Effect
M O R E T H A N 1 . 2 8 M G L O B A L A C C O U N T S I G N U P S … . F R O M M O R E T H A N 1 5 0 C O U N T R I E S …
W H O C O N T I N U A L LY I N C R E A S E T H E I R N U M B E R O F T R A N S A C T I O N S
*Goldmoney Network (Personal & Business)
0
0.2
0.4
0.6
0.8
1
1.2
1.4
Q1
2016
Q2
2016
Q3
2016
Q4
2016
Q1
2017
Q2
2017
Millions
0
1
2
3
4
5
Q1
2016
Q2
2016
Q3
2016
Q4
2016
Q1
2017
Q2
2017
Q1 2016 Q2 2016 Q3 2016 Q4 2016 Q1 2017 Q2 2017
Africa Asia Europe
North America Oceanica South America
Cumulative Users with a
Gold Balance by Region
(+37% QoQ)
+15% CAGR
Transactions per Active User
Cumulative Signups
% Growth in
Recurring Deposits
21. Number of cards issued
growing +8% MoM
Goldmoney Mastercard Prepaid Progress to Date
TRACTION ACCELERATING: CARD ISSUES & USAGE
Card load activity growing
+6% MoM
Local point-of-sale: 80%
ATM withdrawals: 20%
Distribution of Card Transactions
ATM Trx POS Trx
Cumulative Cards Issued
CHF USD GBP EUR
Card Loads in Gold Grams by Currency (GAU)
GAU -> CHF GAU -> USD
GAU -> GBP GAU -> EUR
22. 21
Goldmoney set a new transparency standard
for the financial services industry with the
development and launch of the Real Time
Audit, which displays live deposits,
redemptions, and transfers made on the
Goldmoney Network, along with a breakdown
of client assets.
Real Time Audit
TRANSPARENCY REDEFINED
23. Jan-May 2015
••Raises C$7MM
••Commercial launch
of BitGold.com
••BitGold IPOs and
commences trading
on TSX Venture
••Acquires GoldMoney
for C$51.9M
June-Aug 2015
••Completes C$21M Bought
Deal Financing
••Commercial launch in US
••Former Head of PayPal
Canada, Darrell MacMullin
named CEO
••Name change to
GoldMoney Inc.
••Gold-Settlement
Technology Links to nine
major financial institutions
Sept-Dec 2015
••Launch of Mobile App for
Android & iOS
••Launch of Recurring
Savings & Payments Tools
••Launch of Goldmoney
Insights
••Launch of Automatic Bank
& Card Redemptions
••Launch of World’s First
Gold Balance Funded
Prepaid Card
Jan-June 2016
••Launches Business
accounts and payments
••Completes Upsized
Financing from C$15MM
to C$36.6M
••Graduates to the Toronto
Stock Exchange TSX:XAU
••Launches Gold Payroll for
Business platform
••Surpasses 1M signups
••Unifies BitGold &
Goldmoney brands;
creation of Goldmoney
Personal, Business and
Wealth accounts.
••Enters into Acquisition
Agreement with Schiff
Gold LLC. and Marketing
and Service Agreement
with Peter Schiff
July-Sept 2016
••Completes platform
unification and rebrand;
establishes Goldmoney
Network (Business &
Personal) and
Goldmoney Wealth
businesses
••Sets new transparency
standard with launch of
Real Time Audit
••Accelerates direct-to-
bank value settlement
for 87 countries and 44
currencies
••Launches PayPal
integration and exclusive
vault for users in the U.K.
and Europe
Significant Goldmoney
Milestones
22
24. 23
• Liquidity position of $61.1M (as of Sept. 30, 2016)
• 69.2M shares outstanding; 4.9M warrants & options outstanding
• $67.8M total capital raised (as of Sept. 30, 2016)
• $36.6M in bought deal financing (Feb. 2016)
• $59.4M acquisition (11.1mm shares issued) of Goldmoney (July 2015)
• ~$5M acquisition of Schiff Gold: 1.06M shares + 1.4M warrants (as of Nov. 14, 2016)
THE NUMBERS – CAPITAL STRUCTURE
Goldmoney Inc. graduates to
the Toronto Stock Exchange
in less than one year.
Capital Structure, Financing & Analyst Coverage
Analyst Coverage
§ GMP Securities – Stephen Boland
§ Clarus Securities – Noel Atkinson
§ Mackie – Nikhil Thadani
Founders and Board
own and control more
than 26M shares
25. Top Executives
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, and macroeconomics.
FOUNDER & CHIEF STRATEGY OFFICER
Josh Crumb
Former Sr. Metals Strategist,
Goldman Sachs
CHIEF TECHNOLOGY OFFICER
Alessandro Premoli
Decade+ experience in encryption,
cryptography & digital signatures
FOUNDER & CEO OF GOLDMONEY INC.
Roy Sebag
Former Portfolio Manager
Long/Short Equity, Essentia Equity
CEO, GOLDMONEY NETWORK
Darrell MacMullin
Former Head of PayPal Canada, eBay
Fintech Advisor
CHIEF FINANCIAL OFFICER
Katie Sokalsky
Former auditor, PwC
Financial services expertise
26. Goldmoney Inc. Board of Directors
LEAD DIRECTOR
FOUNDER
James Turk
DIRECTOR
Hector Fleming
DIRECTOR
CHAIRMAN OF AUDIT COMMITTEE
Mahendra Naik
DIRECTOR
Leslie D. Biddle
DIRECTOR
CHIEF STRATEGY OFFICER
Josh Crumb
DIRECTOR
CHIEF EXECUTIVE OFFICER
Roy Sebag
28. 334 Adelaide St. West 3rd Floor
Toronto, Ontario
M5V 1R4 Canada
Investor Relations:
Jacquelyn Humphrey
ir@goldmoney.com
+1 647 499 6748
GOLDMONEY INC. IS TRADED UNDER THE SYMBOL “XAU” ON THE TORONTO STOCK EXCHANGE (TSX). FINANCIAL REPORTS AND FILINGS CAN BE VIEWED HERE.
FOR ADDITIONAL INFORMATION AND PRESENTATIONS, PLEASE VISIT OUR INVESTOR RELATIONS NEWSROOM.