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.
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 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.
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 - 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 - 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. 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 - 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 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.
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 - 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 - 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. 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.
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 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.
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.
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 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 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.
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 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 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.
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 discusses a new global payment network called BitGold that aims to improve on current national payment systems. It notes that existing systems have bottlenecks, long settlement times, high fees and currency volatility. BitGold proposes using modern technology and innovations to optimize money movement globally, allowing for fast, easy to set up payments with flexible settlement across borders. The system would provide an alternative to traditional national infrastructures for facilitating global trade and commerce.
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.
BoyarMiller Breakfast Forum: The Energy Industry 2016 – Looking ForwardBoyarMiller
As part of its ongoing Breakfast Forum series, BoyarMiller gathered industry experts for a discussion on the energy industry.
Speakers included David A. Pursell with Tudor, Pickering, Holt & Co., Matthew G. Pilon with Simmons & Company International and Robert A. Dye, Ph.D. with Comerica Bank.
The Corporate Responsibility Report offers an insight into how Credit Suisse assumes its various responsibilities as a bank, as an employer, as well as towards society and environment.
- Download or order the Corporate Responsibility Report: http://bit.ly/1WruTww
- Visit our website for more information: http://bit.ly/1ZvcvBg
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 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 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 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.
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.
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 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.
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.
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 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 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.
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 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 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.
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 discusses a new global payment network called BitGold that aims to improve on current national payment systems. It notes that existing systems have bottlenecks, long settlement times, high fees and currency volatility. BitGold proposes using modern technology and innovations to optimize money movement globally, allowing for fast, easy to set up payments with flexible settlement across borders. The system would provide an alternative to traditional national infrastructures for facilitating global trade and commerce.
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.
BoyarMiller Breakfast Forum: The Energy Industry 2016 – Looking ForwardBoyarMiller
As part of its ongoing Breakfast Forum series, BoyarMiller gathered industry experts for a discussion on the energy industry.
Speakers included David A. Pursell with Tudor, Pickering, Holt & Co., Matthew G. Pilon with Simmons & Company International and Robert A. Dye, Ph.D. with Comerica Bank.
The Corporate Responsibility Report offers an insight into how Credit Suisse assumes its various responsibilities as a bank, as an employer, as well as towards society and environment.
- Download or order the Corporate Responsibility Report: http://bit.ly/1WruTww
- Visit our website for more information: http://bit.ly/1ZvcvBg
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 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 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 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.
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 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.
“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.
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.
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?
The document discusses BitGold Inc., a company that aims to modernize access to gold savings and payments through an online platform. It allows users to purchase and store allocated gold in insured vaults, then spend the gold through a debit card or send it to other users. The platform provides a secure way to use gold for both savings and everyday transactions on a global scale. It has raised over $10 million from investors and is developing mobile apps and physical ATMs to further its mission of bringing the benefits of gold to the digital era.
The document discusses BitGold Inc., a company that aims to modernize and mobilize the gold market through a software platform. Key points:
- BitGold allows users to securely store gold in vaults, purchase and redeem gold, and send/receive gold payments through their mobile app and debit card.
- The platform uses patent-pending technology to instantly credit gold deposits from various sources like credit cards into user vault accounts.
- BitGold is targeting early growth markets like online gold storage, crypto currencies, cross-border payments, and merchant payments/invoicing.
- Revenue comes from transaction fees on the platform which aims to revolutionize global access and use of gold through internet-scalable technology
The document discusses BitGold Inc., a company that aims to modernize and mobilize the gold market through a software platform. Some key points:
- BitGold allows users to securely store gold in vaults, purchase and redeem gold, and send/receive gold payments through their mobile app and payment cards.
- The platform uses patent-pending "Aurum" technology to solve issues with allocating physical gold to high-velocity payments.
- BitGold raises funds through public investment to pursue an internet growth strategy, making their gold-based savings and payments platform globally accessible.
- Revenue comes from transaction fees for the vaulting business, crypto/e-gaming markets, cross-border
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.
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.
ORBCOMM is committed to maximizing shareholder value. We continue to increase the number of subscriptions activated on our dedicated industrial IoT and M2M satellite constellation. We have an established global network and proven technology, a low-cost structure as well as key distribution and OEM customer relationships. We also have a comprehensive subscriber management platform that will further enhance our value to our customers and provide new ongoing revenue streams.
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.
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 - 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.
ORBCOMM is committed to maximizing shareholder value. We continue to increase the number of subscriptions activated on our dedicated industrial IoT and M2M satellite constellation. We have an established global network and proven technology, a low-cost structure as well as key distribution and OEM customer relationships. We also have a comprehensive subscriber management platform that will further enhance our value to our customers and provide new ongoing revenue streams.
Charles Stanley & Co. Limited is one of the oldest firms on the London Stock Exchange, originally forming as a banking partnership in 1792 in Sheffield. Today it is one of the leading investment management companies in the UK, focused on providing traditional, high-quality personalized investment services to discerning private investors. The firm prides itself on continually investing in its administration functions and IT systems to deliver the best levels of service and attention to detail for its clients.
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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.
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Goldmoney Inc. Investor Relations Presentation - June 2017
1. T H E M O S T T R U S T E D N A M E
I N P R E C I O U S M E T A L S
XAU
XAUMF
2. Our world is being transformed by technology and innovation, but
it’s also rife with financial and economic uncertainty.
Our mission:
1. Harness financial technology to build the world’s safest
financial service.
2. Build lasting relationships with a global base of clients by
making precious metals-backed savings accessible to all.
TheGoldmoneyFoundingMission
2G O L D M O N E Y I N C . I N V E S T O R P R E S E N T A T I O N J U N E 2 0 1 7
3. 3
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.
I MPO RT A N T N O T I CE
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.
CautionRegardingForward-LookingInformation
G O L D M O N E Y I N C . I N V E S T O R P R E S E N T A T I O N J U N E 2 0 1 7
4. Safeguarding $1.9 billion in assets for clients located in more than 150 countries, Goldmoney is
the premier destination for precious metal savings and banking services, unrivaled research, and
thought leadership.
The only financial service offering of its kind, the Goldmoney Holding is a fully-reserved precious
metals account that provides everyday accessibility, and mobile payment and transfer services.
GoldmoneyInc.Overview
Return on Metal Weight (“ROMW”) business model: Our objective is to grow gold ownership per
share through time, measuring our success and returns on a gold-weight adjusted basis.
4
Buy Sell Hold Earn Spend Send Redeem
G O L D M O N E Y I N C . I N V E S T O R P R E S E N T A T I O N J U N E 2 0 1 7
5. MoneyManagementLandscapeisDramaticallychanging,
andtheWorldislookingforsafetrustedsolutions
GLOBAL MACRO AND TECHNOLOGY TAILWINDS
Mass adoption of mobile &
connected devices
Digitization of money
Markets are global
Fragmentation of wealth, banking &
payment relationships with new
technology.
Emergence of alternative financial
service offerings
Fiat banking is vulnerable
Negligible real-interest rates,
unprecedented
experimentation with
monetary policy necessitates
weak sovereign currencies,
driving up the cost of living.
MARKET NEEDS
Globally trusted solutions Risk reduction
Efficient store and global
transfer of wealth
5G O L D M O N E Y I N C . I N V E S T O R P R E S E N T A T I O N J U N E 2 0 1 7
6. As an innovative industry leader in a niche financial segment, Goldmoney strives to
build client relationships across all countries and income segments while growing share
in the $8 trillion precious metals market.
Having invested in relationships with clients and the technology that serves them for 16
years, Goldmoney is the premier destination for precious metal savings. The Goldmoney
growth model is to expand our service offerings in a new technological environment, but
from a starting point of a unique, trusted, global relationship base.
The position we occupy offers significant value to our shareholders over the long-term:
AGoldStandardGlobalOffering
First, it creates a continuous global revenue source via an asset-light
scalable internet service.
Second, it enables us to gain unique asymmetry to a rising precious
metal price environment as we earn recurring transaction and
custody fees on client assets under custody.
6G O L D M O N E Y I N C . I N V E S T O R P R E S E N T A T I O N J U N E 2 0 1 7
7. ProductInnovation:History&RoadAhead
Original pioneer in online-based, non-bank bullion dealing and custodial services.
Old GM generated significant profits and operating cash flow (nearly 50 million GBP in cumulative earnings and
distributions).
Platform merged with BitGold, a gold-based payments and savings network.
Goldmoney Mastercard Prepaid program added payments & accessibility to Holdings.
Built regulatory framework for gold payments and transfers.
Built technology infrastructure for global automation and accessibility.
Enabled the 24/7 buying and selling of vaulted precious metals globally.
Funds-in infrastructure: ACH/EFT, PayPal, major card networks, digital currency, WeChat, Alipay, and
more.
Funds-out infrastructure: redeem/remit funds to bank accounts in 88 countries.
Business & payment tools enabled users to earn in gold!
Payroll and payouts extended to 88 countries with Goldmoney infrastructure.
Global invoicing and payment processing in gold.
Beginning June 1, 2017, with infrastructure in place, focus on profitability, expanded marketing, and growth of
product utilization in single holding structure.
2H 2018: Develop & launch new product offerings targeting precious metals, fiat-savings, lending (LBT see slide
25), and asset management.
2H 2018: Goldmoney Branches (see slide 21), renewed focus on B2B, business accounts, & institutional services
2001
2016/17
FY 2018
7G O L D M O N E Y I N C . I N V E S T O R P R E S E N T A T I O N J U N E 2 0 1 7
2001-2015
8. 8G O L D M O N E Y I N C . I N V E S T O R P R E S E N T A T I O N J U N E 2 0 1 7
ROMWModel
The Goldmoney business model provides unique exposure to a ROMW (Return on Metal Weight) financial model similar to that
employed by precious metal streaming companies; however, unlike the majority of those companies, Goldmoney accumulates the
precious metals it earns above its working capital requirements.
Like a golden tree, Goldmoney Inc.’s precious metal position grows with each passing day. If we are moderately successful,
stakeholders can expect Goldmoney to outperform the precious metal markets over time. This is due to the compounding nature
of our growing precious metal position.
SEASONED ALLOCATORS OF CAPITAL
The Goldmoney executive team and board is comprised of seasoned capital allocators
with more than 100 years of combined experience in multiple asset markets. While the
primary objective of the group is to generate ROMW from operations, our capital
allocation experience allows us to navigate macroeconomic trends and maintain
balance sheet discipline when it comes to hedging currency and metal exposure.
HYPOTHETICAL ROMW SCENARIOS* – PRESENT TANGIBLE COMMON EQUITY PER SHARE ($.85)
10 Year – 1% Annual Customer Growth, 1% Annual Metal Growth, 10% Precious Metal CAGR in CAD – ($4.75 per share)
15 Year – 1% Annual Customer Growth, 1% Annual Metal Growth, 10% Precious Metal CAGR in CAD – ($10.09 per share)
20 Year – 1% Annual Customer Growth, 1% Annual Metal Growth, 10% Precious Metal CAGR in CAD – ($20.63 per share)
11. TheGoldmoney®Holding
PRECIOUS METAL ACCOUNTS AND WEALTH PROTECTION SINCE 2001
11G O L D M O N E Y I N C . I N V E S T O R P R E S E N T A T I O N J U N E 2 0 1 7
A Goldmoney Holding is an online account
that allows you to securely invest in
precious metals owned in your name at
insured vaults across six countries.
A Goldmoney Holding is a custodial
account with allocated, segregated, and
physically redeemable bullion belonging to
its owner. It’s more secure than traditional
accounts at a bank or investment firm,
and has lower risks and costs than owning
precious metals ETFs.
When it comes to physical precious metals,
no other service offers more features and
utility than the Goldmoney Holding.
13. TheGoldmoneyHolding
ASSURANCES OF INTEGRITY
We only deal in London Good Delivery standard (LBMA) .999
or better pure gold, silver, platinum, and palladium bullion
bars. All metal is fully-redeemable at vaults and Goldmoney
Branches. Delivery is available via SchiffGold.
Quality control: We use an ultrasound scanning device
developed by GE to test each bar for foreign materials and
defects.
Goldmoney Wealth Limited is regulated by the Jersey
Financial Services Commission (JFSC) as a Money Services
Business. Goldmoney Network is a reporting entity to the
Financial Transactions and Reports Analysis Centre of
Canada (FINTRAC), and is registered with the Financial
Crimes Enforcement Network (FinCEN) in the U.S.
All customer metal is audited by KPMG under ISAE 3402 and
all vaults maintain adequate insurance against theft or loss.
Audit reports and insurance contracts are available to each
client in the Governance section of their Holding Dashboard.
Full transparency is reflected in our Real-Time Audit.
We conduct digital audits and send a copy of each audit to
KPMG daily. Our audits reconcile a one-to-one ratio between
the precious metals in our vaults and our client database.
13G O L D M O N E Y I N C . I N V E S T O R P R E S E N T A T I O N J U N E 2 0 1 7
14. TheGoldmoneyHoldingvs.ETFs
The benefits of a Goldmoney Holding extend beyond the qualitative
aspects, and are vastly superior to Exchange-Traded Fund (ETF) holdings
such as SPDR Gold Shares (NYSE:GLD) or the iShares Gold Trust
(NYSE: IAU).
GLD, the leading ETF, is designed so that its shares track the price of
gold. For this service, GLD charges an annual management fee of
approximately 0.4%, which is three times greater than the annual all-in
storage fee paid by Goldmoney clients for the storage, bar testing,
insurance, and audits of their gold, as well as the full suite of features
provided for free with a Goldmoney Holding.
But this is only one reason to not own an ETF. There have been many
recent examples of ETFs abruptly suspending redemptions or restricting
shareholders from accessing or buying more of the underlying security.
The pyramid diagram displays the varying risks of metal ownership.
While there is nothing that comes closer to owning gold in hand, allocated
gold bullion – what Goldmoney Holdings provide – is the next best thing,
while ETFs and unallocated bullion carry significantly more counterparty
risk.
For students of history and those who understand common law property
rights, the decision to have physical metal owned under your name at a
vault custodian rather than a complex web of securities with limited
redemption rights should be obvious. That’s ultimately the difference
between owning precious metals through Goldmoney vs. ETFs.
14G O L D M O N E Y I N C . I N V E S T O R P R E S E N T A T I O N J U N E 2 0 1 7
15. TheGoldmoneyHoldingvs.CoinsandBars
Coins and small bars are usually 3-7% more
expensive than buying gold with Goldmoney.
Dealers also tend to offer buybacks at a discount of
about 2-3%. prices can be reliably compared
against the published spot price.
Although storing coins and small bars at home is
free, it isn’t advisable for sizeable investments and
may require additional insurance. Insurance on
gold for homeowners generally amounts to 1-2% of
its value per year.
As a Goldmoney client, you benefit from our access
to wholesale insurance prices (as little as 0.12% for
gold), which we include in our storage fees.
15G O L D M O N E Y I N C . I N V E S T O R P R E S E N T A T I O N J U N E 2 0 1 7
16. TheGoldmoneyHolding–MobileApplication
THE GOLDMONEY APP
Goldmoney Holding access and
management.
Goldmoney Mastercard Prepaid card
request and activation.
Secure 100%-reserved and allocated
precious metals deposits (gold, silver,
platinum, and palladium) in choice of
vaults.
Buy, sell, transfer, and exchange
precious metals and currencies.
Client contact with personal
Relationship Manager.
16G O L D M O N E Y I N C . I N V E S T O R P R E S E N T A T I O N J U N E 2 0 1 7
17. 17
GoldmoneyHolding–MetalPayments
GLOB AL TR ANS F ER S WITH GOLD
Instantly transfer gold and other precious metal value
to anyone without charge via Holding Number or email.
At Goldmoney, we believe transferring value should be
easy, instant, and secure, which is why we developed a
new way to transfer value by using gold as a payment
rail within our closed-loop network.
Even today, Goldmoney can be the cheapest and easiest
method for making global transfers, using gold as an
instant bridge between any currencies, almost
anywhere.
Recipients can accept and retain the metal balance for
free or choose to sell their metal for one of nine
currencies in their Holding, redeem the value to their
linked bank account, load a Goldmoney Mastercard®
Prepaid card to spend in local currency for a small
redemption fee, or take physical delivery.
S ET AUTOM ATIC R EDEM P TIONS & R EM OVE C UR R ENC Y TO
M ETAL P R IC E R IS K
Automatic redemptions protect you from varying price changes by instantly
redeeming metal to your desired currency. Once you have determined your
settings, redemptions will automatically be made to your linked bank account or
Goldmoney Mastercard Prepaid card in the currency of your choice.
Please note that automatic redemptions to Goldmoney Mastercard Prepaid cards
from the Dubai vault are not available at this time.
S ET AUTOM ATIC TR ANS F ER S
Never worry about missing a transfer to a loved one
located on the other side of the world, a child away at
university, or employees. Goldmoney helps you remove
friction*
*Please note that residents of the U.S. state of Vermont
and several other countries are currently unable to
send or receive payments.
G O L D M O N E Y I N C . I N V E S T O R P R E S E N T A T I O N J U N E 2 0 1 7
18. 18
GoldmoneyHolding–BusinessTools
B US INES S P AYR OLL – P AY M ULTIP LE P AYEES
Paper cheques and international bank wires slow down your cash flow and delay settlement. Time
is money. Save both by automating free payments in different currencies and send to thousands of
recipients at once.
Remove global payment barriers and avoid cross-border fees by using gold for employee payroll
and dividends, customer rebates and rewards, and partner and affiliate payouts.
B US INES S INVOIC ING
Provide customers with a better global payment
option while protecting your business from
currency conversions and volatility. Your
customers can pay invoices with a credit/debit
card or directly from their bank account, and you
receive payment in the equivalent vaulted gold
value.
Whether you're invoicing for your time and
services or selling goods to a customer, our tools
allow you to receive all types of payments, and
easily add the inventory of goods you sell and/or
services you provide for repeat use and speedy
invoice creation.
No cross-border, foreign exchange, set up, or
monthly fees or minimums. Straightforward
global pricing, no matter where your customers
are located. You only pay a 1% to process a
payment, regardless of how your customer pays.
Redeem your gold balance to your bank account
or Goldmoney Mastercard Prepaid card as
needed for a small redemption fee, or take
physical delivery.
G O L D M O N E Y I N C . I N V E S T O R P R E S E N T A T I O N J U N E 2 0 1 7
19. 19
TheGoldmoneyHolding–MastercardSelection
Our Goldmoney Mastercard® Prepaid card can be
requested in either metal or plastic, and is available
exclusively to Goldmoney clients.
Minted from 18K gold or silver, our metal cards are meticulously hand
crafted in Switzerland by distinguished artisans who use proprietary
techniques that maximize the metal content.
GOLDMONEY PLASTIC
MASTERCARD PREPAID CARD
GOLDMONEY 18K GOLD
MASTERCARD PREPAID CARD
GOLDMONEY SILVER
MASTERCARD PREPAID CARD
Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated. The Card is issued by Wirecard Card Solutions Ltd (“WDCS”) pursuant to licence by
Mastercard International Inc. WDCS is authorized by the Financial Conduct Authority to conduct electronic money service activities under the Electronic Money Regulations 2011 (Ref: 900051).
G O L D M O N E Y I N C . I N V E S T O R P R E S E N T A T I O N J U N E 2 0 1 7
20. 20
PhysicalRedemptions–Coins,Bars
ThroughSchiffGold
The Goldmoney Holding automatically enables clients to
redeem their metal value into coins, bars, and other
SKUs through our subsidiary SchiffGold, a joint venture
between Goldmoney Inc. and legendary gold investor
Peter Schiff.
SchiffGold can also arrange to buy clients’ existing coins and bars and
fund their Goldmoney Holdings with the proceeds of the sale.
G O L D M O N E Y I N C . I N V E S T O R P R E S E N T A T I O N J U N E 2 0 1 7
21. 21
GlobalPhysicalBranchStrategy
We believe there is an opportunity to expand our services and global footprint by
establishing a network of physical branches around the world.
There are many examples of asset-light internet financial services with no-inventory “embassy” branches
(Scottrade, E*Trade & Schwab).
Goldmoney Branches provide an opportunity for customers to build trust with the brand and enjoy in-person
customer service.
Goldmoney Branches are an important link between in-person experience and online marketing efforts; they offer
local research and educational libraries, and provide locations for clients to connect with the brand in-person,
check daily pricing, or through hosted events.
Goldmoney Branches may also eventually offer gold deposit, buyback, and redemption options.
Where possible, Goldmoney can acquire the underlying property (as done in St. Helier, Jersey), which reduces
rent costs while providing an additional long-term return on shareholder capital.
Current branch location strategy: Toronto (under construction), Jersey (under construction), New York (currently
in lease negotiation), Dallas (currently investigating), and Zurich (currently investigating).
G O L D M O N E Y I N C . I N V E S T O R P R E S E N T A T I O N J U N E 2 0 1 7
22. TheGoldmoneyHolding–Branches
G O L D M O N E Y N E W Y O R K
G O L D M O N E Y T O R O N T O
GOLDMONEY ST.
HELIER
22G O L D M O N E Y I N C . I N V E S T O R P R E S E N T A T I O N J U N E 2 0 1 7
23. 23
TheGoldmoneyEconomy–InvestmentsandJVs
When possible, we make strategic investments in ventures that help to demonstrate the commercial
viability of the Goldmoney “Economy”. These business ventures help to broaden access to physical
gold or engage in the monetization of precious metals earning a return on metal weight (ROMW).
SCHIFF GOLD, LLC (100% OWNERSHIP, 50% PROFIT JV)
SchiffGold is one of the leading direct-to-consumer coin and bullion dealers in the U.S.,
and was founded by legendary gold investor Peter Schiff. SchiffGold’s experienced
relationship managers handle all Goldmoney Holding non-vault redemptions into coins,
bars, and other bullion-grade products.
LEND & BORROW TRUST COMPANY LTD. (13.3% OWNERSHIP)
Lend & Borrow Trust (LBT) is an FCA regulated peer-to-peer precious metal lending
service founded by James Turk and Eric Sprott. The revolutionary idea allows precious
metal depositors to borrow fiat currency from fiat currency depositors who earn a yield
backed by a precious metal deposit. As part of our investment, LBT entered into an
exclusive dealing and storage agreement with Goldmoney. This agreement means that
LBT’s growth and success contributes to the growth of Goldmoney assets under custody
and transaction fees.
MENĒ (35% OWNERSHIP)
Menē Inc. (pronounced “meh-nay”) is a disruptive new jewelry venture founded by Roy
Sebag (Goldmoney Inc. founder) and Diana Widmaier-Picasso. The company plans to
manufacture and retail 24K pure gold jewelry which will be sold through an innovative
direct-to-consumer online experience. Goldmoney Inc. participated in the seed
investment round, and Menē entered into an exclusive dealing, storage, and wholesale
distribution agreement with Goldmoney.
G O L D M O N E Y I N C . I N V E S T O R P R E S E N T A T I O N J U N E 2 0 1 7
25. Team
D I R E C T O R – C H I E F E X E C U T I V E O F F I C E R
RoySebag
Roy Sebag is the Chief Executive Officer of Goldmoney Inc. following the
merger of Goldmoney with BitGold, an online financial platform providing free
global payments and secure savings in physical redeemable gold bullion. Mr.
Sebag founded BitGold in 2014 along with Josh Crumb. He also serves as the
Managing Principal of Braavos Capital, an international private investment
organization engaged in value-oriented investments across a variety of asset
classes and industries.
D I R E C T O R – C H I E F S T R A T E G Y O F F I C E R , C F O
JoshCrumb
Josh is a founder of Goldmoney Inc. and currently serves as Chief Strategy
Officer, CFO, and Director of the Board. Josh previously worked as an
economist at Goldman Sachs, where he was the Senior Metals Strategist in the
Global Economics, Commodities and Strategy Research Division in London. He
also served as Director of Corporate Development at the Lundin Group of
Companies. Josh holds a M.Sc. in Mineral Economics, a Graduate Certificate in
International Political Economy, and a B.Sc., Engineering from the Colorado
School of Mines.
25G O L D M O N E Y I N C . I N V E S T O R P R E S E N T A T I O N J U N E 2 0 1 7
26. F O U N D E R – L E A D D I R E C T O R
JamesTurk
James began his career at The Chase Manhattan Bank (now JP Morgan Chase
Bank) where he worked on assignments in Thailand, the Philippines, and Hong
Kong. He subsequently was Manager of the Commodity Department of the Abu
Dhabi Investment Authority and held various advisory roles in money
management. He founded Goldmoney in 2001 with his son, Geoffrey, and
remains an active advisor to Goldmoney by serving as Lead Director of the
board.
C O O , H E A D O F P A Y M E N T S & T E C H N O L O G Y
DarrellMacMullin
Darrell MacMullin has driven successful new payment and commerce
innovations for the past 15 years, including the launch and leadership of
PayPal during its first eight years in Canada. He has worked closely both as an
advisor and investor with entrepreneurs, developers, and industry partners to
accelerate the growth of new fintech payments and ecommerce companies from
early stage growth to multi-million user platforms, including eBay Canada and
Chapters Indigo Online.
26G O L D M O N E Y I N C . I N V E S T O R P R E S E N T A T I O N J U N E 2 0 1 7
27. C H I E F T E C H N O L O G Y O F F I C E R
AlessandroPremoli
Alessandro "Alex" Premoli is the Chief Technology Officer of Goldmoney. He is
the architect of the Goldmoney proprietary platform, and leads the Goldmoney
development team in Milan, Italy. Over the last decade, he has developed
encrypted storage and messaging systems for highly sensitive, data-intensive
organizations, gaining comprehensive experience in security, cryptography and
digital signature solutions. Alex is one of the original community members of
the cryptocurrency world and was formerly a security consulting to the Ripple
Financial Protocol.
G R O U P G E N E R A L C O U N S E L & D I R E C T O R
KatyMillington
Katy Millington is the Group General Counsel and executive director of the
Jersey companies. She holds a Bachelor of Laws (with honours) and a Bachelor
of Arts from the University of Auckland. Before joining the group, Katy worked
as a commercial litigator and regulatory lawyer with leading international law
firms across multiple jurisdictions, including New Zealand, Cook Islands,
United Kingdom, and Jersey, advising on a variety of issues including
companies and securities matters, the UK Bribery Act and US Foreign Corrupt
Practices Act, economic sanctions, and worldwide freezing orders.
27G O L D M O N E Y I N C . I N V E S T O R P R E S E N T A T I O N J U N E 2 0 1 7
28. D I R E C T O R
StefanWieler
Stefan has spent more than 10 years at some of the world’s top financial
institutions, including a role as an Executive Director and Sr. Commodity
Strategist at Goldman Sachs, Head of Research for New York-based
commodities hedge fund BBL Commodities, which made a 51.3% return in
2014 and was winner of the “New Fund of the Year” at the Absolute Return
Awards, and as the head of commodity research (buy side) at Julius Baer in
Zurich. Stefan is an active member of the Board of Goldmoney Inc.
D I R E C T O R
LeslieBiddle
Prior to joining Serengeti, Ms. Biddle spent nearly 10 years at Goldman Sachs,
where she was most recently Global Head of Commodity Sales and the CFO of
the firm’s investments in the metals and mining sector. Prior, she held
positions as head of Power, Metals/Industrial, Latin American and
Environmental Commodities. Ms. Biddle was responsible for many of the
structured transactions in the private equity and power spaces including the
monetization of the Allegheny DWR Contract, the structuring of Calpine
Construction Finance Company hedge, the Texas Genco acquisition, Northern
Tier Energy financing and the TXU leveraged buyout.
28G O L D M O N E Y I N C . I N V E S T O R P R E S E N T A T I O N J U N E 2 0 1 7
29. H E A D O F R E S E A R C H
AlasdairMacleod
Alasdair has been a celebrated stockbroker and Member of the London Stock
Exchange for more than four decades. His experience encompasses equity and
bond markets, fund management, corporate finance and investment strategy.
In 2002, Alasdair became an executive director of Ansbacher (CI) Ltd., a bank
based in Guernsey and Jersey that is responsible for investment management
and administration.
V . P . H E A D O F W E A L T H S E R V I C E S
JohnButler
John has served as a managing director for bulge-bracket investment banks on
both sides of the Atlantic in research, strategy, asset allocation and product
development roles, at Deutsche Bank and Lehman Brothers. He has advised
some of the world’s largest institutional and private investors in matters
ranging from wealth preservation to enhancing returns through a wide variety
of innovative strategies and he has been a #1 ranked investment strategist by
Institutional Investor magazine. John also authored “The Golden Revolution”
and “The Golden Revolution, Revisited”.
29G O L D M O N E Y I N C . I N V E S T O R P R E S E N T A T I O N J U N E 2 0 1 7
30. 30G O L D M O N E Y I N C . I N V E S T O R P R E S E N T A T I O N J U N E 2 0 1 7
“Results include increased YoY investments in new
projects at the Goldmoney group level, including
technology development, physical branch locations,
Menē Inc., wealth service products, and other
platform products and features not yet contributing
revenue, and anticipated to grow client base and
generate higher unit margins.”
“Introduced a processing-type adjusted gold
spread in the last weeks of FY 2017 that will
reduce up to $3 million in annual net processing
fee cash costs as compared to FY 2016.”
Please visit our SEDAR profile to view the consolidated financial statements and MD&A.
“Bitcoin position of $2.1 million (at $1,083 USD
Bitcoin spot) at March 31, 2017.”
FROM 2017 YEAR END PRESS RELEASE
SelectedKeyFinancialInformation
Annualized Metal Sales & Revenue ($000s)
Non-IFRS Adjust Loss ($000s)
IFRS EPS
Non-IFRS Tangible Common Equity -- End
of Period (CAD$ million)
Client Assets on Platform End of Period
(CAD$ billion)
542,000
(2,055)
--0.07
58.8
1.86
505,600
(2,350)
--0.06
62.0
1.88
379,058
(5,413)
--0.14
59.9
1.64
138,352
(5,959)
--0.17
30.4
1.49
2H 2H1H 1H
FY 2017 FY 2016
31. G O L D M O N E Y I N C . I N V E S T O R P R E S E N T A T I O N J U N E 2 0 1 7 31
“As we close the books on our second year of operations, we’d like to further outline our long-term vision for the
Company now that a solid operating base and proof of concept has been established. We continue to position clients and
shareholders at the cross section of three global tailwinds: the mass digitization of money and connected global
commerce; the fragmentation of traditional wealth, banking, and payment relations with new technology; and global
real interest rates collapsing asymptotically to – and below – zero, eschewing an inevitable paradigm shift in global
monetary systems,” said Chief Strategy Officer & CFO Josh Crumb. “We have witnessed an increasing number of data
points that have validated our investment thesis over the past year: a market for cryptocurrencies that has progressed
from a scientific experiment to more than 100 billion dollars in market capitalization seemingly overnight; major digital
payment providers in China and India launching early-stage gold wallet products; banks and wealth managers
everywhere scrambling to innovate and retain clients; and a collective global insanity in experimental monetary policy
that has driven lending rates below zero for the first time in recorded human history, thus rendering unbacked fiat
currencies illogical and destined to lose market share to durable commodities for wealth preservation and transactions.
In this environment, the Company is investing in new client relationships, technology, and new business segments in
which we believe there is a fundamental competitive advantage by being the only financial institution running on a
tested and superior form of global commodity money. We have now proven that a large and growing market exists for
our services, and have started the process of investing in the next phases of our service for our clients.”
“Our trailing revenues and now stable operating profit base primarily reflect our growing market share in retail
precious metal savings, trading, and custodial services, areas in which we are already considered one of the world’s
preeminent non-bank platforms. While this will continue to be our core business line in the near future, we have also
invested in payment and transfer services that do not exist elsewhere in the market and thus have yet to drive
meaningful revenues as we slowly cultivate first-mover network effects,” said Crumb. “We are also approaching the
launch of the first stage of our physical branch strategy, and we’ve made small investments to prove out an ecosystem
model in which Goldmoney powers an underlying physical infrastructure and provides clients with other innovative
services. While these types of investments in innovation take time, we have also committed to be prudent with your
capital and have made steps in recent months to position shareholders for a period of investment from retained cash
flow. We thus position the Company for exposure to innovation and secular macro trends, but fund that tail option from
a stable and growing base, and we remain committed to a metal-weight accounted focus on long-term profit
maximization.”
32. 32
InvestorOverview
STOCK LISTING
Primary Exchange: TSX:XAU
SECONDARY LISTINGS
USA: XAUMF, Frankfurt: 9BT
TOTAL SHARES OUTSTANDING
69,260,000
INSIDER OWNERSHIP
~40% - Roy Sebag, Josh Crumb, Turk Family, Peter Schiff.
INSTITUTIONAL OWNERSHIP
Top 10 investors own additional ~40% - Friedberg
Mercantile Group, Capital Research, Wellington, Soros
Fund Management, Eric Sprott.
TANGIBLE COMMON EQUITY
~$58.8 million (cash, precious metals, cryptocurrencies,
real estate) or $.85 per share and no debt.
ALIGNMENT OF INTERESTS
Roy Sebag, Josh Crumb, Stefan Wieler, and James Turk
accept no cash compensation.
LATEST MARKET PRICE
$2.90 per share
MARKET VALUATION
$200 million
G O L D M O N E Y I N C . I N V E S T O R P R E S E N T A T I O N J U N E 2 0 1 7
33. INVESTOR RELATIONS
Jacquelyn Humphrey
ir@goldmoney.com
(647) 499-6748
InvestorRelationsContacts
ANALYST COVERAGE
GMP SECURITIES
Stephen Boland
sboland@gmpsecurities.com
MACKIE RESEARCH
Nikhil Thadani
nthadani@mackieresearch.com
CLARUS SECURITIES
Noel Atkinson
natkinson@clarussecurities.com