Precious Metals

Keep Alternative Asset Investing Inside Your Institution

Offer your account holders direct access to physical gold, silver, and platinum through a regulated, institution-grade precious metals investing experience, strengthening portfolio diversification while keeping assets and engagement within your institution.

Your partner in digital wealth management

What Your Account Holders Can Do

Unifimoney’s Precious Metals solution enables account holders to diversify beyond traditional financial assets with direct ownership of physical metals.

Trade Precious Metals with Liquidity

Buy and sell gold, silver, and platinum with transparent pricing and continuous liquidity, allowing account holders to buy or sell through the platform, subject to market conditions.

Direct Allocated Ownership

Hold allocated physical metals in the investor’s name rather than derivatives or pooled structures, providing clarity, transparency, and true asset ownership.

Secure Custody with Optional Physical Delivery

Store metals in insured, third-party vault facilities with independent verification, and convert vaulted holdings into coins or bars for direct shipment when desired.

Diversification Through Tangible Assets

Incorporate precious metals into investment portfolios, often used by some investors as a potential hedge against inflation and market volatility.

Own the Full Financial Journey

Expand Portfolio Diversification: Offer an alternative asset class that complements traditional investing and strengthens financial wellness.
Retain Assets and Investment Activity: Keep precious metals investing within your institution instead of losing balances to third-party dealers.
Attract Risk-Aware and Long-Term Investors: Appeal to account holders seeking stability, inflation protection, and tangible value.
Generate New Non-Interest Revenue Streams: Add revenue through metals investing without building specialized infrastructure.

How It Works

1

Purchase the amount of precious metals you want (min. $5)

2

Choose how you want to hold it, you can:

  1. Store it securely in an insured vault (there is a fee for this min $1 per month see fee schedule for details) or
  2. Take delivery
3

For delivery - depending on how much you hold you will have different options on how you receive your metals e.g. bar, coin etc.

4

You can see some of the most popular examples below

5

To take delivery of your holdings click on the green Delivery button on the Metals page in the app

Actual assets being delivered

Fractional Gold

Backed By:
Gold bar (1kg)
Gold bar (10oz)
Gold Austrian Philharmonic Coin (1oz)
Gold American Buffalo Coin (1oz)

Fractional Silver

Backed By:
Silver American Eagle Coin (1oz)
Silver Canadian Maple Leaf Coin (1oz)
Silver 100oz
Silver 1oz Round

Fractional Platinum

Backed By:
Platinum 1oz

Investments in securities through the Unifimoney Tech QOZB, LLC and Unifimoney RIA QOZB, LLC account are:
Not FDIC Insured | May Lose Value | No Bank Guarantee

Frequently asked user questions

Do customers own precious metals directly?

How are precious metals stored?

How are precious metals priced?

Can customers take physical delivery?

Stay up to date on unifimoney news and product updates

© Unifimoney 2025 -- All rights reserved.

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Privacy PolicyTerms of ServiceUnifimoney RIA QOZB, LLC DisclosuresUnifimoney RIA QOZB, LLC Form CRSLegal LibraryAccessibility StatementSOC2 Compliance

All investing involves risk, including the possible loss of money you invest, and past performance does not guarantee future performance. Please see our Legal Library for important details.

Investment advisory services are provided by Unifimoney RIA QOZB, LLC, an SEC-registered investment advisor. For important information and disclosures relating to the robo-investment account, visit https://www.unifimoney.com/legal.

Free and simple tools are available to research firms and financial professionals at https://adviserinfo.sec.gov/ or INVESTOR.GOV/CRS, which also provides educational materials about broker-dealers, investment advisors, and investing.

‍Bank Products: Unifimoney is not a bank. The Cash Account is provided by First Fidelity Bank (FFB) www.ffb.com member FDIC. The cash balance in the Cash Account may earn a variable rate of interest and is eligible for FDIC insurance. FDIC insurance coverage is limited to $250,000 per qualified customer account per banking institution. For more information on FDIC insurance coverage, please visit www.FDIC.gov. Cash deposits are not covered by SIPC.

Brokerage account services are offered through Apex Clearing and Custody, Inc. ("Apex"), a registered broker dealer, member of FINRA and SIPC. Your cash and investments are protected by SIPC up to $500,000, with a limit of $250,000 for cash. Deposits at Apex are NOT deposits or other obligations of and are NOT guaranteed by First Fidelity Bank. Not FDIC insured-May lose value.

Digital Asset Products: Investing in digital assets involves risk, including risk of loss. Digital assets are highly volatile, can become illiquid at any time, and is for investors with a high-risk tolerance. Investors in digital assets could lose the entire value of their investment. Custody and trading of digital assets are provided by Gemini Trust Company, a New York State-chartered limited liability trust company. Digital assets are not insured by the Federal Deposit Insurance Corporation or the Securities Investor Protection Corporation (“SIPC”)." and is NOT a deposit or other obligation of FFB Bank

Precious Metal Products: Precious Metal trading is offered through GBI, a New-York-based precious metals dealer. Deposits at GBI are NOT deposits or other obligations of and are NOT guaranteed by First Fidelity Bank NOT FDIC insured.

The articles and research support materials available on this site are educational and are not intended to be investment or tax advice. Unifimoney does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to Unifimoney's web site or incorporated herein, and takes no responsibility therefor. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

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• You must be a Shop Your Way member to be eligible for this promotion. Membership is free. Sign up here.
• Must be a new Unifimoney customer and pass KYC (verification) processes for all partners to be issued an account.
• Existing Unifimoney customers are not eligible at this time.
• You must fund your account using Astra and/or P2P transfer.
• Users must hold at least $100 initial funding, at least $100 in crypto, at least $100 in metals, and at least $100 in equities in their account for more than 60 days.
• All missions must be completed within 30 days after account registration and before the offer expires.


**Terms and Conditions of the Shop Your Way Missions Promo. Offer only available to users who have previously created an account with Shop Your Way. Offer only available to US residents (excluding residents of Hawaii). Limited time offer. Promotion begins on PLACEHOLDER and may end any time at the discretion of Unifimoney. Offer not available to new users who were not referred to Unifimoney through the Shop Your Way referral program. Offer not available if a Unifimoney account was previously opened using the same(or different) contact information. Limitations exist on max payout per user at the discretion of Unifimoney. Rewards will be recognized on a mission-by-mission completion basis. First Mission must be completed before an account is credited with a reward. Eligible customers must complete all missions in order to receive the max reward. Max payout requires the opening of an account,  funding of said account, and completion of all Missions set forth by Unifimoney Inc. before the end of the promotional period. The promotional period is determined at the sole discretion of Unifimoney. Unifimoney may update the terms and conditions for eligibility at any time. Rewards distribution will be in Gemini dollars (GUSD) and credited, if applicable, to your Unifimoney cryptocurrency account and is tradable only within the Unifimoney app. Reward recipients are able to convert GUSD to BTC immediately. Conversion of GUSD to Cash may take two or more days to reflect. No refunds are available. Users may contact Unifimoney at appsupport@unifi.money with further questions.
‍

• You must be a Shop Your Way member to be eligible for this promotion. Membership is free. Sign up here.
• Must be a new Unifimoney customer and pass KYC (verification) processes for all partners to be issued an account.
• Existing Unifimoney customers are not eligible at this time.
• You must fund your account using Astra and/or P2P transfer.
• Users must hold at least $100 initial funding, at least $100 in crypto, at least $100 in metals, and at least $100 in equities in their account for more than 60 days.
• All missions must be completed within 30 days after account registration and before the offer expires.


**Terms and Conditions of the Shop Your Way Missions Promo. Offer only available to users who have previously created an account with Shop Your Way. Offer only available to US residents (excluding residents of Hawaii). Limited time offer. Promotion begins on PLACEHOLDER and may end any time at the discretion of Unifimoney. Offer not available to new users who were not referred to Unifimoney through the Shop Your Way referral program. Offer not available if a Unifimoney account was previously opened using the same(or different) contact information. Limitations exist on max payout per user at the discretion of Unifimoney. Rewards will be recognized on a mission-by-mission completion basis. First Mission must be completed before an account is credited with a reward. Eligible customers must complete all missions in order to receive the max reward. Max payout requires the opening of an account,  funding of said account, and completion of all Missions set forth by Unifimoney Inc. before the end of the promotional period. The promotional period is determined at the sole discretion of Unifimoney. Unifimoney may update the terms and conditions for eligibility at any time. Rewards distribution will be in Gemini dollars (GUSD) and credited, if applicable, to your Unifimoney cryptocurrency account and is tradable only within the Unifimoney app. Reward recipients are able to convert GUSD to BTC immediately. Conversion of GUSD to Cash may take two or more days to reflect. No refunds are available. Users may contact Unifimoney at appsupport@unifi.money with further questions.
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