Monetary Metals
Monetary Metals operates the Gold Yield Marketplace, a fintech platform that lets gold and silver owners earn yield paid in physical metal through leases and bonds, while providing $5–50 million of non-dilutive, gold-denominated financing to miners, jewelers, refiners, and manufacturers worldwide.
- Company typePrivate
- Founded2016
- HeadquartersScottsdale, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingSoftware
What Monetary Metals does
Monetary Metals & Co. is a Scottsdale, Arizona-based fintech founded in 2016 by Keith Weiner that operates the Gold Yield Marketplace, a proprietary platform connecting owners of physical gold and silver with qualified businesses in the precious metals industry (miners, jewelers, refiners, and manufacturers). The platform enables two-sided marketplace activity: investors holding bullion can earn a yield denominated and paid in additional ounces of metal through Gold Leases (historically 2–5% annually, paid monthly) and Gold Bonds (yields of approximately 6–19% annually), while qualified borrowers gain access to non-dilutive, metal-denominated capital in the $5–50 million range to finance inventory, working capital, and production. The platform also provides free precious metals storage, which the company positions as eliminating the estimated ~0.50% annual storage cost typical of conventional vaulted gold.
Revenue is generated via spreads between lease rates paid by borrowers and yields paid to investors, plus origination, due diligence, and structuring fees on gold and silver bonds and larger project finance facilities. The company has completed 75 funded transactions across five continents with no reported defaults, and disclosed weighted-average annualized returns of 3.93% across active leases and 5.89% across leases plus bonds. Notable deal sizes include a US$25 million gold loan facility to Lake Victoria Gold for the Imwelo Gold Project in Tanzania and a US$2.52 million silver loan tranche to Bunker Hill Mining Corp.
Monetary Metals distributes through a self-serve client portal, an enterprise origination team targeting $5–50 million deals, and an expanding network of channel partners (OGold, botim, Goldstrom Group, Gullak, AgaOne, Streamex) extending the platform into the Middle East, India, Turkey, and tokenized real-world asset products. The company is privately held, has raised approximately $45+ million across multiple SEC Form D filings since 2014, and operates with a lean team of 11–50 employees plus a leadership bench that includes veterans from Credit Suisse, HSBC, Standard Bank, StoneX, J.P. Morgan, Microsoft, Brandes Investment Partners, the Mises Institute, and Cambridge Associates.
Monetary Metals firmographics
Firmographics- Name
- Monetary Metals
- Legal name
- Monetary Metals & Co.
- Website
- https://monetary-metals.com
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Monetary Metals operates the Gold Yield Marketplace, a fintech platform that lets gold and silver owners earn yield paid in physical metal through leases and bonds, while providing $5–50 million of non-dilutive, gold-denominated financing to miners, jewelers, refiners, and manufacturers worldwide.
- Ownership category
- akta.pro rank
Monetary Metals industry classification
Industry- Product category
- Precious Metals Financial Services
- NAICS
- Securities and Commodity Contracts Intermediation and Brokerage (5231)
- SIC
- Commodity Contracts Brokers & Dealers (6221), Security Brokers, Dealers & Flotation Companies (6211)
- akta.pro primary industry
- Precious Metals & Jewelry Collateral Loans (FSAKALAC)
- akta.pro secondary industries
- Precious Metals Bullion & Concentrates Trading (Gold, Silver, PGM) (IMAKAJAD), Precious Metals Trading, Marketing & Distribution (IMAKAEAH)
Keywords
Where Monetary Metals is headquartered
LocationHeadquarters
- HQ city
- Scottsdale
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Monetary Metals business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Others
Revenue model
- Gold and Silver Lease Origination: Monetary Metals earns revenue by originating gold and silver leases between investors (who hold metal) and qualified borrowers (jewelers, miners, refiners, manufacturers). The company takes a spread between the lease rate paid by the borrower and the yield paid to the investor. This is a recurring revenue model based on the volume of metal leased through the platform.
- Gold and Silver Bond Origination: Monetary Metals originates gold and silver-denominated bonds issued by gold-related businesses. The company handles origination, due diligence, and structuring, earning fees for arranging these longer-term fixed-income instruments with yields of 6–19% paid in metal.
- Gold Financing for Miners and Businesses: The company provides off-balance-sheet precious metals leases to finance inventory and work-in-progress, and gold/silver-denominated loans to fund production or business growth, targeting $5–50 million deals for precious metals businesses.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Monthly | Gold Lease — 2–5% annually, paid monthly in additional gold ounces |
| Unit Pricing | Monthly | Gold Bond — approximately 6–19% annually, paid in gold ounces |
| Subscription | Monthly | Free Storage — zero storage cost for metal held on platform |
Go-to-market motion4 records
Distribution channels4 records
Marketing channels6 records
Monetary Metals product offering
Product offeringCore offering
Monetary Metals operates the Gold Yield Marketplace, a proprietary fintech platform that connects gold and silver holders with vetted businesses in the precious metals industry (miners, jewelers, refiners, manufacturers) to originate gold- and silver-denominated leases and bonds. Investors earn yield paid in physical metal ounces (2–5% on leases, 6–19% on bonds), while businesses access non-dilutive gold-denominated capital of $5M–$50M.
Product overview
Monetary Metals operates as a unified platform offering gold and silver yield products through its Gold Yield Marketplace. The core offerings consist of Gold Leases and Gold Bonds, which enable investors to earn returns paid in physical gold or silver rather than fiat currency. Gold Financing provides capital to qualified precious metals businesses. The platform connects gold and silver holders seeking yield with vetted businesses including miners, jewelers, refiners, and manufacturers that need capital, all structured with metal-denominated payments.
Differentiator
Problem solved
Functional benefit
Brands
- Gold Yield Marketplace®: The company's proprietary platform that matches investors holding precious metals with qualified businesses seeking capital, enabling gold and silver leases and bonds.
Products and services
- Gold Leases Investment product allowing accredited investors to lend physical gold or silver to qualified companies (miners, jewelers, refiners, manufacturers), historically earning 2–5% per year paid monthly in additional metal ounces, with no storage or insurance fees and retained title.
- Gold Bonds Fixed-income securities where face value, interest, and principal are denominated and paid in ounces of gold or silver. Issued by gold-related businesses (miners, refiners, depositories) with yields typically ranging from about 6% up to 19% per year, paid in metal.
- Gold Financing Capital solutions for precious metals businesses seeking $5M–$50M, including off-balance-sheet precious metals leases for inventory and work-in-progress, and gold- or silver-denominated loans to fund production or business growth.
- Gold Yield Marketplace Proprietary fintech marketplace platform that matches investors holding gold and silver with vetted businesses in the precious metals industry, handling origination, due diligence, structuring, and settlement of gold- and silver-denominated leases and bonds.
Quantifiable outcome
- Zero defaults across 75+ funded transactions on the platform
- +3 more outcomes
Companies that use Monetary Metals
Customer profileNamed customers6 records
Segments8 records
Ideal customer profiles5 records
Monetary Metals technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Monetary Metals partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and flagship.
- Burson BuchanancoreMonetary Metals appointed Burson Buchanan as its global public relations partner to support its next phase of growth and international expansion. Burson Buchanan, a London-based strategic communications advisory firm and part of Burson (6,000 employees in 43 markets), will leverage its global network to broaden awareness of Monetary Metals' gold and silver yield products and reach new institutional investors and global partners.
- Streamex Corp.coreStreamex Corp. (NASDAQ: STEX) launched GLDY, a gold-backed tokenized security offering 1:1 physical gold exposure with up to 4% annualized yield paid monthly, with yield generated through gold leasing arrangements with Monetary Metals. The partnership enables investors to earn yield on gold through a tokenized product, with indications of interest exceeding US$100 million.
- OGoldflagshipOGold, a Dubai-based digital platform for fractional precious metals ownership, launched Silver Wakalah Earnings in partnership with Monetary Metals — the first Shariah-compliant Wakalah-based earnings solution for silver investments in the Middle East, enabling customers to earn returns of up to 5% through a professionally managed and Shariah-compliant structure. The partnership builds on OGold's existing gold investment product.
- GullakcoreMonetary Metals announced a strategic partnership with Gullak, an Indian digital gold platform, to offer gold yield to Indian investors. The collaboration enables Gullak's users to access gold yield through Monetary Metals' platform and expands Monetary Metals' gold leasing operations into India.
- AgaOnecoreMonetary Metals and AgaOne signed a partnership agreement to distribute gold yield products in Turkey, aiming to unlock demand for gold investments in the Turkish market. The partnership involves local gold logistics support from AgaOne and provision of fixed income gold products by Monetary Metals, with an implementation target by Q2 2026.
- Goldstrom GroupcoreGoldstrom Group announced a strategic partnership with Monetary Metals to offer gold lease financing solutions to jewelry clients in the Gulf Cooperation Council (GCC) region. The partnership addresses the region's substantial gold lease demand, estimated at $5.2 billion, as part of Goldstrom's broader focus on advancing gold-based financial services in the Gulf jewelry market.
- Honey Badger Silver Inc.coreHoney Badger Silver Inc. entered into a strategic partnership with Monetary Metals to deploy silver earned from its royalty and streaming portfolio into Monetary Metals' silver lease and bond programs, earning additional yield in physical silver. Through this collaboration, Honey Badger becomes an active participant in Monetary Metals' gold and silver yield marketplace, compounding its silver exposure.
- botimflagshipMonetary Metals' Gold Yield Marketplace is distributed through botim, a Dubai-based 'super app' with over 180 million users, as part of its distribution strategy to expand gold yield product access to a large consumer user base in the UAE and broader Middle East region.
Scale indicators7 records
Recent moves6 records
Expansion highlights6 records
Monetary Metals competitors and assessment
Company assessmentDirect peers
- Kinesis Money: Operates a gold- and silver-backed digital currency that pays yields to holders, directly comparable to Monetary Metals' gold yield paid in metal — same product category, same target audience of precious metals owners seeking yield.
- Goldmoney: Provides gold and silver storage and ownership via allocated accounts, serving retail and institutional clients seeking exposure to physical precious metals — closely comparable client base and offering set, with some overlap in yield/financing adjacencies.
- Glint Pay: Enables payments and savings in gold via a digital platform, comparable to Monetary Metals' mission of making gold a productive transactional asset; specifically referenced in Monetary Metals' team background, indicating direct industry overlap.
- BullionVault: Online marketplace for buying, selling, and storing physical gold, silver, platinum, and palladium — directly comparable precious-metals ownership platform serving individual investors with vaulting infrastructure.
Emerging players
- OneGold: Digital gold and silver platform backed by major industry players (Royal Mint, IGM, GS Group), offering allocated precious metals ownership — comparable in serving retail investors seeking yield-bearing gold exposure.
- Hard Assets Alliance: Multi-dealer precious metals marketplace offering vaulting and storage solutions, comparable marketplace model for retail and HNW investors seeking direct gold ownership.
Broad incumbents
- Perth Mint: Government-backed precious metals mint offering gold storage, investment products, and dealer services — a broad incumbent in precious-metals storage with overlapping capabilities for retail and institutional clients.
- APMEX: One of the largest online precious metals retailers in the US, offering gold, silver, platinum, and palladium products — comparable client overlap with Monetary Metals' investor base, though focused on transactional sales rather than yield generation.
Regional players
- Augmont Gold: Indian digital gold platform enabling buying, selling, and gifting of gold, comparable to Gullak — regional competitor relevant to Monetary Metals' India expansion strategy via its Gullak partnership.
Others
- Matterhorn Asset Management: Swiss-based firm specializing in physical gold storage outside the banking system — adjacent ecosystem participant, with direct relevance as an advisor-affiliated entity (Ronald Stöferle is a Monetary Metals advisor).
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Monetary Metals social profiles
Digital presenceMonetary Metals financial estimates
Financial estimateRevenue estimate
Valuation estimate
Monetary Metals leadership team
Management profileNumber of profiles
Profiles17 records
Monetary Metals funding detail
Funding detailFunding overview
Funding rounds12 records
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Monetary Metals M&A and investment
M&A and investmentM&A1 record
Investments5 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Monetary Metals
What does Monetary Metals do?
Monetary Metals operates the Gold Yield Marketplace, a proprietary fintech platform that connects gold and silver holders with vetted businesses in the precious metals industry (miners, jewelers, refiners, manufacturers) to originate gold- and silver-denominated leases and bonds. Investors earn yield paid in physical metal ounces (2–5% on leases, 6–19% on bonds), while businesses access non-dilutive gold-denominated capital of $5M–$50M.
Is Monetary Metals a public or private company?
Monetary Metals is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Monetary Metals founded?
Monetary Metals was founded in 2016. It employs 11 to 50 people.
Where is Monetary Metals based?
Monetary Metals is headquartered in Scottsdale, United States, in the North America region.
How does Monetary Metals make money?
Three revenue lines are on record. Gold and Silver Lease Origination is the primary driver. The others are gold and Silver Bond Origination and gold Financing for Miners and Businesses.
Who are Monetary Metals's main competitors?
Direct peers on record are Kinesis Money, Goldmoney, Glint Pay and BullionVault. Emerging players are OneGold and Hard Assets Alliance. Broad incumbents are Perth Mint and APMEX. Augmont Gold is listed as a regional player. Matterhorn Asset Management is listed as an others.
Does Monetary Metals have an API?
No public API is recorded for Monetary Metals.
What industry is Monetary Metals in?
Monetary Metals's product category is Precious Metals Financial Services. Its primary akta.pro industry code is FSAKALAC, Precious Metals & Jewelry Collateral Loans, with a secondary code of IMAKAJAD, Precious Metals Bullion & Concentrates Trading (Gold, Silver, PGM). Its NAICS code is 5231 and its SIC code is 6221.