Monetary Metals

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.

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

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 industry

PRIMARYFSAKALAC

Precious Metals & Jewelry Collateral Loans

Financial & Insurance/Lending & Consumer Finance/Pawn Loans & Collateral-Based Consumer Lending

SECONDARYIMAKAJAD

Precious Metals Bullion & Concentrates Trading (Gold, Silver, PGM)

Industrials, Manufacturing & Construction/Metals & Mining/Metal & Mineral Trading, Marketing & Distribution

SECONDARYIMAKAEAH

Precious Metals Trading, Marketing & Distribution

Industrials, Manufacturing & Construction/Metals & Mining/Precious Metals Mining & Refining (Gold, Silver, Platinum Group)

Keywords

• Gold yield marketplace
• Precious metals lending
• Gold-denominated financing
• Gold lease and bond
• Precious metals investment

Headquarters

HQ city

Scottsdale

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. 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.
2. 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.
3. 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

Go-to-market motion4 records

Distribution channels4 records

Marketing channels6 records

Core 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

Named customers6 records

Segments8 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Eight partnerships are on record, tiered core and flagship.

• Burson BuchanancoreGTM or Marketing Partner · 6 May 2026Monetary 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.coreStrategic or Co-development Partner · 25 February 2026Streamex 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.
• OGoldflagshipStrategic or Co-development Partner · 20 February 2026OGold, 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.
• GullakcoreChannel Partner/ Reseller/ Distributor · 24 November 2025Monetary 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.
• AgaOnecoreChannel Partner/ Reseller/ Distributor · 19 November 2025Monetary 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 GroupcoreChannel Partner/ Reseller/ Distributor · 24 October 2025Goldstrom 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.coreStrategic or Co-development Partner · 14 October 2025Honey 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.
• botimflagshipChannel Partner/ Reseller/ Distributor · 26 September 2025Monetary 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

Direct 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

• LinkedInlinkedin.com/company/monetary-metals
• Xx.com/Monetary_Metals

Revenue estimate

Valuation estimate

Number of profiles

Profiles17 records

Funding overview

Funding rounds12 records

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments5 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Monetary Metals