What STEP Finance does

STEP Finance, a.s. is a privately held Czech precious metals dealer founded in 2008 and headquartered at Bolzanova 1615/1, Prague 1. The company sells physical investment-grade gold, silver, and platinum bars and coins to retail investors, business treasury buyers, and numismatic collectors, offering a catalog of roughly 459 SKUs sourced from tier-one global refiners including Argor-Heraeus, Perth Mint, Valcambi, PAMP, Royal Canadian Mint, The Royal Mint, Münze Österreich, and the US Mint. Operations are conducted through a combination of an e-commerce storefront with EUR/CZK pricing and EU shipping, and a physical showroom in central Prague for in-person consultations and pickup, supported by a rule-based price alert service ('Hlídací pes') and a 100% buyback guarantee on all products sold. Revenue is generated through unit-priced markup over spot commodity prices on one-time bullion and numismatic purchases, plus an emerging jewelry line, with no subscription or recurring component; the business benefits from VAT exemption on investment gold and silver under §92 of Czech law 235/2004. The company operates with 1–10 employees, has no disclosed funding rounds or institutional investors, and is independently owned. (Note: A separate, unrelated Solana-based DeFi entity also called Step Finance suffered a ~$40M treasury hack in January 2026 and announced wind-down; this is distinct from the Czech precious metals firm described here.)

Name

STEP Finance

Legal name

STEP Finance, a.s.

Website

https://stepfinance.cz

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

1–10 employees

Short description

STEP Finance is a privately held Czech precious metals dealer, founded in 2008 in Prague, selling physical gold, silver, and platinum bars and coins sourced from global mints to retail investors, businesses, and numismatic collectors via e-commerce and a Prague showroom.

Ownership category

akta.pro rank

Headquarters

HQ city

Praha

HQ country

Czechia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Supply Chain, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Precious Metals Sales: Revenue generated from the sale of physical gold, silver, platinum bars and coins. Products are sold at marked-up prices above spot commodity prices, with margins varying by product weight and type. The company also provides buyback services at competitive rates.
2. Numismatic Products: Sale of limited edition and collector-oriented coins and commemorative pieces, often commanding premium prices over their metal value due to rarity and artistic design.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

STEP Finance is a Czech precious metals dealer selling physical investment-grade gold, silver, and platinum bars and coins sourced from global mints (Argor-Heraeus, Perth Mint, Valcambi, PAMP, Royal Canadian Mint, The Royal Mint, Münze Österreich, US Mint). The company offers a guaranteed buyback program, an e-commerce storefront with live spot pricing, a free price-alert service, and a physical showroom in Prague for consultation and immediate pickup.

Product overview

STEP Finance operates as a Czech precious metals investment company offering a comprehensive portfolio of investment-grade bullion products. The core offerings include investment gold, silver, and platinum bars and coins from internationally recognized manufacturers (Argor-Heraeus, Perth Mint, Valcambi, PAMP, Royal Canadian Mint, The Royal Mint). The company also offers a numismatic collection division featuring commemorative and proof coins, along with storage accessories and educational materials. Key services include guaranteed buyback, price monitoring alerts, and expert consultation. The product range spans from small fractional bars (0.5g) to large institutional sizes (1kg+), with themed series like Lunar Series III and Dragon bullion for both gold and silver.

Differentiator

Problem solved

Functional benefit

Products and services

• Investment Gold (Investiční zlato) Investment gold bars and coins in various weights (0.5g to 1kg) sourced from manufacturers including Argor-Heraeus, Perth Mint, Valcambi, PAMP, Heraeus, and Münze Österreich. Includes CombiBar products and themed bullion bars (Lunar Series III, Dragon, Rabbit, Tiger, Ox). Targeted at individual investors and collectors seeking tangible gold assets.
• Investment Silver (Investiční stříbro) Investment silver bars and coins in weights ranging from 1oz to 10kg, sourced from Perth Mint, Argor-Heraeus, Scottsdale, PAMP, and Valcambi. Includes Lunar Series, Britannia, Queen's Beasts, and Dragon rectangular bullion coins. For individual investors and collectors seeking physical silver.
• Investment Platinum (Investiční platina) Investment platinum bars and coins from Valcambi, PAMP, and the Royal Canadian Mint (Maple Leaf). Smaller product line (~4 platinum SKUs) for individual investors seeking platinum exposure.
• Numismatics (Numismatika) Collectible and commemorative coins including modern numismatic pieces, proof coins, colored coins, and special edition series such as Musical Legends, Lunar Series, Czech/Slovak coins, and themed gift collections (birth, wedding, birthday). Premium-priced beyond metal value due to rarity and artistic design; targets collectors and gift buyers.
• Jewelry (Šperky) Precious-metal jewelry line including earrings (Náušnice), pendants (Přívěsky), rings (Prsteny), necklaces (Náhrdelníky), and bracelets (Náramky). Sold through the e-commerce storefront to consumers seeking gold and silver jewelry items.
• Coin Cases, Capsules, and Books (Etuje, kapsle, knihy) Storage and presentation accessories for coin and bar collectors, including coin capsules, collector cases, albums, display boxes, and educational books on precious metals investing.
• Buyback Service (Výkup) 100% guaranteed buyback service for all products previously purchased from the company, with immediate payment options and contractual guarantees for customer liquidity. Includes dedicated gold buyback (Výkup zlata) and silver buyback (Výkup stříbra).

Quantifiable outcome

• All products sold come with 100% buyback guarantee, ensuring customer liquidity
• +1 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Ten partnerships are on record, tiered minor, core and major.

• Česká pošta (Czech Post)minorOthers · 1 January 2015Primary delivery partner for shipping products to customers. Czech Post provides tracked and insured delivery services throughout Czech Republic.
• Heureka.czminorGTM or Marketing Partner · 1 January 2015Czech e-commerce review platform where STEP Finance displays customer ratings and reviews, building trust and credibility with prospective customers.
• Argor-HeraeuscoreTechnology or Integration · 1 January 2008Primary supplier of gold and silver bars. Argor-Heraeus is a Swiss precious metals refiner, one of the world's leading producers of investment gold and silver bars. STEP Finance offers their full range from 1g to 1kg bars.
• The Perth MintcoreTechnology or Integration · 1 January 2008Supplier of Australian gold and silver coins and bars. Perth Mint is renowned for high-quality Australian Lunar Series coins and Kangaroo bullion coins.
• ValcambicoreTechnology or Integration · 1 January 2008Swiss refiner supplying CombiBar products and various gold and silver bars. Known for innovative CombiBar technology allowing division into smaller units.
• PAMP (Produits Artistiques Métaux Précieux)coreTechnology or Integration · 1 January 2008Swiss precious metals manufacturer supplying gold and silver bars including their popular Lady Fortuna and Kinebar series.
• Royal Canadian MintmajorTechnology or Integration · 1 January 2008Supplier of Canadian Maple Leaf gold and silver coins, among the world's most recognized bullion coins.
• The Royal MintmajorTechnology or Integration · 1 January 2008UK Royal Mint supplying Britannia coins and Queen's Beasts series. One of the oldest mints in the world.
• Münze ÖsterreichmajorTechnology or Integration · 1 January 2008Austrian mint supplying Wiener Philharmoniker gold and silver coins, highly popular in European markets.
• United States MintmajorTechnology or Integration · 1 January 2008Official mint of the United States supplying American Eagle gold and silver coins.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Emerging players

• BullionVault: Online platform for buying, selling, and storing allocated physical gold, silver, and platinum; competes for the same wealth-preservation use cases but operates a digital custody model rather than shipping metal to retail buyers.
• GoldMoney: Digital precious metals platform offering allocated physical gold, silver, and platinum storage and trading; comparable customer segment (retail wealth preservation) but a different delivery model with no physical showroom.

Regional players

• Goldenstein Edelmetalle: German/Austrian precious metals dealer focused on gold and silver investment products with showrooms; comparable product range and buyback service but primarily serves DACH markets rather than the Czech Republic.
• Aurum Austria: Austrian precious metals retailer with online ordering and physical showroom; overlaps with STEP Finance on Wiener Philharmoniker and other European mint products, but serves primarily the Austrian retail market.
• JM Bullion: Large US-based online precious metals retailer selling gold, silver, platinum bars and coins with buyback; comparable product range and digital GTM but focused on the North American market rather than Central Europe.
• Pro Aurum: German precious metals specialist with online and physical retail channels offering investment bullion and numismatics; comparable product breadth and buyback approach but geographically focused on Germany rather than Czech/EU retail.

Direct peers

• Coininvest: European online bullion and numismatic coin retailer shipping gold, silver, and platinum products across the EU; directly comparable e-commerce model, supplier mix (LBMA mints), and VAT-aware pricing for the European retail market.
• Degussa Goldhandel: German precious metals dealer with physical showrooms and online sales of investment gold, silver, platinum and palladium bars and coins; comparable hybrid showroom-plus-ecommerce model with buyback services targeting European retail investors.
• Zlaté mince (Golden Statues Group / Zlato.cz): Czech online precious metals dealer offering investment gold, silver, and platinum coins and bars to retail and corporate buyers; closest direct competitor to STEP Finance in the Czech market with overlapping supplier base and e-commerce model.

Broad incumbents

• Česká mincovna (Czech Mint): State-affiliated Czech Mint producing and distributing investment and commemorative coins domestically; overlaps with STEP Finance on numismatic gold/silver product lines and serves the same Czech retail buyer base.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/stepfinance
• LinkedInlinkedin.com/company/stepfinance

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about STEP Finance