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Your Metals Should Be Working For You
Gold Moola is not just a place to buy precious metals. It is a platform that puts your holdings to work, earning you monthly income or unlocking instant cash without you ever needing to sell.
8.40%
Current Annual Yield (APY)
$240M+
Assets Under Management
12,400+
Active Investors
0%
Historical Loss Rate
Purchase precious metals at live spot prices
Start by buying gold, silver, palladium, or platinum on the Gold Moola platform. All metals are authenticated, certified, and purchased at live market spot prices - the same price institutional traders pay.
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Four metals available: Gold (XAU), Silver (XAG), Palladium (XPD), Platinum (XPT)
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Buy as little as 0.1 oz - no large minimums required to get started
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All products authenticated and certified by accredited refiners and mints
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Already own metals? Ship them directly to our vault partner
Live Market Prices
Updated live
Gold XAU
+0.84%
Silver XAG
+0.84%
Palladium XPD
+0.84%
Platinum XPT
+0.84%
Secured in fully insured, class-III vaults
Once purchased, your metals are immediately deposited into a high-security, class-III insured vault managed by our global custody partners. Your assets are fully covered by Lloyds of London and audited monthly.
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Stored in Delaware Depository or Brinks - class-III high security facilities
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100% insured against theft, damage, and loss by leading insurers
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Segregated storage - your metals are never pooled with others
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Legal title stays with you 100% of the time
Your Vault Holdings
Active · Insured
|
$246,711 | |
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$188,253 | |
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$42,789 | |
|
$53,105 | |
|
|
$28,440 |
Total Portfolio Value
$559,298
Eligible to Borrow (75%)
$419,474
100% Insured · Audited Monthly · Segregated Storage · Legal Title: Yours
Now Decide How Your Metals Work For You
Once your metals are vaulted, you have two powerful options. You can earn monthly income or unlock instant cash liquidity. You can do both at different times.
Lend & Earn
Deposit your vaulted metals into our earn program. Gold Moola borrows against your holdings and invests in real estate private credit. The yield flows back to you every month.
- Earn 8.40% APY paid monthly, not annually
- Backed by real estate private credit - not stocks, not crypto
- No lock-in period - withdraw your metals anytime
- Your metals remain insured throughout
8.40%
Current APYMonthly
PaymentNone
Lock-In
Borrow Against Holdings
Use your vaulted metals as collateral to receive a cash loan directly to your bank account. No credit check, no credit score impact - just collateral-backed liquidity.
- Borrow up to 75% of your metal holdings value
- Competitive rates from 5.90% per annum
- No credit checks — eligibility based on collateral only
- Flexible terms 3 to 24 months
75%
Max LTV5.90%
From P.A.48h
Funds ReceivedGold Moola Invests In Real Estate Private Credit
When you enroll in the earn program, Gold Moola borrows against your vaulted metals from institutional lenders at competitive rates. That capital is then deployed into carefully selected real estate private credit positions.
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Private credit loans against real property - residential, commercial, and multifamily
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Loan-to-value ratios of 65–75% - conservative underwriting with strong collateral coverage
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All notes are first or second lien, asset-backed, and independently assessed
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You can view active real estate investments your holdings fund, directly in your dashboard
Your Funded Real Estate Investments
Capital from your vault holdings
123 Aspen Way, Denve...
12 mo · 65% LTV
8.4%
APY
456 Pine St, Seattle...
18 mo · 55% LTV
7.8%
APY
Weighted avg. note yield
8.1% APY across 2 notesYou Receive Monthly Income Every Single Month
The yield generated from real estate private credit flows back to you as a monthly payment, deposited directly into your Gold Moola account. No waiting. No quarterly settlements. Every month, on the 1st.
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Current APY of 8.40% - one of the most competitive yields for metal-backed investments.
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Payments arrive on the 1st of every month, direct to your account
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No lock-in - request an exit anytime, with metals released within 5 business days.
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Your metals still belong to you and continue to appreciate - you earn yield on top
$3,915
Monthly income$46,981
Annual estimateNone
Lock-in periodUse Your Vaulted Metals As Collateral For A Cash Loan
Your metals in the vault have real, quantifiable value. Instead of selling them to access liquidity - which means losing your position - Gold Moola lets you borrow against them. You keep your metals, and get cash.
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Borrow up to 75% of the current market value of your vaulted holdings
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No credit check required — eligibility is entirely collateral-based
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Cash deposited directly to your bank account within 48 hours of approval
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Flexible terms: choose from 3 to 60 month loan duration
Loan Calculator
$75,000
You Can Borrow
5.90%
Interest P.A.
$1,082
Est. Monthly
No Credit Check
Collateral only
48h Funding
Direct to bank
Your Precious Metals are Protected By Real Estate
Short term mortgage note is a promissory note (a legal document) collateralized by real property in which an experienced real estate investor promises to repay a debt. The real estate investors lowers the risk of the mortgage note holder (Lender) by putting cash or equity in the deal which represents the value of the property minus the amount of the mortgage note. This is also know as Loan To Value (LTV). In the very rare case of default, the equity protects the lender from a drop in market value or allows the lender to foreclose and sell the property below its actual market value while also satisfying the debt.
Our Storage Partners
Gold Moola partners with the leading and most trusted custody facilities in the precious metals business. Stored in 100% fully insured facilities for your peace of mind.
In addition, vaulted storage gives you the maximum amount of liquidity and the ability to buy and sell your precious metals instantly.
Frequently asked questions
Everything you need to know about buying, storing, and borrowing on Gold Moola.