Phase 2 — In Development

The Gold
Exchange

A planned second phase for GoldPool: tokenised gold holdings that can be bought, sold, and transferred continuously — turning a fixed-term pool position into a liquid asset.

Not Currently Available
The Gold Exchange described on this page is a Phase 2 concept and is not live. No exchange, trading, or tokenised instrument is offered by GoldPool today, and nothing here constitutes an offer. GoldPool's live product is pooled gold procurement investment — see Pool Explorer. Launch of the Exchange is conditional on obtaining a legal classification opinion under VASP Act 1154 (2025), which remains unresolved. Timelines shown on the Roadmap are indicative only.

From a fixed position
to a liquid one

Today, investing in a GoldPool pool means committing capital for the pool's term. Your money funds a specific parcel of GoldBod-licensed ASM gold, and returns are realised when that gold is assayed, smelted, and resold. It works — but your capital is not accessible until the pool completes.

The Exchange would change that. Each investor's gold holding would be represented as a token backed 1:1 by audited vault reserves. Rather than waiting for a pool to close, a holder could sell part of a position at any time to another participant, at a transparent price referenced to the XAU/USD spot rate.

The gold itself does not move. What changes is who owns it — and how quickly that ownership can transfer. Fractional units would also lower the entry point below the current $50 tier, since a buyer would no longer need to fund a whole pool allocation.

Pools today,
Exchange tomorrow

Both models are backed by the same physical gold and the same GoldBod-licensed procurement chain. The difference is liquidity and how the platform earns.

  Pool Investment — Live Today Gold Exchange — Phase 2
Entry point $50 Entry · $500 Standard · $5,000 Premium tiers Fractional — sub-$50 units, priced per gram
Liquidity Capital committed until the pool completes its cycle Continuous — sell part of a holding at any time
Pricing Return realised at resale, after assay and smelting Continuous mark-to-market against XAU/USD spot
What you hold A share of a specific, identified pool A transferable token backed 1:1 by vault reserves
Platform earns 2% platform fee · $12/month vaulting Transaction fee · bid-ask spread · custody fee
Regulatory basis SEC Crowdfunding Guidelines 2024 · GoldBod Act 1140 Requires VASP Act 1154 classification — unresolved
Status Operating Concept — not offered

How it would work

Five steps, from deposit to withdrawal. The sandbox at the end of this page lets you run the whole sequence with simulated funds.

01
Deposit
Fund the account in USD, GBP, or GHS after KYC verification under AML Act 1044.
02
Tokenise
Funds convert to gold units at spot. Each unit is backed 1:1 by assayed vault gold.
03
Hold or Trade
Keep the position for price exposure, or sell any fraction into the order book.
04
Settle
Trades settle against the Hyperledger Fabric ledger with a verifiable transaction record.
05
Withdraw
Cash out to mobile money or bank, or redeem units for physical gold delivery.

How GoldPool earns

Stated plainly, because investors ask. Two of these three streams operate today; the spread only becomes relevant if the Exchange launches.

2%
Platform Fee
Charged once on each transaction. On a $500 pool investment returning $560 gross, the fee is $11.20, leaving $548.80 net. Disclosed at the point of investment before confirmation — never deducted silently.
Live Today
$12
Vaulting — Per Month
Covers segregated vault storage, insurance, and periodic third-party assay verification of reserves. Waived for the first three months for Founding Members. Charged monthly against the wallet balance.
Live Today
Spread
Bid-Ask — Phase 2 Only
On an exchange, GoldPool would quote a small buy/sell differential against XAU/USD spot. This is the primary revenue mechanism for a liquidity venue and would be published live, not hidden inside the quoted rate.
Phase 2

What has to happen first

The Exchange is not blocked by engineering. It is blocked by legal classification. Ghana's virtual asset regime is new, and a gold-backed transferable token has no settled treatment under it. We will not launch ahead of that clarity.

Secured
GoldBod Act 1140 (2025)
Sole authority for ASM gold trading and export in Ghana since 1 May 2025. PRC Group operates as a licensed counterparty. This underpins both the pool product and any future exchange.
In Progress
SEC Crowdfunding Intermediary Licence
Required under SEC Crowdfunding Guidelines 2024 (effective 7 March 2024). GHS 250,000 minimum capital, approximately 90-day processing. Governs the live pool product.
Unresolved
VASP Act 1154 (2025) — Classification Opinion
The blocking dependency. A Hyperledger ownership token that can be transferred between parties may constitute a virtual asset. Until counsel and the regulator agree on treatment, the Exchange cannot proceed. This is the single item that determines whether Phase 2 happens at all.
In Place
AML Act 1044 · Cyber Security Act 1038 · Data Protection Act 843
KYC onboarding, velocity monitoring, and data handling controls already operate across the live platform and would extend to the Exchange without redesign.
See it working

Run the full deposit → tokenise → trade → withdraw sequence with simulated funds. No account, no real money.

Open Exchange Sandbox View Roadmap →