How It Works

From your $50
to verified gold

Every GoldPool investment follows the same four-stage pipeline — regulated at every step, visible at every stage.

01
Verify & Invest
Complete Ghana Card (NIA) KYC verification via Smile Identity's biometric API. Choose your pool tier — Entry ($50), Standard ($500), or Premium ($5,000). Pay via Flutterwave (mobile money, bank transfer, or international card). Your funds transfer immediately into an SEC-licensed custodian bank escrow and never touch PRC Group's operational accounts until procurement is authorised.
Compliance Note
Retail investors are subject to a 10% of annual income investment cap per 12-month period under Ghana SEC Crowdfunding Guidelines 2024. Qualified Investor status (declared annual income above GHS 240,000) removes this restriction.
02
Pool Procurement
Once a pool reaches 90% of its funding target, PRC Group triggers procurement. We purchase gold from our GoldBod Tier 1 or Tier 2 licensed suppliers — verified against GoldBod's active licence register before every purchase. Each supplier's MinCom MCAS concession ID is recorded against your pool in the dashboard, giving you visibility of the exact mining concession your gold came from.
03
GoldBod Assay & Blockchain Token
All gold procured by PRC Group is officially assayed and sealed by GoldBod before smelting — a mandatory requirement of Act 1140, not an optional certification. The GoldBod assay certificate number and seal number are recorded against your pool. After smelting at PRC Group's licensed premises, a Hyperledger Fabric blockchain ownership token is issued to your investor wallet. This token records your fractional share, the GoldBod assay certificate, the MinCom concession ID, and the pool code. It is legally valid under Ghana's Electronic Transactions Act 772.
04
Redeem or Reinvest
Select cash resale — PRC Group sells the smelted gold at GoldBod's Bank of Ghana Reference Rate price, deducts a 2% platform fee, and sends your net return to your mobile money or bank account within 2–5 business days. Premium Pool investors ($5,000+) may alternatively request physical gold delivery to a GoldBod-certified vault in Accra ($12/month vaulting). Or roll your returns directly into a new pool with zero additional fees.

Fees, timelines
& thresholds

ParameterEntry PoolStandard PoolPremium Pool
Minimum investment$50$500$5,000
Pool trigger threshold90% funded90% funded90% funded
Maximum funding period90 days90 days90 days
Platform fee2% of returns2% of returns2% of returns
Vaulting feeN/AN/A$12/month
Cash payout timeline2–5 business days2–5 business days2–5 business days
Physical deliveryNot availableNot availableAvailable
AML velocity flag>2 pools in 48 hours = medium-risk review
AML threshold flagAggregate ≥$4,800 = enhanced due diligence
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in your first pool?

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