Product Roadmap

What's live,
and what's next

One product operates today. Everything beyond it is stated as a plan, with the regulatory dependency that gates it named openly — because an investor deserves to know which is which.

Development Phases

Built in sequence

GoldPool is not attempting to launch a full digital asset ecosystem at once. Each phase depends on the one before it — both technically and, more importantly, in licensing. Timelines below are indicative and deliberately not dated to a specific quarter, because regulatory processing times are outside our control.

01
Live Today

Pooled Gold Procurement

Investors join a pool from $50. Capital funds a specific, identified parcel of GoldBod-licensed artisanal small-scale mining gold. The parcel is procured, assayed, smelted, and resold — and returns are distributed against that outcome. Ownership is recorded on Hyperledger Fabric and evidenced by a holding certificate.

Pool Explorer
Live pools with funding progress, expected return, risk rating, gold source, and ESG impact per pool.
Investor Portal
Portfolio overview, holdings by gram, returns, certificates, wallet, and full transaction history.
Physical Redemption
Convert a holding into delivered physical gold rather than cash, subject to minimum weight.
Certificates & Assay
GoldBod assay references and MinCom concession IDs attached to each holding on the ledger.
Regulatory basis GoldBod Act 1140 (2025) for gold procurement and export. SEC Crowdfunding Guidelines 2024 for the investment offering — Crowdfunding Intermediary licence application in progress, GHS 250,000 minimum capital.
02
In Development — Not Offered

The Gold Exchange

Tokenised gold holdings that transfer between participants continuously, rather than being locked until a pool completes. Same physical gold, same procurement chain — the change is liquidity. A holder could sell a fraction of a position at a transparent price referenced to XAU/USD spot, and fractional units would open entry below the current $50 tier.

Continuous Trading
Buy and sell gold units against a published bid-ask, rather than waiting on a pool cycle.
Fractional Units
Sub-$50 entry priced per gram, lowering the barrier further for first-time investors.
Ledger Settlement
Trades settle against Hyperledger Fabric with a verifiable per-transaction record.
Live Mark-to-Market
Positions valued continuously against spot rather than only at pool close.
Blocking dependency VASP Act 1154 (2025) classification opinion — unresolved. A transferable gold-backed token may constitute a virtual asset under the Act. Until counsel and the regulator agree treatment, this phase cannot proceed. Read the full Exchange concept or try the sandbox.
03
Planned

Payments & Settlement

Once gold units trade reliably, the same instrument can settle payments. This phase treats gold as a unit of account for transfer rather than purely an investment holding — the point at which GoldPool stops being an investment product and becomes financial infrastructure.

Gold-Backed Stablecoin
A unit pegged to gold value, usable for payment rather than held solely for appreciation.
Cross-Border Settlement
Gold units as a settlement rail between counterparties, sidestepping currency volatility.
Collateralised Lending
Borrowing against a gold position without liquidating it. Requires separate credit licensing.
Mobile Wallet Integration
Direct interoperability with MTN MoMo and bank rails for everyday accessibility.
Dependencies Phase 2 must complete first. Payment and e-money licensing from the Bank of Ghana would be required in addition to VASP classification. Lending products require separate credit authorisation. No timeline is committed.
04
Exploratory

Long-Term Wealth Products

Under evaluation, not committed. These extend gold from a traded asset into long-horizon savings instruments. Each carries its own licensing regime and would likely require partnership with an authorised institution rather than being offered directly by GoldPool.

Gold-Backed Bonds
Fixed-term instruments backed by gold reserves, potentially funding infrastructure projects.
Savings & Pension
Long-horizon products for inflation protection. Requires pensions regulator authorisation.
Microfinance
Small-scale lending collateralised by gold holdings, delivered through a licensed partner.
Institutional Access
Custody and reporting suitable for funds allocating to Ghanaian gold at scale.
Status Exploratory only. Listed for transparency about direction — not a commitment, not a timeline, and not an offer. Several would require GoldPool to operate as or alongside a licensed deposit-taking or pensions institution.
A Note on Sequencing

Why we publish the blockers

It would be easy to present all four phases as imminent. Most platforms do. We list the specific Act that gates each one because the alternative — implying that tokenised trading is weeks away when its legal classification is genuinely unresolved — would misrepresent the risk an investor is taking.

Phase 1 is real and operating. Everything after it is contingent. If VASP Act 1154 classification does not land favourably, Phase 2 does not happen, and Phases 3 and 4 do not follow. That outcome is possible, and an investor should price it in.

Invest in what's live

Pooled gold procurement is open today, from $50, with the Founding Member programme still available.

Browse Live Pools Try the Sandbox →