Trust & Credibility

Everything we ask you
to take on trust

Custody, compliance, governance, insurance, and audit — consolidated into one page, including the parts that are not finished yet.

Trust Indicators

Where we actually stand

Four things an investor should verify before committing capital. Two are in place; two are not yet, and we say so rather than implying otherwise.

GoldBod Licensed
PRC Group operates as a licensed counterparty for ASM gold procurement under Act 1140.
In Place
Segregated Custody
Investor gold is held separately from company assets, insured, and independently verified.
In Place
SEC CI Licence
Crowdfunding Intermediary application filed and under review. Not yet granted.
Pending
VASP Classification
Legal opinion on token classification under Act 1154 remains unresolved.
Unresolved
What this means today: GoldPool is not currently accepting public investor funds. The waitlist collects expressions of interest only. Any platform in this sector claiming full regulatory clearance right now is worth questioning closely.
Compliance

Six laws,
in the order they apply

Each governs a different part of the operation. All six apply simultaneously — this is not a menu.

Layer 01 · Gold
GoldBod Act 1140 (2025)
Signed 2 April 2025, in force from 1 May 2025. Establishes the Ghana Gold Board as sole authority for ASM gold trading and export, dissolving the PMMC. Every buyer must hold a GoldBod licence; every gram must be assayed and sealed by GoldBod before smelting or export. This is what makes the procurement chain lawful.
Layer 02 · The Offering
SEC Crowdfunding Guidelines 2024
Effective 7 March 2024 under the Securities Industry Act 929. Any platform pooling investor capital for a common purpose needs a Crowdfunding Intermediary licence — GHS 250,000 minimum capital, custodian bank escrow for investor funds, and a retail cap of 10% of declared annual income per 12 months. Our application is filed and under review.
Layer 03 · The Token
VASP Act 1154 (2025)
Governs virtual asset service providers. Whether a transferable gold-backed ownership token constitutes a virtual asset is unresolved, and that question gates the Phase 2 Gold Exchange. The current pool product does not depend on it — tokens today are ownership records, not transferable instruments.
Layer 04 · The Money
AML Act 1044 (2020)
Requires identity verification before investment and ongoing monitoring afterwards. In practice: KYC at onboarding, source-of-funds checks above threshold, velocity flagging at more than two pools in 48 hours, and mandatory FIC reporting of suspicious activity.
Layer 05 · The Systems
Cyber Security Act 1038 (2020)
Sets obligations for protecting critical information infrastructure, incident reporting, and system resilience. Covers the platform, the ledger, and the custody records.
Layer 06 · Your Data
Data Protection Act 843 (2012)
Gives you the right to know what is collected, why, how long it is kept, and to request deletion. Your information is not shared with third parties except regulators — FIC, SEC, GoldBod — where the law requires it.
Custody & Insurance

Where the gold
physically sits

A fractional claim is only as good as the metal behind it and the arrangements protecting it.

Segregation
Investor gold is held separately from PRC Group's own trading inventory and is not used as working capital, pledged as collateral, or lent. If the company failed tomorrow, investor metal would not sit in the general creditor pool.
Vault Arrangements
Metal is held in secured vault facilities in Accra with controlled dual access, continuous monitoring, and logged entry. Movements between procurement, assay, smelting, and vault are documented at each handover.
Insurance Cover
Vaulted holdings are insured against theft, loss, and damage while in storage and in transit under G4S-managed movement. The $12 monthly vaulting fee covers storage, insurance, and periodic verification — it is not a management charge.
Verification
Holdings are reconciled against the ledger periodically, with third-party assay verification of reserves. An investor's per-gram entitlement should always be traceable to a specific assay reference and concession ID.
Governance & Audit

Who decides,
and who checks

Separation between the people who buy gold, the people who record ownership, and the people who verify both.

Operational Separation
Procurement, assay verification, and ledger recording are handled by different functions. No single person can both acquire a parcel and record who owns it.
Pool Approval
Each pool requires documented supplier due diligence, concession licence verification, and a stated procurement plan before opening for funding. Pools trigger procurement at 90% fill.
Audit Process
Four checkpoints per cycle: supplier and concession verification at procurement, GoldBod assay on receipt, reconciliation at smelting, and vault confirmation before certificates are issued. Each produces a document retained against the pool.
Investor Reporting
Position statements, per-pool stage tracking, and cycle documentation available on request. Completed cycles publish their outcome — including where a return undershoots the estimate.
Security Information

Platform and account

Physical custody is one half. The other is the systems recording who owns what.

Ledger Integrity
Ownership is recorded on Hyperledger Fabric — permissioned rather than public, so every participant is known and every write is attributable and auditable. Records are append-only; corrections are new entries, never silent edits.
Account Protection
KYC verification before any investment, and monitoring afterwards under AML Act 1044. GoldPool staff will never ask for your password or a one-time code — anyone who does is not from GoldPool.
Payment Rails
Payouts settle only to verified mobile money or bank accounts in the investor's own name. Card deposits fund accounts but cannot receive payouts, which closes a common laundering route.
Data Handling
Personal data is retained only as long as regulation requires, under Data Protection Act 843 and the Cyber Security Act 1038. You may request deletion of anything not subject to a statutory retention period.
Risk Management

What could go wrong

Stated plainly, with our honest assessment of severity. A platform that lists no risks is not being straight with you.

Material
Regulatory refusal
If the SEC Crowdfunding Intermediary licence is not granted, GoldPool cannot operate the pool product. Existing positions would be wound down and capital returned, but timing would depend on where pools sat in their cycles. This is the single largest risk today.
Material
Gold price movement
Returns are driven by the resale price at cycle end. A fall in XAU/USD between procurement and resale reduces returns and can produce a loss. Nothing about pooling insulates you from the underlying commodity.
Moderate
Assay variance
A parcel may assay below the purity modelled at procurement, reducing fine gold content and therefore returns. We model conservatively, but variance across ASM concessions is real and cannot be eliminated.
Moderate
Liquidity and lock-up
Capital is committed until the pool completes — typically 60–120 days, sometimes longer. There is currently no secondary market to exit early. Do not invest money you may need at short notice.
Moderate
Counterparty and supplier
Procurement depends on licensed ASM operators delivering as agreed. Supplier due diligence and staged payment mitigate this, but a failed delivery would delay a cycle.
Lower
Custody loss
Theft, loss, or damage in vault or transit. Mitigated by segregation, insurance, and periodic verification — the residual exposure is genuinely small, but it is not zero.
Capital is at risk and returns are not guaranteed. Past pool performance does not predict future cycles. If any of the above is unacceptable to you, this is not a suitable investment — and we would rather you concluded that here than later.
Professional Statistics

The operation,
in numbers

Figures reflect PRC Group Ltd Ghana's gold operation and the GoldPool platform as at August 2026.

10+
Years in Ghana's
Gold Sector
6
Regulatory Layers
Applied
4
Audit Checkpoints
Per Cycle
100%
Gold Vaulted
& Insured
2
Completed Pool
Cycles
90%
Fill Before
Procurement
2%
Platform Fee
Fully Disclosed
0
Public Funds
Accepted To Date
The final figure is deliberate. GoldPool has not taken public investor money and will not until the SEC licence is granted. Demonstration data shown elsewhere on this site is fictional and clearly marked.
Trust FAQs

The questions
worth asking

What happens to my gold if PRC Group fails?+
Investor gold is held segregated from company assets and is not pledged, lent, or used as working capital. It is not intended to form part of the general creditor pool. Segregation is an operational and contractual arrangement, not an absolute legal guarantee, and its treatment in an insolvency would ultimately be determined by a Ghanaian court.
Can I verify my gold exists independently?+
Each holding carries a GoldBod assay reference and a MinCom concession ID. Concession licences are registrable with the Minerals Commission and assay references originate with GoldBod, so both can be checked outside GoldPool. Several community members do exactly this.
Is GoldPool regulated right now?+
Partly. Gold procurement operates under a GoldBod licence — that is in place. The investment offering requires an SEC Crowdfunding Intermediary licence, which is under review and not yet granted. Until it is, GoldPool cannot accept public investor funds.
Who audits the reserves?+
Assay verification is performed by GoldBod as the statutory authority, with periodic third-party verification of vaulted holdings reconciled against the ledger. Audit documentation is retained per pool and available to participants on request.
What are the fees, in full?+
Two: a 2% platform fee charged once per transaction, and $12 per month vaulting covering storage, insurance, and verification. Founding Members receive the first three months of vaulting free. There is no spread, no exit fee, and no management charge. If you find a third fee, we have made an error.
Could I lose money?+
Yes. If gold falls between procurement and resale, or a parcel assays below expectation, returns fall and losses are possible. Capital is at risk. Two completed cycles returned 24.8% and a prior cycle returned less — neither predicts the next.
Read Further

Detail lives elsewhere too

This page consolidates the trust picture. These pages go deeper on their specific areas.

Security
Platform architecture, ledger design, and account protection in depth.
ESG Policy
Responsible sourcing, mercury-free processing, and community impact.
Legal Notices
Formal terms, disclosures, and the regulatory basis of operation.
Technology
Hyperledger Fabric, tokenisation, and the traceability chain.
Investor Relations
Reporting, disclosure practice, and how we communicate.
Roadmap
What is live, what is planned, and the blocker gating each phase.
Still have doubts?

Good. Put them to the team directly — hard questions get published answers.

Ask the Team Contact Us →