01
Accepted wherever Mastercard is
Stores, online checkout and participating ATMs. Merchants are paid in their own currency, as with any card.
Digital Gold Tokens · Mastercard
Real gold.Everyday money.
Gold Sika turns audited, allocated gold bars into Digital Gold Tokens - 1/16 gram of 96% fine gold each, sixteen to the gram - spendable anywhere Mastercard is accepted.
Accounts from $1.00 a month. Gold prices fluctuate; full backing is not a guarantee of
fiat value. Subject to application completion and approval. No credit check is required.
Your Name Here
1/16 g
Fine gold in every token
100%
Physical backing, audited
16
Tokens to the gram
$1
Monthly account membership
01 — What you own
One sixteenth of a gram, recorded in your name.
A Digital Gold Token is a serialized record of your entitlement to a fixed weight of physical gold: one sixteenth of a gram of 96% fine metal, sixteen tokens to the gram. Outstanding tokens may never exceed eligible reserves, and coverage is measured in gold weight rather than in cash value.
Reserve gold is held under documented custody, separate from the Company's own assets, reconciled every business day and verified by an independent auditor at least annually. The report, custodian and vault jurisdiction reach your documentation portal before you buy a single token.
- Token
- Digital Gold Token (DGT)
- Weight
- 1/16 gram fine gold
- Purity
- 96% fine
- Backing
- 100% physical, audited reserves
- Ledger
- Private and serialized
- Audit
- Independent, at least annually
Your Name Here
Balance1,240 tokens
Fine gold77.500 g
USD Balance$9,661.35as per October 29, 2026
Illustrative balance. Card eligibility, network acceptance, fees, limits and ATM access are governed by the applicable card terms.
02 — The card
Metal in the vault. A card in your pocket.
The Gold Sika card turns your gold into spending power without a trip to the vault. Tap it, and the gold converts to fiat at the accepted rate — the rest stays in metal, still recorded in sixteenths.
02
Gold converts at the shown rate
At the point of sale your gold is converted to fiat at the disclosed price, spread and fees, before settlement.
03
Five cards per household
A primary Mastercard plus up to four secondary cards for family members, each with its own limits.
04
Pause, freeze, replace
Controls sit inside your account. Lost card, changed travel plans or a suspicious charge are handled in the app.
Mastercard is a registered trademark of Mastercard International Incorporated. Merchants and ATMs receive fiat, never gold.
03 — Accounts
Six ways to hold gold.
Every account holds Digital Gold Tokens — 1/16 gram of 96% fine gold each, backed in full by audited reserves. Consumer accounts come with a Mastercard.
Individual accounts apply online below. Every other account is opened with an advisor.
Individual
Basic · entry level
A Digital Gold Token account for everyday transacting, including for people a conventional bank has turned away.
- 1/16 gram of fine gold per token
- Mastercard, valid worldwide
- Primary card plus up to four for family
- Cash in at 500,000+ locations across LatAm
$1.00
Per month
Joint
Basic · intermediate
Everything an individual account offers, shared by more than one primary account holder in one household.
- More than one primary account holder
- Up to four secondary cards per primary holder
- Fund from a bank account or any card
- One shared balance at your own pace
$2.00
Per month
Corporate
Specialised · advanced
Transact with Digital Gold Tokens, pay staff directly and take consumer payments without merchant services.
- Payroll into employees' individual or joint accounts
- Consumers pay you directly, without merchant services
- Settlement around the clock, weekends and holidays
- No cash handling, chargeback or card-data liability
$5.00
Per month
Enterprise
Specialised · advanced
Corporate benefits plus deposits in multiple countries, so cross-border work stops costing you a week.
- Deposits accepted in multiple countries
- Settle across currencies without foreign exchange snags
- Real-time funding in worldwide tokens
- Spend in any currency through the card
$10.00
Per month
Trust
Specialised · custody
A custody account for trusts, opened only by the law firm or attorney representing the trust.
- Disbursements into individual, joint, corporate or enterprise accounts
- Opened only by the trust's attorney or law firm
- Immediate settlement, weekends and holidays
- Not a consumer account · no cards issued
$10.00
Per month
Professional
Specialised · investment
For professional brokers: buy tokens and issue disbursements straight into client sub-accounts.
- Client sub-accounts across every tier
- Sub-accounts carry cards, bringing liquidity
- Opened by the broker, controlled by the client
- Position and disbursement analytics in one place
$10.00
Per month
Cash-to-card in at more than 500,000 locations across Latin America, including 7-Eleven and Oxxo stores in Mexico — or from your bank account, or any card you already hold. No credit check.
Talk to an advisor04 — Access
Four steps, reviewed by hand.
Gold is a private holding, so accounts open by application. The path in is short and it is the same for everyone.
Apply in a few minutes
Your details plus four JPEG images: a selfie, your back and front ID and a utility bill. Nothing is sent until you confirm on the final screen.
A person reviews it
No black boxes. Your documents are checked by hand against our criteria, and you receive an email when the review closes.
You are pre-approved
When you meet the criteria, an email follows with next steps. Your email address becomes your login User ID.
Buy, hold and spend
Open the account, read the reserve and custody documents, then buy tokens that spend anywhere Mastercard is accepted.
Bring these four things.
JPEG only. Every image must be a clear, complete .jpg with all edges visible and no glare or blur.
Go to the applicationRecent photograph
A clear, well-lit selfie showing your face, without obstruction or filters.
Identity document
A valid driver's license, front and back, passport's open identification page or a government picture ID.
Proof of address
A utility bill or similar official document showing your full name and current address. Not in your name? Ask us first.
Personal information
Name, date, place of birth, nationality, address, mobile number and occupation. For corporations, a tax ID, where applicable.
Sending an application does not open an account and does not guarantee access.
Applications that do not meet our criteria are declined, and we are not always able to explain why.
05 — Apply
Open your account.
Four short steps. Nothing is submitted until you confirm on the final screen, and you can move back and forth as often as you need.
Documents are stored privately and seen only by the review team.
01
Personal details
02
Address & contact
03
Photos & documents
04
Review
City and country.
Only where legally required. No credit check is run.
Where requested for verification.
Optional.
06 — Questions
Answered plainly.
The full terms sit in the Client Participation Agreement, and a real person answers anything left over.
Read the agreement07 — Client word
What clients say about us.
Three account holders on documentation, treasury use and redemption. Individual results vary, and no testimonial is a promise of return.
The documentation arrived before I was asked for a cent: the vault jurisdiction, the bar list, the auditor's report. Questions I had budgeted a week for were answered the same afternoon. I definitely recommend Gold Sika!
Naledi Mokoena
Private client · Dubai
We hold a treasury balance in gold rather than in fiat currency, and the card settles supplier invoices without us touching the vault. Daily reconciliation is what convinced our finance team.
Daniel Osei
Treasury lead · Lagos
I started with a small amount. Redemption was the test. I requested physical bars, received the handling and delivery costs in writing, and the tokens were locked while the metal was allocated.
Marta Almeida
Professional account · Mexico City