Embark on the next phase of gold: utility
Gold has always been trusted. Liquid Gold makes it usable.
Liquid Gold is the utility layer that enables custodians, financial institutions and gold owners to create, access and manage gold-backed financial products using trusted vaulted gold.
It connects physical gold custody with digital product infrastructure, enabling gold to be accessed, pledged, tokenised and distributed through modern financial channels without changing the custody model customers already trust.
What matters to you?
The next phase of gold is utility
Gold has renewed importance in the financial system, but importance alone is not enough. The next phase of gold is utility: making trusted, vaulted gold easier to access, pledge and use. Liquid Gold enables this shift by adding a digital utility layer alongside trusted physical custody. It does not replace the gold. It does not replace the custodian. It makes the asset more useful within modern financial products and workflows.
Gold does not need to become crypto.
It needs to become more usable.
Liquid Gold is the utility layer for trusted vaulted gold
Liquid Gold sits between physical gold custody and the product, capital and distribution layers that want to use gold.
It provides the infrastructure needed to connect custody records, digital access, product workflows, partner controls, pledge status, reporting and lifecycle management.
This enables Gold-as-a-Service: a partner-facing infrastructure model that allows banks, wealth platforms, lenders, fintechs and asset owners to offer gold-backed products without building the full custody, legal, operational and technology stack themselves.
Physical gold layer
Custodians & gold asset holders
Liquid Gold utility layer
Liquid Gold
Product and distribution layer
Financial institutions & product partners
Liquid Gold adds utility between custody and distribution without replacing the custodian.
Gold-as-a-Service enables financial products to be built around vaulted gold through a shared infrastructure layer for custody alignment, digital representation, access controls, product workflows and reporting.
Trusted custody stays in place. Liquid Gold adds utility.
Liquid Gold is designed to work alongside existing gold custody arrangements.
Custodians and gold asset holders continue to provide the trusted physical gold layer: vaulting, custody, bullion execution, allocation records, liquidity, redemption support, audit and assurance.
Liquid Gold provides the digital utility layer: onboarding, identity, compliance, account access, orchestration, lock and pledge functionality, product workflow enablement and partner management.
Financial institutions and product partners provide the distribution layer: branded customer propositions, pricing, terms, user journeys and customer relationships.
- Physical gold layer: custodians provide vaulting, allocation, liquidity and assurance.
- Digital utility layer: Liquid Gold adds onboarding, identity, compliance and orchestration.
- Product workflows: lock, pledge and partner enablement on a shared utility surface.
- Distribution layer: institutions own branded propositions, pricing and customer journeys.
- Custody model is unchanged — utility is added, not replaced.
For custodians: grow AUM by making vaulted gold more useful
Custodians hold the trust layer of the gold market. Liquid Gold helps turn that trusted position into a broader product and distribution opportunity.
By adding a digital utility layer, custodians can support new gold-backed products, bring more partners into their ecosystem and create more reasons for customers to hold gold for longer.
- Grow gold held in custody.
- Enable partner-led Gold-as-a-Service propositions.
- Support tokenised gold, pledged gold and digital gold accounts.
- Create new product routes without changing the underlying custody model.
- Strengthen the custodian’s position as the trusted physical gold layer.
- Open new routes to banks, wealth platforms, fintechs, lenders and capital providers.
For financial institutions: launch gold-backed products without building the full stack
Financial institutions increasingly need real-world asset products that are trusted, accessible and operationally robust.
Liquid Gold enables banks, wealth platforms, private banks, adviser networks, fintechs and lenders to offer gold-backed products without building the full bullion custody, digital issuance, compliance, operational and technology stack themselves.
Institutions remain the product owner. They design the customer proposition, control the brand, set pricing and manage distribution. Liquid Gold provides the infrastructure that makes the gold usable.
- Digital gold accounts
- Gold savings products
- Gold-backed treasury products
- Tokenised or wallet-linked gold
- Pledged-gold lending
- Gold-backed liquidity products
- Real-world asset investment products
For gold owners: make gold useful without selling it
Gold owners often hold gold as a store of value. Liquid Gold helps make that gold more useful.
Through controlled digital workflows, vaulted gold can be represented, accessed or pledged in financial products while remaining connected to trusted custody.
This creates new ways to use gold without simply selling the underlying asset.
- View vaulted gold through a digital product layer.
- Use gold in controlled financial workflows.
- Pledge gold as collateral.
- Access liquidity without selling gold.
- Participate in gold-backed financial products.
- Retain the trusted foundation of physical gold custody.
Gold-backed products enabled by Liquid Gold
Liquid Gold enables custodians, institutions and partners to create new gold-backed products through a shared utility layer.
Digital gold accounts
Modern account experiences linked to trusted vaulted gold.
Gold savings and treasury products
Gold-backed propositions for customers, businesses and institutions seeking a trusted store of value.
Pledged-gold liquidity
Collateral workflows that allow gold to be locked, reserved or pledged against financial obligations.
Tokenised gold
Digital representation of vaulted gold for controlled product, access and lifecycle workflows.
Embedded gold products
Gold-backed propositions integrated into wealth, banking, fintech, lending or adviser channels.
Digital infrastructure.
Physical foundation.
Liquid Gold is not about making gold look like crypto.
It is about making trusted vaulted gold usable in the digital environments where modern financial products are created, distributed and managed.
The value remains in the gold. Liquid Gold provides the infrastructure that makes it accessible, programmable and operationally useful.
Crypto-led products
Often depend on network adoption, token sentiment or protocol trust.
Liquid Gold
Uses digital infrastructure to unlock utility around a trusted physical asset.
Traditional gold ownership
Trusted, but often limited in access, distribution and product flexibility.
Liquid Gold
Keeps the trusted custody model while enabling new product, capital and distribution use cases.
Built on Liquid, Gainsway's real-asset infrastructure platform
Liquid Gold is built on Liquid, Gainsway's institutional-grade infrastructure for making real assets more accessible, usable and distributable through modern digital rails.
The platform is designed to support partner onboarding, controlled access, product workflows, reporting, compliance, operational management and lifecycle oversight.
Partner onboarding
Identity and compliance workflows
Account access and orchestration
Controlled roles, permissions and lifecycle
Lock and pledge functionality
Reserve, pledge and release workflows
Product workflow enablement
Issuance, distribution and settlement rails
Reporting and lifecycle management
Audit-ready records and operational visibility
Compliance and oversight
Policy, monitoring and governance controls
API-enabled partner access
Secure integration for institutions and custodians
Operational oversight
Real-time status, exceptions and controls
A controlled path to tokenised gold and pledged-gold workflows
Liquid Gold can be introduced through a focused proof-of-concept designed to connect trusted gold custody with controlled digital workflows.
The first stage is to establish the connection between the physical gold layer and Liquid Gold.
The second stage is to enable tokenised gold and pledging workflows.
Enable digital gold
Define the connected workflow, integration points, data requirements and proof-of-concept scope.
- Connect custody records to the Liquid Gold layer.
- Map integration points and data requirements.
- Define proof-of-concept scope and counterparties.
- Establish governance and operational controls.
Establish Gold-as-a-Service capability
Enable tokenised gold and pledged-gold workflows, including ownership visibility, pledge status and agreed release conditions.
- Issue controlled digital twins of allocated gold.
- Enable pledge status and ownership visibility.
- Define and test agreed release conditions.
- Run bounded workflows with live custody data.
Liquid Gold FAQs
Liquid Gold is the utility layer that enables trusted vaulted gold to be used in digital financial products, partner workflows and Gold-as-a-Service propositions.
Gold-as-a-Service is a partner-facing infrastructure model that enables banks, wealth platforms, lenders, fintechs and other partners to offer gold-backed products without building the full bullion custody, legal, operational and technology stack themselves.
No. Liquid Gold is designed to sit alongside trusted custody. Custodians continue to provide the physical gold layer while Liquid Gold adds digital utility, partner access and product workflow capability.
Liquid Gold is for custodians, financial institutions, gold asset holders, wealth platforms, banks, fintechs, lenders and capital providers that want to create or access gold-backed financial products.
Liquid Gold can support digital gold accounts, gold savings products, tokenised gold, pledged-gold lending, gold-backed treasury products and embedded gold propositions.
No. Liquid Gold uses digital infrastructure, but the underlying foundation is trusted vaulted gold. The aim is to make physical gold more usable, not to create a speculative crypto product.
Make trusted gold more useful
Liquid Gold connects trusted physical gold with the digital infrastructure needed to create, distribute and manage modern gold-backed financial products.
For custodians, it creates a path to grow AUM and activate vaulted gold.
For financial institutions, it creates a way to launch gold-backed products without building the full stack.
For gold owners, it creates new ways to use gold without selling the underlying asset.
Contact the Team
See how Liquid Gold fits your model.
Whether you are exploring a first gold use case or a broader Gold-as-a-Service strategy, drop some information below and we will get back to you in 2 working days.