Security
Your gold is real, allocated, and audited, held by the most trusted names in bullion.
Every alpha on AlphaMoney is matched 1:1 by physical, serialised bullion in third-party vaults. We don't lend it, we don't rehypothecate it, and we don't earn a yield on it. It is yours.
Vault & Sourcing
Brink's · Loomis · Minted Connect
- Physical gold held in Brink's (Dubai) and Loomis (Istanbul) high-security vaults
- Sourced via Minted Connect (London) from SAM Precious Metals (Dubai) and Nadir Metal Refinery, Turkey's only LBMA-accredited refinery
- LBMA-accredited, 999.9 fine gold
- Fully insured by top global underwriters
- Audited quarterly by a Big 4 accounting firm
- Reconciled daily, to the milligram
Banking Partner
Bank 78 · CBN-licensed MFB
- Powered by Bank 78, a CBN-licensed Microfinance Bank
- Every naira and gold transaction processed and secured by Bank 78
- BVN verification on every account
- Customer funds segregated and protected
- Full reserves reported transparently to the Central Bank of Nigeria
- All operations onshore, supervised, accountable
Inside the vault
Allocated. Serialised. Yours.
Common questions
The questions a careful saver should ask.
Where is my gold actually kept?
Every alpha on AlphaMoney is matched 1:1 by physical, serialised gold bullion held in third-party high-security vaults: Brink's in Dubai and Loomis in Istanbul, two of the most trusted names in bullion custody. The gold is LBMA-accredited, 999.9 fine, sourced through Minted Connect in London from SAM Precious Metals in Dubai and Nadir Metal Refinery — Turkey's only LBMA-accredited refinery. It is fully insured by top global underwriters. Because the bars are serialised and allocated, your holding isn't a claim on a pool or a promise on a balance sheet; specific, identifiable metal stands behind your balance, reconciled daily to the milligram and audited quarterly by a Big 4 accounting firm.
Is my gold lent out, staked, or rehypothecated?
No — and this is the line that separates gold-backed money from most yield products. AlphaMoney does not lend your gold, does not rehypothecate it, and does not earn a yield on it. It sits allocated in the vault, matched one-to-one to customer balances. That's a deliberate trade-off: products that pay yield on gold or crypto do it by taking your asset and putting it at risk somewhere else, which is exactly how depositors get hurt when markets turn. AlphaMoney's model is simpler — your gold's job is to exist, stay insured, and hold its value. The quarterly Big 4 audits and daily milligram-level reconciliation exist so you never have to take our word for it. See what we believe and won't do.
What happens to my gold if AlphaMoney shut down?
The honest answer starts with how the gold is held: it isn't on AlphaMoney's balance sheet as company property to spend. Customer gold is allocated, serialised bullion in third-party vaults (Brink's and Loomis), customer funds are segregated, and every naira transaction runs through Bank 78, a CBN-licensed Microfinance Bank that reports full reserves transparently to the Central Bank of Nigeria. Segregation and third-party custody exist precisely for the worst case — the metal backing customer balances is identifiable and separate from the company's own assets. All operations are onshore, supervised, and accountable to Nigerian regulators. That structure, plus quarterly independent audits, is what standing behind "your gold is yours" actually looks like in practice.
How is my account itself protected?
Account security runs on regulated banking rails rather than a standalone wallet. Every account is opened with BVN verification, so identity is checked against Nigeria's banking-standard identity system before any money moves. All naira and gold transactions are processed and secured by Bank 78, a CBN-licensed Microfinance Bank, and customer funds are segregated and protected rather than mixed with company money. Inside the app, sensitive actions are gated behind your transaction PIN. Because operations are fully onshore and supervised, you also have a Nigerian regulator and Nigerian law standing behind the arrangement — not an offshore entity beyond reach. Read how signup works, or email info@alphamoneyng.com.
of vaulted gold per alpha (α)
LBMA-certified fine gold
independent audits a year
backed by physical bullion