When you deposit money into Intrinsic, we automatically convert it to gold at the current spot price. Your balance is held in gold, and when you spend with your Intrinsic card, we convert the exact amount of gold needed at checkout.
Yes. Your gold is backed by real physical metal stored in secure vaults. Independent audits verify our holdings quarterly.
Your balance will fluctuate with the gold price. Gold can be volatile in the short term, but historically has preserved purchasing power over the long term better than cash. Intrinsic is designed for savers with a long-term perspective.
We charge a small monthly account fee and a minimal spread on gold conversions. There are no fees for card transactions, transfers, or sending gold to other Intrinsic users.
Yes. You can convert your gold back to dollars and withdraw to your bank account at any time.
No. Intrinsic XYZ Inc. is a technology company that partners with Lead Bank N.A., Member FDIC. The Intrinsic Visa Debit Card is issued by Lead Bank N.A.
Simply enter their email address and the amount you want to send. They'll receive an email to claim their gold by creating an Intrinsic account. No bank details, no currency conversion fees, no middlemen.
Your gold balance automatically earns 5.4% APY through our lending program, where we lend your gold to institutional borrowers. Your gold is fully insured.