What is Troygold and how does it work?

Troygold is a mobile app that lets you buy, sell, store, and use real gold Krugerrands for transactions and loans. You download the app, deposit physical gold at drop-off points or buy directly from R10, get full legal ownership with a certificate, and store it insured in a vault; then spend via a linked Mastercard debit card, trade 24/7, or borrow up to 75% of its value at low interest rates.

How much does Troygold cost?

Troygold has no monthly account fees, but includes buy/sell spreads (5.5-8.5% buy, 0.5% sell above spot based on amount), tiered storage fees (0.5-1% annually if required), and gold-backed loan interest (Prime +3% to +9% based on holdings). Standard Mastercard transaction fees apply.

What countries does Troygold operate in?

Troygold operates only in South Africa.

How do I sign up for Troygold ?

You can sign up for Troygold by downloading the Troygold app or visiting the website, then selecting “Get Started / Open Account”, completing your email registration, and finishing the ID verification (KYC) process before you can start investing or uploading gold.

Does Troygold have a mobile app?

Yes, Troygold is available on iOS and Android. You can download Troygold on the App Store for iPhone, or get it on Google Play for Android.

Who is Troygold best suited for?

Troygold is best suited for South African gold owners or investors seeking secure storage, liquidity, and borrowing against physical Krugerrands without selling them.

How do I contact Troygold support?

Contact Troygold support on support@troygold.app.

Does Troygold have a plan for teams or businesses?

Troygold does offer a business account (Prime Business Account) designed for companies, which includes business onboarding (KYB verification) and access to features like gold transactions and credit facilities tailored for businesses.

Does Troygold offer an API or integrations?

Yes, Troygold offers a public API. View the official Troygold API documentation for endpoints, authentication, and integration guides.

Troygold

🇿🇦 South Africa

A South African gold investing app for individuals and businesses to buy, sell, upload, store, and borrow against insured 1oz Krugerrands held in vaults.

Use it on:Web API Android· 4.0 iOS· 4.4

Is Troygold right for you?

Best for

South African investors
First-time gold buyers
Businesses holding gold
Gold-backed borrowing
Long-term value savers

What it does well

Buy and sell Krugerrands
Vaulted gold storage
Insured 1oz coins
Borrow against gold
Upload existing coins

Things to check

Loan terms and rates
Storage and insurance fees
Coin eligibility rules
Vault access and audits
Buy-sell spreads

Troygold is a South African fintech platform for individuals and businesses that want to save, invest, and access credit using real physical 1oz Krugerrands.

Key capabilities include:

Buy and sell gold through a gold bullion-backed account, with support for small starting amounts (as low as R10), designed for ongoing gold accumulation.
Upload and digitize Krugerrands that users already own, then place them into secure vault storage.
Gold-backed credit facility that provides liquidity against vaulted gold (up to 50% of the gold value), with interest-only repayments.
Subscriptions for automated weekly or monthly gold purchases, plus the ability to send gold to other users and redeem holdings via courier delivery in 1oz denominations.

Available on Web with a DigiGold API plus business and wholesale options. Troygold is also available on Android and iOS.

It is built for South African retail investors looking for gold-backed savings and liquidity and for businesses seeking a zero-inflation business account and programmatic access to gold via API.

Notable in the local market, holdings are 100% physically backed, allocated and segregated, uniquely numbered, and fully insured, with storage via RMB at Brink’s vaults in Johannesburg. The provider (Karat Consolidated (Pty) Ltd) is a registered high value goods dealer with South Africa’s FIC and a Registered Credit Provider (NCRCP 12342) under the National Credit Act.

As of Jun 22, 2026, Troygold is rated 4.4 on the App Store from 43 reviews and 4.0 on Google Play from 134 reviews with 10K+ installs.

Phone:+27 12 881 0618

Social Links:

Categories:

Fintech

Features & Business Model:

b2c investments lending