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.

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 offer an API or integrations?

Yes, the company offers an API product called the DigiGold API, which allows businesses to embed digital gold products and savings features into their own platforms. This lets other apps or services integrate Troygold’s gold savings and digital gold functionalities.

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Troygold : Funding, Reviews & Alternatives (2026) – Liners

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.

Available on:WebAPIAndroidiOS

Visit Troygold

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.