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Investments

The AMINA Gold Token (AGT) is a digital asset representing co-ownership of 1 gram of 100% fine gold per token, stored and held in allocated custody* in Switzerland, offering a digital access to physical gold. AGT is issued by a fully regulated Swiss bank, which is subject to Swiss regulatory oversight and requirements.*

*Custody of the physical gold is provided by long standing (since 1951) Swiss refinery, Argor-Heraeus, a member of the London Bullion Market Association (LBMA) and one of the LBMA’s few global referees, upholding the integrity of the LBMA Good Delivery List

*Not authorised or regulated in the UK; no UK investor protections apply.

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Why AGT?

Co-ownership via Tokenization

Each AGT represents co-ownership of physical gold held at at Argor-Heraeus, a long standing Swiss refinery and a member of the London Bullion Market Association. Through tokenization, holders can access and manage their holdings digitally, subject to applicable terms and and conditions, and operational requirements.

Instant Access

Trade and manage AGT globally via a wallet on your phone or tablet. Get fast delivery of AGT and access to credit facilities, subject to eligibility criteria and applicable terms, against your gold-backed holdings, all with the support of AMINA’s integrated banking services.

Bank-Regulated & Custodied

Minted, traded, and custodied at AMINA under FINMA supervision, AGT is 1:1 backed by physical gold. Transparency is supported by by an audit and verification process. AMINA conducts periodic independent verification/assurance of the gold holdings*

 *These checks are not continuous and should not be read as real-time proof of reserves

Key risks

Regulatory status
AMINA is regulated in Switzerland as a bank and securities dealer by FINMA; UK investors should note that this is not UK authorisation of AMINA or AGT.
Regulatory and quality standards
AGT depends on the gold and refinery process satisfying applicable origin, quality, responsible-sourcing, AML and documentation requirements. Argor-Heraeus terms allocate responsibility for certain acceptance / export / import / processing compliance matters and include representations that refining material is not conflict-related and is not linked to money laundering, terrorism financing or illegal activity. If documentation or representations are incorrect or incomplete, Argor-Heraeus may terminate or return material at the customer’s risk and expense. Argor-Heraeus is also a member of the London Bullion Market Association and subject to applicable standards of quality and security accordingly. 
Details of the applicable standards Argor-Heraeus adhere to are found on their website.
Operational and custody dependency
AGT relies on AMINA’s token issuance/custody infrastructure and on third-party refinery/metal-account arrangements. Holders may be affected by operational failures, delays, documentation issues, force majeure, account/reconciliation errors, or the inability or delay of a refinery/custody provider to process, refine, outturn or deliver gold. Argor-Heraeus terms state that it performs refining with due and reasonable diligence but does not guarantee a specific outcome, including successful pretreatment, homogenisation, sampling or refining. Force majeure can excuse performance and, after 30 days, may trigger termination rights for affected contracts.
Reserve verification (periodic)
Checks are periodic and not real-time. Argor-Heraeus is a member of the London Bullion Market Association (Current Members | LBMA) and as such is subject to external oversight and standards of excellence set by the LBMA (Market Standards | LBMA)
Lack of diversification
AGT is concentrated in a single asset class (gold), and therefore carries non-diversification risk.
Value can fall
AGT provides concentrated exposure to gold. The value of gold can be volatile, and because AGT is denominated in USD, changes in GBP/USD exchange rates may also affect returns for UK investors. As a result, holders may receive less than they originally invested.
Redemption/delivery friction
Physical redemption or delivery may be subject to eligibility checks, minimum amounts, conversion/redemption mechanics, processing times, operational cut-offs, logistics, insurance, taxes/duties and delivery terms.
Liquidity/spread risk
The ability to sell AGT and the execution price may depend on market venue availability, AMINA or third-party market-making capacity, spreads, volatility, counterparty appetite and transfer/custody restrictions. Liquidity is not guaranteed and may not be immediate.
Digital asset risks
Since AGT is an Ethereum ERC-20 token, holders could face blockchain risks including network congestion, gas-fee volatility, delayed or failed settlement, smart-contract or token-standard issues, wallet/key compromise, address errors, forks, outages and operational restrictions around minting, burning, transfers and custody
Co-ownership and third‑party dependency risk
Ownership of the physical gold under AGT is structured as co-ownership under Swiss law, which gives holders proprietary exposure to a pooled gold reserve, but practical enforcement and transfers depend on token records, AMINA’s systems, the applicable token regulations and the refinery/custody documentation. Operational, documentary or third-party issues could delay recognition, transfer, redemption or delivery even where the holder has an economic/proprietary interest

Why AMINA AGT?

  • Minimum Investment, as flexible access to gold
starting with 1 gram per AGT
  • 100% gold-backed, minted and stored in Switzerland
  • Fully regulated under Swiss banking law
  • Regulated custody and market access through AMINA
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Product specification

  • Underlying

    Physical Gold

  • Issue Currency

    USD

  • Blockchain/Token Standard

    Ethereum, ERC-20 Token

  • Ratio

    One gram Gold per Token

  • Reference Price/Currency

    LBMA Gold Price (XAU in USD)

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