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Why UniPay2U

Who we are, what we do

UniPay2U is where gold investors come to buy gold for storage in a professional bullion vault. The process is secure yet straightforward, and prices are competitive.

Here's how it works:

1. All UniPay2U users own guaranteed professional grade gold bullion, in standard gold bar form.
2. It is stored by Via Mat in a professionally recognised bullion storage facility in Switzerland, the UK or the USA.
3. Users are able to buy and sell directly with other UniPay2U users, via UniPay2U's order board. The gold does not move. Only the ownership changes.
4. Anyone can participate. Private individuals can use the service to buy, own, store, and later sell, professional grade bullion all at compelling prices usually available only in the professional
5. Bullion markets.

Safer, easier, better value

Your gold is kept in London, New York or Zurich, in specialist bullion market approved vaults operated by Via Mat.

You pay low charges which include insurance and you do not pay extra for fabrication and delivery.

You own your gold outright. Your gold is not held as a liability in a gold 'account' and there is no intermediating trust. The gold you buy is your personal tangible property, stored economically in one of the safest places on Earth.

You set the whole arrangement up in an hour or two, without any of the time consuming
procedures and hidden costs you may have experienced in trying to acquire gold.

Guaranteed gold bar quality

The gold you buy on UniPay2U is of permanently guaranteed quality because it has always stayed within the recognised storage facilities of the bullion market.

It was originally assayed* at a recognised bullion market gold refiner and at the established standard of purity for bullion (>99.5%). It was acquired from and delivered by formally recognised bullion market participants, and it stays in a formally recognised bullion vault.

Because of strict adherence to market procedures for handling bullion the bars retain their status as 'Good Delivery'. This means that professional market buyers, who pay the best prices, will accept them, which they will not ordinarily do for bars with a private custody history.

So although owned by private customers UniPay2U bars retain their full resale value, and this simple solution eliminates one of the significant costs of private gold ownership.

Use your preferred currency

UniPay2U operates a multi-currency system. You can simultaneously maintain balances in US Dollars, Euros and Pounds Sterling, and you can seek opportunities to trade gold using whichever currency is most advantageous to you at the time.

Taking delivery

Only when you take delivery of gold does your gold holding isolate you from
the risks of the global financial system.

At UniPay2U you take immediate delivery of gold at the point of trade. At that instant your gold becomes your outright property. You are not exposed to any credit risk.

But you do not take personal custody, and this is certainly the best course.

When you take bullion away from professional market vaults the bars lose resale value because professional buyers become wary of their integrity.

Outside the recognised bullion market infrastructure you cannot take personal custody of a bar or pass it on to a new owner with both parties enjoying absolute confidence that it has not been tampered with. Although it is uncommon some bullion bars in private hands get 'drilled out'. With UniPay2U you are guaranteed that this has not happened.

The most common spot market delivery unit of gold bullion is at 400 troy ounces inconveniently large. At a $600 per ounce price one unit costs $240,000. Smaller delivery units cost a fabrication premium and further reduce resale value.

Minimum costs on gold shipments make them uneconomic below about $500,000.

Privately held gold is substantially more expensive to insure than vault held gold.

Contrary to much popular belief it is rarely the case that privately hoarded gold can be used effectively at its full bullion market value in times of crisis. More effective by far is to sell foreign held gold and re-patriate the proceeds as they become needed. By storing within the UniPay2U service these problems are avoided, and the disadvantages of professional vaulting namely inaccessibility to private customers and high minimum costs are avoided too.