Introducing Binaxity Gold I-LOC: Build Gold Exposure with 2× Buying Power
Gold has long been viewed as a store of value, a portfolio diversifier, and a hedge against uncertainty. But for many investors, building meaningful gold exposure still requires one thing upfront: capital.
At Binaxity, we believe credit can do more than fund consumption. It can help build assets.
That is why we are introducing the Binaxity Gold Investment Line of Credit, or Gold I-LOC: a structured way to accumulate tokenized gold exposure with 2× buying power, no volatility-driven margin calls, interest-only payments, and the flexibility to redeem your position anytime.
A new way to build gold exposure
A traditional gold loan usually starts with an asset you already own. You pledge bullion or another gold-backed asset as collateral, borrow against it, and may face margin calls or forced liquidation if the market moves against you.
Gold I-LOC works differently.
Instead of borrowing against gold you already own, you use credit to build a gold position. You contribute capital, Binaxity matches it 1:1 with credit, and the combined amount is used to acquire tokenized gold exposure.
For example, if you contribute $500, Binaxity matches it with $500 of credit, giving you $1,000 of gold exposure.
That is the core idea behind I-LOC: structured credit designed for asset building.
Built on Tether Gold, one of the most widely accepted tokenized gold assets
Trust matters when building exposure to any asset, especially when that asset is represented on-chain.
Gold I-LOC uses Tether Gold, also known as XAUt, one of the most widely recognized tokenized gold assets in the digital asset market. According to Tether Gold, one XAUt token represents ownership of one fine troy ounce of gold on a physical gold bar that meets the LBMA Good Delivery standard.
By using tokenized gold, Gold I-LOC combines the long-standing role of gold as a store of value with the operational advantages of digital assets: on-chain settlement, fractional accessibility, transparent movement, and 24/7 transferability.
Institutional-grade custody and platform controls
Binaxity’s product design is not only about access. It is also about infrastructure.
Our investment platform is built with institutional-grade wallet security and operational controls. Binaxity uses institutional-grade MPC wallet infrastructure, where key material is split into independent fragments so no single party holds complete signing authority. Transactions are processed through controlled approval workflows, policy-based access controls, allowlisted addresses, and multi-step governance.
In addition, Binaxity applies KYT transaction monitoring to help screen source and destination wallets, detect suspicious activity, and support sanctions and risk controls before processing investment flows.
For Gold I-LOC, this security model is extended to tokenized gold exposure, combining accepted digital-asset infrastructure, segregated vault architecture, qualified custody arrangements where applicable, and wallet-to-wallet transparency.
The goal is simple: give users a structured way to build gold exposure while maintaining strong operational safeguards at every step.
2× buying power, without margin-call mechanics
Gold I-LOC is built around a simple matched structure:
You bring the first half. Binaxity provides the second half. Together, the full amount is used to build your gold position.
This gives users twice the buying power compared with using their own capital alone.
Just as important, Gold I-LOC is not designed like a traditional margin loan. There are no volatility-driven margin calls and no automatic forced liquidation triggered by routine market price movement. If gold declines, the value of your position may fall, but the structure is not built to force you out of the position simply because of short-term volatility.
You remain responsible for your interest payments and account obligations, but market movement alone does not create the same forced-exit risk common in collateralized lending.
Introductory rate: starting at 6.5%
To support the launch, Gold I-LOC is available with an introductory starting rate of 6.5% APR.
Interest applies only to the borrowed portion of your position, not to your own co-investment. The structure is interest-only, meaning there is no required principal amortization while the position remains open.
That keeps the monthly obligation simple and easier to understand:
Your contribution builds the position. Binaxity’s matched credit increases your exposure. You pay interest on the borrowed half.
For users who want to build long-term gold exposure without committing the full purchase amount upfront, this creates a more capital-efficient path.
Interest rate note: Gold I-LOC starts at 6.5% APR. To support a no-volatility-driven-margin-call structure, the rate may adjust gradually if XAUT declines significantly from the reference price at drawdown. The APR remains 6.5% unless XAUT is down 25% or more, then increases by tier based on the level of drawdown, up to 15.5% APR in an extreme 80%+ drawdown scenario. Please see the loan agreement for the full rate schedule.
Start with as little as $10
Gold exposure should not require a large upfront commitment.
With Gold I-LOC, the minimum co-investment amount starts at just $10. That means users can begin small, learn the product, and scale their position over time as their confidence and financial capacity grow.
This is especially important for users who want to build disciplined exposure gradually rather than making one large purchase all at once.
You can contribute when it makes sense, pause when needed, and continue building on your own schedule.
Redeem anytime
Gold I-LOC is also designed with flexibility in mind.
Users can request to redeem their position anytime, subject to the applicable product terms and processing checks. When a position is redeemed, proceeds are first used to repay the outstanding loan balance, and any remaining net proceeds are paid out to the user.
That gives users a clear path to exit without being locked into a rigid investment schedule.
Why Gold I-LOC matters
Gold I-LOC reflects Binaxity’s broader product vision: credit should help people build assets, not just debt.
With Gold I-LOC, users can:
Build tokenized gold exposure with 2× buying power
Start with a minimum co-investment of just $10
Access an introductory starting rate of 6.5% APR
Make interest-only payments on the borrowed portion
Avoid volatility-driven margin calls
Use a widely accepted tokenized gold asset
Benefit from institutional-grade wallet security and platform controls
Redeem their position anytime
Accumulate on their own schedule
For many investors, gold remains a core long-term asset. Binaxity Gold I-LOC introduces a new way to access that exposure through structured, asset-building credit.
Start building your gold position
Gold I-LOC is now available through Binaxity in eligible jurisdictions.
If you are looking for a more flexible way to build gold exposure with matched buying power, low minimum commitment, institutional-grade infrastructure, and no volatility-driven margin calls, Gold I-LOC was built for you.
Apply today and start building your gold position with Binaxity.