Gold Liquidity Spectrum

Three ways to use your gold.
One clear winner.

Sell it, tokenize it, or borrow against it — live prices, real math. See exactly what your gold unlocks today.

Loading prices...
Your gold holdings
10 oz
1 oz 25 oz 50 oz 75 oz 100 oz
Full Exit
💱
Sell It
Convert to cash at today's spot price. You're out of gold permanently.
$43,580
$4,358/oz
Liquidity 100% of spot
Keep your gold? No
Upside exposure Gone
Tax event? Yes — CGT
Time to cash 1–2 days
Discount
🔗
Tokenize It
Swap to PAXG or XAUT on-chain. Slightly less than spot — with added custody complexity.
$43,303
$4,330/oz via PAXG
vs Spot price −0.6% discount
Keep your gold? Different form
Upside exposure On-chain yes
Tax event? Possible
Counterparty risk Custodian + smart contract
Smart Move
🏦
Borrow Against It
Get cash in 48 hours. Your gold stays safe in vault. Pay it back anytime.
$30,506
70% LTV · $4,358 spot
Liquidity 60–70% of spot
Keep your gold? Yes — in secure vault
Upside exposure Fully retained
Tax event? None — it's a loan
Time to cash 24–48 hours
💡
With 10 oz of gold, borrowing gives you $30,506 in cash — while retaining $43,580 in long-term value. If gold reaches JP Morgan's year-end target of $5,000/oz, that's an additional $6,420 upside you'd have lost by selling.
Loan-to-Value ratio
Adjust based on loan type and asset quality
70%
50% 60% 70% 80%
Liquidity comparison — 10 oz at today's prices
Sell (spot)
$43,580
Tokenize (PAXG)
$43,303
Borrow (RealWorld)
$30,506
* Selling and tokenizing both give up your gold. Borrowing gives you cash + gold. The borrow bar understates the real value — you keep the asset.
What $30,506 in gold-backed liquidity buys you
Unlock Your Gold's Liquidity →
No credit check. 24–48 hour funding. Your gold never leaves its vault.
RealWorld

Prices sourced live from CoinGecko. Gold spot via market consensus.
This tool is for informational purposes only and does not constitute financial advice.
Loan terms subject to qualification. LTV ratios are illustrative.