Building wealth shouldn’t require a finance degree.

Access to financial stability should be simple, fair, and built on real value; not hidden fees or empty promises. Phi Wallet gives you a transparent way to own real gold from as little as €1, helping you protect and grow your wealth.

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  • iOS app Phi Wallet download
  • Google Play and the Google Play logo are trademarks of Google LLC. Android app Phi Wallet download
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Financial systems should work for people; not the other way around

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Money isn’t broken; just confused.

We work, we save, and still our wealth depends on headlines and hype. It’s time to make money make sense again.

Phi wallet
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We believe true wealth is built on clarity, not complexity.

We started with gold: physical, traceable; a value that endures market crises. Our goal is to offer a modern trust-based precious metals infrastructure, powered by blockchain.

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No credit, no speculation

You buy gold with your available funds. We don’t lend, borrow, or trade with your assets. We also don’t encourage speculation. Phi Wallet is about preserving and growing your wealth steadily, based on real economy.

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Transparent costs

Phi Wallet displays the gold spot price per gram of gold in both USD and EUR for our users' reference. Our fees are competitive and communicated in a simple and straightforward way.

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Our ethics, our foundation

We sell only gold we own, certified and 999.9 pure, sourced from trusted bullion markets. We deal only in physical gold, never paper, because real gold cannot be printed or promised; it must be held.

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Privacy & data protection

We choose partners carefully and protect your data with care. This is a priority for us.

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Trust governed by technology, not just words!

Our infrastructure benefits from the immutable ledger characteristics of the XRP Ledger, a carbon-neutral blockchain used worldwide. This means even Phi Wallet cannot modify or delete an already confirmed transaction.

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Your gold isn’t hidden away; it’s liquid

  • Freedom when life happens


    Unexpected expense? Sell only what you need in seconds. No stress, no jeweler visits, no sacrificing all your savings.

  • Trust without hassle


    Your gold is kept under a custodial account. You decide whether to keep, sell, send, or ship your gold.

  • Coming soon - Phi Wallet gifts and rewards


    Beyond the safe haven of gold. Unlocking the potential of gold and other precious metals.


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How Phi works: simple steps to your gold.

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    1. Get started securely


    Download Phi Wallet from the App Store or Google Play. Create your account and complete a quick identity check — it keeps your account compliant and protects your assets.

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    2. Add money safely


    Based on the supported currency in your jurisdiction, transfer money from your own account to start buying gold. Outside SEPA, transfer fees may apply from your bank.

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    3. Own real gold


    Whatever the amount of gold you purchase, it's always physical certified gold of 999.9 purity, stored and insured in our vaults in Singapore. Storage is free for the first year from your signup date, then 0.5% annually on your gold holdings.

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    All set to go!


    You're all set to start building your wealth!


Your gold is 100% yours, and physically available now. Not paper, not borrowed and not depending on 3rd party promises to make available in the future. We only sell what we physically hold in our vaults. Each purchase includes a detailed receipt with quantity, purity, and a unique transaction order. All transactions are recorded on an immutable ledger and confirmed by independent audits.
Your gold is securely stored in a custodian account at the Singapore Precious Metals Exchange, located in Le Freeport — one of the most secure facilities in the world for precious metals. All holdings are fully insured and legally protected. Our vault agreement ensures your gold remains separate from any other company or institutional assets.
Phi Wallet is not just making gold more convenient than ever before; our mission is to build a modern precious metals infrastructure that makes these assets part of the everyday financial ecosystem. With blockchain, we bring transparency and fractional ownership of gold, while creating an infrastructure that promotes inclusivity, convenience, and trust. This eliminates the logistical and financial barriers to accessing precious metals, and opens the doors to utility beyond the safekeeping of these valuable assets.
Phi Wallet is a technology infrastructure that provides digital access to physical precious metals, transforming them into practical assets for everyday financial use. The Phi Wallet mobile app lets you buy, own, and sell real, certified gold that's stored in world-class vaults and verified independently. It's built for those who believe in the real economy and want to build their financial future on solid ground. It's for all people regardless of their wealth status or financial expertise. Phi Wallet delivers value preservation and empowers people to plan their future financial goals confidentially by protecting their hard-earned money.
1. Download the Phi Wallet mobile app 2. Create your Phi Wallet account 3. Complete identity verification (KYC) 4. Transfer funds to your Phi Wallet account 5. Buy gold and start building your wealth 6. Save, sell, or withdraw your funds anytime; it's all up to you!
The “Know Your Customer” (KYC) step is a legal requirement that builds trust in the financial system, and helps protect against illegal activities. The verification process ensures your assets are solely yours. You'll need to take a picture of your valid original ID and confirm a few details. The process usually takes just a few minutes, and once approved, your account is up and ready. You’ll need to upload a valid ID and confirm a few details. The process usually takes just a few minutes, and once approved, your account is fully active. We know it can feel tedious, but we take it seriously — because transparency and security matter more than shortcuts. At Phi, we enable the right people to build real, lasting wealth, not speculation.
Yes, your gold belongs to you. You can request physical delivery for amounts of 100 grams or multiples thereof, up to 1 kg per shipment, directly from the app. Shipping and insurance fees apply. Once your gold leaves the vault, it's fully in your possession and cannot be sold back through Phi Wallet.
Since our gold is 100% physical, there are fees associated with buying or selling physical gold and for the services provided by Phi Wallet to facilitate convenient access to the physical gold. Our standard fees for purchases in EUR or USD are 5% when buying gold and 3% when selling gold. No hidden fees.
Storage is free for your first year, calculated from the day you create your Phi Wallet account. After that, you'll be charged 0.5% per year on your total holdings, calculated daily, which covers vaulting and insurance.
Phi Wallet does not charge fees on transfers made to purchase gold. SEPA transfers (within the EU) usually take 1–2 business days, while international SWIFT transfers may take 3–5 business days or more, depending on your bank. We don't earn interest on your money.
Phi Wallet does not charge any fees for withdrawals to your bank account. SEPA transfers (within the EU) typically take 1–2 business days, while international SWIFT transfers may take 3–5 business days or longer, depending on your bank. Please note that banks or intermediary institutions may charge their own transfer fees, which are beyond our control.
This feature is coming soon. Once available, you'll be able to send gold within seconds to other KYC-verified Phi Wallet users.
Gold has served as the world's money and store of value for centuries. For people seeking a stable, viable way to build and preserve wealth, gold remains one of the most trusted assets in history. That said, like any asset, gold's price can fluctuate. While the spot price of gold can be affected by market dynamics, we believe real wealth isn’t built on speculations or by timing markets, it's built by owning genuine value, patiently and consistently, over time.
Yes. We have a fatwa explaining the Shariah-compliant model of Phi Wallet and how the immediate ownership transfer “Taqabud” is guaranteed after each transaction. We don't oversell, lend, or leverage your assets. We sell only what we own; and we source gold and precious metals from verified, responsible sources.
While Phi Wallet provides a great experience to buy, sell, send, save, or spend gold, this is just the beginning for us! Our mission is to build a fair and transparent financial infrastructure around real assets like precious metals. We believe people should be able to build and preserve wealth safely, without depending on systems that were never designed for them. With Phi Wallet, you don't just buy gold; you connect to a network where every microgram is real, authentic, and conveniently liquid. You can sell the amount you need, when you need it, without middlemen or hidden risks. And soon, Phi Wallet will go beyond storage and trading; you'll be able to pay directly from your Phi Wallet account for everyday things, send money across borders faster than banks, or gift gold elegantly. The Phi Wallet infrastructure is powered by blockchain, designed for trust, and built to empower you to use your money to its fullest potential.

Gold you own, control, and understand.

We built Phi Wallet to make preserving and growing your wealth simple, safe, and open to everyone.


  • iOS app Phi Wallet download
  • Google Play and the Google Play logo are trademarks of Google LLC. Android app Phi Wallet download

What our users say

Real stories from people who chose a safer, simpler way to own gold.

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I have been using the app for several weeks and couldn't be happier with the experience.
— Yasmin S ,