September 27, 2026
Gold-backed money for Texans
Pay with real gold.
TxGold is digital money backed one-for-one by physical gold held in the Texas Bullion Depository. Send it to friends and family for free, pay Texas businesses that accept it, and redeem it for physical gold whenever you choose.
Available to Texas residents. Own a business? Accept TxGold →
- 1 TxG = 1/1000 troy ounce
of physical gold, 100% backed - Texas Bullion Depository
stored in Texas, insured by Lloyd's of London - Your gold stays yours
we hold it for you under a bailment agreement and never own it - Texas-based company
registered with FinCEN as a money services business
Who it's for
Built for everyday Texans and the businesses they buy from
For individuals
- Send gold to anyone, free. No fees between individuals, ever.
- Keep savings in something real. Gold has held its value for 4,000 years while the dollar keeps losing purchasing power.
- Fund with crypto or gold. Bitcoin, Lightning, Solana, Cardano, or physical coins and bars.
For businesses
- Instant, final settlement. Payments land in your account immediately — no chargebacks, no disputes, no waiting for a deposit.
- A flat 1% fee. Less than most card processors, and nothing for your customers.
- Team access with roles. Owners, managers, and employees each get the permissions they need. API access for online checkout.
How it works
Three steps from download to gold in hand
- 1
Fund your account
Download the app and verify with your Texas ID. Add gold by sending crypto, buying coins from a dealer, or shipping gold you already own.
Funding options → - 2
Send and spend
Pay anyone with a TxGold account in seconds — individuals for free, businesses with a 1% fee that the business pays. Every payment is signed on your phone.
Common questions → - 3
Redeem for physical gold
Whenever you want, trade your balance for real coins or bars, starting at one ounce. Gold is stored in a pooled vault account, so you redeem by weight rather than for a particular coin.
Redemption details →
Is this crypto?
No. It's gold, with a simpler way to use it.
TxGold runs on a high-speed private network. Every TxGold is a claim on a specific weight of physical gold held in a vault in Texas. There is no token to mine, no price to speculate on, and no seed phrase to lose. With that said, we do share one feature in common with crypto: every payment is digitally signed on your own phone, so your account number can be shared freely — without the risk of someone else using it.
We don't think of TxGold as an investment. It's money that holds its value: a way to keep savings and make payments in gold, the way people did for thousands of years before the dollar.
Gold is coming back as money in Texas
Texas recognized gold and silver as legal tender in 2025
House Bill 1056 lets Texans use gold and silver to pay for everyday goods and services through approved electronic systems, taking effect in 2027. TxGold has been building exactly that since 2019 — a private, gold-backed payment network based in Texas — and we're ready for what comes next.
Read the bill →From the blog
