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, one gram at a time.

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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 only when your funds arrive. 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, not chasing short-term gains.

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Transparent costs

Phi Wallet follows real-time gold prices — no inflated premiums, only a transparent, competitive spread. Storage and delivery fees are clearly listed in our Terms & Conditions and FAQ, so you always know what you’re paying for.

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Our ethics, our foundation

We sell only gold we own, certified and pure, sourced from trusted bullion markets, with every gram traceable and verifiable. 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 open-source systems to keep full control and security.

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We don’t trade on blockchain — we build on it

Our infrastructure is built on the XRP Ledger, a carbon-neutral blockchain used worldwide, to create transparency—not another coin. Every movement of gold is immutably recorded on a public ledger, making Phi auditable, accountable, and built on truth.

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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 stays liquid and authentic in our vaults, with guaranteed buyback — real value you can count on when it matters most. We only buy back gold stored in our vaults, not delivered gold.

  • Coming soon — Phi Pay


    Use your gold directly for payments, bringing even more freedom and utility to your wealth.


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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. Your information stays private and encrypted at every step.

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    2. Add money safely


    Deposit via secure bank transfer to our Portugal account. Once funds arrive, buy real gold instantly at transparent, real-time prices. Outside SEPA, transfer fees may apply from your bank.

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    3. Own real gold


    Each purchase equals 999.999 pure gold, certified by global authorities and stored in insured, audited vaults in Singapore. Storage is free for the first year, 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 — not paper, not pooled, not borrowed. We only sell what we physically hold in segregated vaults. Each purchase includes a detailed receipt with quantity, purity, and origin, plus a unique reference tracing its source. You have the right to know where and how your gold is safeguarded, we’ll share additional vault info on request. Ownership is recorded on an immutable ledger and confirmed by independent audits. No overselling, no third-party risk.
Two independent checks verify your holdings 1:1 with the vault inventory — a Shariah audit and an audit by a global Big 4 firm. We publish audit results when complete, because proof shouldn’t be private.
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 a gold retailer — gold is only the beginning. Our mission is to build a modern precious-metals infrastructure that makes these assets part of the everyday financial ecosystem. We want to make precious metals accessible to everyone: simple to buy and sell, safe to build and preserve wealth. Gold is one of the world’s most reliable stores of value, but we go further. With blockchain, we bring full transparency and traceability to gold ownership, while creating an infrastructure that gives people back control. That means: Access for all: Buy precious metals in small fractions, once reserved for the richest or for governments. Liquidity on demand: Sell back any amount of your gold whenever you need it. Everyday use: Soon you’ll be able to pay for coffee, use gold as collateral for a mortgage, or transfer value abroad — faster and cheaper than banks. How do we do this? With blockchain and our unique technology — combining the stability of gold with the speed, transparency, and freedom of the digital world.
Phi Wallet is a global app that lets you buy, own, and sell real, certified gold — stored in world-class vaults and verified independently. It’s built for people who want to take control of their finances and think that building wealth is complicated and require financial digrees, it is for sceptics who beleive that the current financial system is making poorer and not richer, it is for people who do not want to speculate but who understand that money is hardly earned to be eaten away , and own real value — without complexity or risk.
1. Download the app. 2. Verify your identity (KYC). 3. Transfer funds via bank transfer to your Phi Wallet account. Once received, you can buy real gold instantly — starting from just €1.
Just like any regulated financial institution, this “Know Your Customer” (KYC) step is a legal requirement that keeps both your assets and our community safe. 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 20 grams or more, directly from the app. Shipping and insurance fees apply. Once your gold leaves the vault, it’s fully in your hands and no longer part of Phi Wallet’s buyback system.
Simple Pricing: 5% spread when buying 3% spread when selling You’ll always see the exact price and fees before confirming your transaction — no hidden costs, no small print.
Storage is free for your first year. After that, 0.5% per year on your total holdings — covering vaulting and insurance.
You can fund your Phi Wallet via secure bank transfer. SEPA transfers (within the EU) usually take 1–2 business days, while international SWIFT transfers may take 3–5 business days, depending on your bank. We credit your Phi Cash Account as soon as your funds are received — we don’t hold or profit from your money in transit. Our blockchain ledger records each step to ensure full transparency from transfer to credit. Phi does not earn interest on client funds or delay deposits for profit. This is part of our core principles: we operate on fairness, not financial engineering.
This feature is coming soon. You’ll be able to send gold instantly to other verified Phi Wallet users.
Gold has preserved its value for centuries — it stands apart from inflation, politics, and digital trends. 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 can rise and fall in price. Recently, it has climbed sharply, reaching levels that even seasoned investors consider speculative. While many of our users welcome these gains, we always encourage a long-term approach: buy gold to protect your wealth, not to gamble on quick profits. At Phi, we believe real wealth isn’t built by timing markets — it’s built by owning genuine value, patiently and consistently, over time.
Yes, built on ethical, transparent finance inspired by Shariah values. We don’t lend, trade, or leverage your assets. We sell only what we own and buy from verified, responsible sources.
Phi Wallet isn’t a gold retailer — gold is just where we started. Our mission is to rebuild 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, you don’t just buy gold — you connect to a network where every gram is real, traceable, and instantly liquid. You can sell the amount you need, when you need it, without middlemen or hidden risks. And soon, Phi will go beyond storage and trading — you’ll be able to use your gold to pay for everyday things, send money across borders faster than banks, or even use it as collateral for credit. All of it powered by blockchain, designed for trust, and built to give you back control over your money.
No hidden fees — ever. Spreads (5% buy / 3% sell) and storage (0.5% annually after your first free year) are shown clearly in-app. We don’t add margins to prices or transfers. As we launch new products like Phi Instant or Phi Pay, any related costs will be disclosed in our Terms & Conditions and reflected here.

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 ,