Keep Your Money Safe From Inflation

Buy, Own, and Sell Physical Gold Instantly with Confidence.

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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

Fully featured to keep your money only yours.


Buy 999.9 LBMA Physical Gold

Pure gold that follows the strict specifications of LBMA.

Phi wallet

Secure Vault

Gold is safely stored in one of the world most trusted, reputable precious metal vaults.


Regularly audited

The reserves within Phi wallet are audited by independent 3rd party. The audits will be available on our site.


Instant cash

Convert your gold into cash and get paid directly into your Phi account immediately.


Shariah compliant

Achieve your financial goals without compromising your beliefs.

Gold Is The Real Money!

Digitally buy, physically own! a revolutionary way to enjoy the security that only gold can provide.

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    No budget restrictions

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    Assured liquidity

App screen

Get started with Phi in 3 easy steps

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    1. Download the app

    Download Phi app from the App Store or Google Play.

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    2. Verify your identity

    Verify your identity by going through our KYC process.

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    3. Make a deposit

    Make a deposit to your Phi account using your EUR bank account. USD is coming soon.

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    All set to go!

    You're all set to start building your wealth!

Secure Your Money with Gold

Shield your funds by turning to gold, a dependable guardian of value.

  • iOS app Phi Wallet download
  • Google Play and the Google Play logo are trademarks of Google LLC. Android app Phi Wallet download
At Phi Wallet, full ownership of your gold acquisitions is guaranteed. Each purchase is physically stored in our highly secure vaults and remains off our financial balance sheet, ensuring that you remain the sole legal owner of your assets, regardless of Phi Wallet's future.
Despite fluctuations, gold has risen over 50% in the past 5 years. Historically, its price tends to rise in times of economic uncertainty. Investors turn to gold to preserve their money from inflation and diversify their portfolios. Regularly saving in gold mitigates short-term fluctuations, securing savings and building long-term wealth.
Phi Wallet is building trust by technical design, where you get to buy real gold through a transaction confirmed by a reputable blockchain technology.
All it takes is signing up, confirming your identity(KYC), initial deposit, and you are all set.
Sure, it's your gold. When you ask us, we prepare your shipment to be sent wherever you need it to be. The added cost is only calculated upon your request.
While stores and jewelry shops charge a commission ranging from 10% to 30%, at Phi Wallet we aim to make gold accessible to everyone. Therefore, we apply only a 5% commission when buying and 3% when selling. Moreover, these commissions decrease as the user advances in rank.
Free of charge for European residents with a bank account within the EU. For international transfers from outside the EU, Swift fees may apply and supported by the user.
Free of charge for EU residents holding a bank account within EU. 45€ for non-residents in the EU, regardless of the destination account.
Each transaction, whether it's a purchase or sale, is securely recorded on the blockchain. This ensures that every financial interaction is transparent, tamper-resistant, and cannot be deleted or manipulated.
1-2 business days for processing transactions within SEPA and 2-4 business days for processing international transfers
With Phi Wallet, you can rest assured that your gold is safe and secure, and you can access it anytime, anywhere. Enjoy a 1 year storage for free, after that, you'll only be charged 0.5% per year
Deposit times vary depending on the bank and wire type. SEPA transfers take 1-2 business days, while SWIFT transfers take 3-5 business days. Some banks, like Revolut, offer immediate wire transfers, in that case your balance will be updated within one working day.
You will be able to transfer money and gold to other verified Phi wallets. Subscribe to obtain early access when available.
Our gold and cash reserves are audited by a top global auditor, ensuring complete transparency and security. Audit reports will be available on our website for your peace of mind.
The gold is physically stored in a world-class gold vault located at Le Freeport, 32 Changi North Crescent, Singapore 499643. The entire Gold reserve is fully insured.
Yes, Phi Wallet complies with Shariah. We have a Shariah department composed of prominent figures in the field of Islamic finance. In addition, Phi Wallet undergoes semi-annual audits to ensure ongoing compliance with Shariah principles.

Gold is the real money

A trusted way to own convenient, secure, accessible, transferable, pure physical gold.

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

What our clients say about us

Explore real feedback from people just like you.

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