Gold Notes — Available to Qualifying Persons Only
Fixed 18%
per annum.
Paid monthly.
USGCX Gold Notes are a Fixed Rate Loan Note arrangement. You lend capital to USGCX. We pay you fixed monthly interest and return your principal at the end of the term. Available to High Net Worth and Qualified Sophisticated persons globally.
You are lending money to USGCX, not buying a financial product. Capital at risk. Not a deposit. Independent advice recommended. Available to qualifying persons only.
The arrangement
You are the lender.
We are the borrower.
USGCX Gold Notes are a commercial lending arrangement. When you participate in Gold Notes, you are lending money to USGCX — not buying gold, not opening a savings account, and not making a deposit with a bank.
USGCX uses the capital you lend in its gold trading operations. From the proceeds of those operations, USGCX pays you a fixed contractual interest rate — up to 18% per annum, paid monthly — and returns your principal at the end of the agreed term.
Your capital does not move with the gold price. You are not exposed to gold market risk. You are exposed to USGCX's ability to repay — which is why we maintain a cash reserve, hold physical gold as security, and appoint an independent Security Trustee to hold a charge over our assets on your behalf.
This is a straightforward lending arrangement. Your loan is documented in a signed Fixed Rate Loan Note Certificate.
Return tiers
Tiers and minimums.
Tier 1
per annum
Monthly: 0.83%
Min loan: $10,000
Tier 2
per annum
Monthly: 1.00%
Min loan: $20,000
Tier 3
per annum
Monthly: 1.25%
Min loan: $50,000
Tier 4
per annum
Monthly: 1.50%
Min loan: $100,000
Interest is paid directly to your registered account on a monthly basis. At the end of your term, your principal is returned in full. Minimum term is 12 months. Interest rates are fixed for the duration of your term.
The mechanics
How it works.
You lend capital to USGCX
You transfer funds to USGCX. You receive a signed Fixed Rate Loan Note Certificate confirming your principal, interest rate, term and repayment schedule.
USGCX uses your capital
USGCX pools lent capital and uses it in its gold trading operations to generate the returns that fund your monthly interest payments.
You receive monthly interest
On a fixed date each month, USGCX pays your agreed interest directly to your account.
Principal returned at term
At the end of your term, USGCX returns your principal in full. You may choose to renew at the prevailing rate.
Security structure
What backs your loan.
Fixed Charge Over Assets
USGCX grants a fixed and floating charge over company assets — including physical gold inventory and commercial loan receivables — to an independent Security Trustee. In the event of USGCX default, the Trustee enforces that charge on behalf of all noteholders.
Independent Security Trustee
A third-party Trustee holds the legal charge over USGCX's assets. The Trustee is not affiliated with USGCX and acts solely in the interest of lenders.
Signed Loan Note Certificate
Every lender receives a signed Loan Note Certificate — a legal document stating principal, interest rate, term, security details and repayment schedule.
This is a commercial lending arrangement between you and USGCX. It is not a deposit and is not covered by any government deposit protection or compensation scheme. If USGCX is unable to repay, you may lose some or all of your capital. Independent financial and legal advice is strongly recommended before committing any funds.
USGCX Gold Notes are a private lending arrangement available exclusively to:
- High Net Worth Individuals — individuals with sufficient financial resources to absorb the full loss of the amount lent without material impact on their financial position.
- Qualified Sophisticated Persons — individuals with relevant knowledge and experience to evaluate the risks of an unregulated commercial lending arrangement independently.
- Corporate and Institutional Entities — companies and institutions acting through authorised signatories, subject to full KYC/AML verification.
All individual participants must complete a signed eligibility declaration before accessing Gold Notes. Gold Notes are not available to retail persons, minors, or residents of jurisdictions where such arrangements are prohibited by law.
FAQ