Malaysia's Allocated Gold Platform

Own real gold.
Not just exposure.

eMas Estate is an allocated custody gold platform — every gram you hold is physically segregated, independently verified, and redeemable on demand. No paper gold. No rehypothecation.

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Custody Model
100% allocated
Reserve Check
Daily reconciliation
Redemption
Physical bars & coins
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The Problem

The gold market is
broken by trust gaps.

Most gold investment products expose you to price risk without real ownership. Allocated custody changes everything — your gold is yours, not the operator's balance sheet.

  • Unallocated gold can be rehypothecated or lost if operator fails
  • Digital gold tokens often lack direct custody linkage
  • Paper gold creates counterparty exposure, not ownership
  • Physical storage is expensive and inaccessible for most
⬡
Allocated Custody
Your gold is physically segregated in a licensed vault. Identified to you specifically — never pooled into operational assets.
◈
Verifiable Reserves
Daily reconciliation. Public proof-of-reserve snapshots. Independent auditor attestations every quarter.
▣
Physical Redemption
Convert your digital holding to physical bars or coins, with delivery to your address. Minimum 5g redemption threshold.
⬟
Shariah Compliant Path
Wakalah-based structure with actual possession and redemption control — not just a label.
Process

From account to
allocated gold in 4 steps.

A clean, verifiable flow from onboarding to physical custody — no black boxes.

01
👤
eKYC Onboard
Complete electronic identity verification. Regulatory-grade AML/KYC review with automated risk assessment and device binding.
02
💳
Fund Account
Top up via FPX, bank transfer, or corporate remittance. Funds held in segregated client money accounts — separate from operator assets.
03
📊
Get Live Quote
Real-time LBMA-referenced gold pricing with clear spread disclosure. Time-locked quotes for execution certainty before confirmation.
04
🏆
Buy & Allocate
Trade executes. Ledger posts. Physical allocation confirmed within 24 hours. Your wallet shows real-time gram holdings and reserve status.
Transparency

Proof of Reserves —
not a promise, a record.

Every liability is matched to physical inventory. Every snapshot is cryptographically signed. Our public reserve dashboard updates daily — not quarterly.

Custody Model
100%
Allocated · Segregated
Reconciliation
Daily
Liabilities vs Inventory
Audits
Qtrly
Independent Attestation
Proof Format
MKL
Merkle Inclusion Proof
Reserve Status ◉ Fully Backed
Last Reconciliation Today, 08:00 MYT
Custody Inventory In Sync
Last Audit Snapshot Q4 2024
Proof Publication ◉ Published
Operator Continuity SPV Insulated
◈ Reserve verification is independent of operator solvency. The custody SPV holds assets on behalf of customers. Customer beneficial ownership survives operator failure.
Legal Architecture

Custody built to
survive operator failure.

Customer
Beneficial owner of allocated gold. Holds redemption rights. Not exposed to operator balance sheet or insolvency risk.
eMas Estate Sdn Bhd (OpCo)
Platform operator: trading, client services, KYC. Does not hold customer gold as principal on its balance sheet.
Custody SPV / Trust
Bankruptcy-remote entity holding physical gold specifically for customers. Independent trustee oversight. Insulated from OpCo insolvency.
Licensed Vault / Custodian
Physical gold stored in licensed vaulting facility. Regular bar-level inventory reconciled against customer ledger daily.
01
No Rehypothecation
Customer gold is never lent, pledged, or used as collateral. The custodian agreement explicitly prohibits reuse of allocated holdings.
02
Bankruptcy-Remote SPV
Assets held by the custody SPV are legally insulated from eMas Estate's creditors. Operator insolvency does not freeze customer gold.
03
Daily Bar Reconciliation
Physical bar-level reconciliation against customer ledger. Every gram is identified — not pooled. Discrepancies trigger automated alerts immediately.
04
Independent Oversight
Independent trustee monitors SPV and customer assets. Quarterly audit attestation published to the public PoR dashboard.
Phase 3 · Gated Access

The Settlement
Token Layer.

⚠ Important Notice.
The token layer is not yet a public offering. Tokenization features are phase-gated and only activated under an approved legal and regulatory structure. Participation is subject to eligibility, jurisdiction, and accreditation requirements. This section is for information purposes only.
Architecture

Token is a settlement rail.
Not the ownership record.

Allocated custody and the internal ledger remain the source of truth for all gold positions. The token layer adds programmable settlement, governance, and partner ecosystem rails — not ownership reassignment.

Phase 1 · Allocated Wallet
Core gold ownership product — eKYC, trading, custody, PoR. Active now.
Phase 2 · Distribution & SME
Corporate treasury, payroll gifting, API and white-label partner programme.
Phase 3 · Token Integration
Programmable settlement token. Minted only after custody confirmation. Burned on redemption. No unbacked supply ever.
Indicative Tokenomics
Public Sale
30%
Ecosystem Reserve
25%
Team & Advisors
15%
Treasury
15%
Strategic Partners
10%
Contingency
5%

All vesting schedules and final allocation are subject to regulatory approval. Token distribution occurs only when all milestones and legal conditions are met.

Enterprise

Built for
corporate gold strategy.

🏛️
SME Treasury
Deploy idle corporate cash into allocated gold as a treasury reserve. Custom sub-account structure, daily reporting, and compliance documentation for GLCs and corporates.
🎁
Payroll & Gifting
Issue gold-denominated benefits, bonuses, and corporate gifts. Automated bulk allocation with individual employee wallets and full redemption rights preserved.
🔗
API & White-Label
Embed eMas Estate infrastructure into your own product. REST API, webhook events, white-label app shell, and partner custody arrangements available.
Timeline

Phased rollout.
Disciplined execution.

◉ Active · Phase 1
Allocated Wallet
  • eKYC onboarding pipeline
  • Core trading infrastructure
  • Allocated custody integration
  • Daily PoR reconciliation
  • Physical redemption flow
  • Public reserve dashboard
Phase 2
Distribution & SME
  • Corporate sub-accounts
  • SME treasury module
  • Payroll gifting tools
  • Partner API v1
  • White-label shell
  • GLC & enterprise onboarding
Phase 3
Token Integration
  • Regulated token framework
  • Settlement token mint/burn
  • On-chain PoR anchor
  • Token investor dashboard
  • Governance activation
  • Cross-border pilot
Common Questions

Frequently
asked.

Yes. Every gram you purchase is backed by physical gold held in a licensed vault. Your holding is allocated — identified to you specifically in bar-level records — not a claim on a pool. You can verify this through our public proof-of-reserves dashboard and request physical redemption at any time.
Yes. Physical redemption is a core product feature, not a future promise. You can request delivery of bars or coins from a minimum of 5 grams. Your balance moves to a reserved state during processing, and dispatch is completed within the published SLA timeline with full tracking.
Customer gold is held inside a custody SPV — a separate, bankruptcy-remote entity — not on eMas Estate's balance sheet. If the operating company were to fail, the custodian and trustee continue to protect customer assets. Your gold does not become part of eMas Estate's insolvency estate.
No. Tokenization is a Phase 3 feature and is not yet active. It will only be enabled once the appropriate regulatory and legal framework is in place. The core allocated gold platform (Phase 1) is fully operational independent of any token functionality.
eMas Estate is structured to support a Shariah-compliant pathway using a wakalah-based model. The allocated nature of gold ownership — with actual physical possession available through redemption — is central to this structure. A formal Shariah governance board is part of the roadmap.
Gold prices are referenced from LBMA spot pricing in real time. A transparent spread is applied to cover execution, custody, and operational costs. All fees are disclosed before you confirm any trade — no hidden charges. Storage fees are disclosed in the fee schedule and apply based on holding size.
Ready to Begin

Gold ownership that
holds up to scrutiny.

Join the waitlist for early access — allocated custody, verifiable reserves, physical redemption. Malaysia-first.

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