ProcessHow 79 Bullion Works?
Everything you need to know about buying, holding, and selling precious metals with us.
Digital Metals
Your metal lives in a secure, audited vault. You own the allocation. No physical handling required.
Pooled Vaulted Storage
When you buy digital metals, your gold or silver is stored in a secure vault operated by our vault partner (Delaware Depository). The metals are pooled - meaning all customer metals are held together in the vault, but each customer's allocation is tracked precisely in our ledger system.
Fractional Ownership & 1:1 Backing
You can buy as little as 1 gram. Every gram allocated to customers is backed 1:1 by physical metals in the vault. Our coverage ratio shows this backing in real time on our Transparency page.
No Storage Fees
There are no monthly or annual storage fees. Hold your metals as long as you like at zero cost.
How to Buy
Select your metal (gold or silver), enter the amount you want in dollars, grams, or ounces, choose your payment method, and complete checkout. Your price is locked for 10 minutes while you finish.
Hold & View
After purchase, your metals appear in your dashboard under Holdings. You can view your balance, current value, and download your Certificate of Holding at any time.
Sell Anytime
Sell part or all of your holdings at any time. The minimum sell amount is 1 gram, and sales are credited instantly to your wallet. The daily sell limit is $20,000.
Redeem
Request a cash payout to your bank account (1-2 business days) or convert your digital metals to physical delivery.
Certificates as Proof of Holding
Every digital purchase generates a unique PDF certificate with a QR code. Certificates can be verified publicly on our Certificate Verification page.
24-Hour Cooling Period
After a digital purchase, that specific lot cannot be sold for 24 hours. This is a standard safeguard. During the cooling period, you can still buy more metals, view your balance, and access your certificate. Your dashboard clearly shows when each holding becomes available to sell.
Minimums:
Cooling Period:
Physical Bullion
We source from top mints via our trusted supplier Elemetal. No internal inventory - your order ships directly from a secure facility.
Supplier: Elemetal
- Dropship
- No internal inventory
- Supplier handles shipping
Dropship Model
Physical orders are fulfilled by our trusted supplier, Elemetal. We do not hold inventory - your order is sent directly from the supplier's secure facility.
Price Lock at Checkout
When you proceed to checkout, your price is locked for 10 minutes. If the timer expires before payment completes, you'll need to restart with a fresh price.
Shipping & Tracking
All physical orders include a $25 flat shipping fee. Once shipped, tracking information is added to your dashboard so you can follow your delivery.
Pricing & Fees
Prices are based on live spot price plus a small spread. Here's exactly what you pay and why.
Spread
Our prices are based on the live spot price plus a small spread. Gold has a tighter spread (~0.8%) while silver has a slightly wider spread (~3.25%) reflecting the market standard.
~0.8%
Gold Spread
~3.25%
Silver Spread
Spread = difference between what you pay (Buy price) and what you receive (sell price).
Transaction Fees
Digital only · Based on order size
$0 – $999
$1,000 – $4,999
$5,000 – $9,999
$10,000+
Payment Method Differences
The base price shown includes a 1% adjustment for credit card payments only. The calculator updates in real time when you change payment methods.
ACH / WireBase Rate
CheckBase Rate
Debit Cards+1.5%
Credit Cards+15%Credit card orders are capped at $3,000 per transaction.
Volatility & Weekend Adjustments
During periods of high market volatility, a small temporary adjustment may be added to protect both buyers and sellers. When primary metals markets are closed (weekends), a modest adjustment is applied.
High Volatility
Small temporary spread increase to protect both parties.
Weekend Markets
Modest adjustment when primary markets are closed.
Adjustments are applied automatically during high volatility or weekends. Learn more in the How It Works section.
Security & Protection
Every account is secured at both the identity and transaction level. Here's what we do to keep you safe.
Required for CardKYC Verification
Identity verification is required for credit card purchases to protect against fraud.
All TransactionsAddress & Card Verification
AVS and CVV checks are performed on all card transactions.
RecommendedTwo-Factor Authentication
Enable 2FA on your account for an extra layer of security.
Always OnFraud Monitoring
IP geolocation, device fingerprinting, and velocity limits protect your account.
Coverage Ratio
Our coverage ratio measures how much metal is in our vault versus the total allocated to customers.
What the ratio means
Our coverage ratio measures the total metals in the vault versus the total allocated to customers. A healthy ratio (above 1.05) means there is more metal in the vault than what is allocated. In rare situations:
Watch (below 1.0x):
An informational notice may appear. No restrictions on buying or selling.
Restricted (below 1.02x):
New digital purchases may be temporarily paused. Selling and redemption remain available.
Halted (below 1.00x):
Digital purchases are paused until the ratio is restored. Selling and redemption remain available.
Vault Holdings
Customer AllocationsCoverage data is updated in real-time and publicly visible on our Transparency page. Regular third-party audits verify vault holdings independently.
Ready to Start?
Join thousands of customers who trust 79Bullion for transparent, secure precious metals ownership.
Note: 79Bullion is a commodity dealer and pooled metals provider. We are not a securities platform. No yields, interest, or investment returns are offered or implied.