A banking card minted from one troy ounce of pure .999 silver. Your credit limit equals your silver deposits. Every transaction settles at the live spot price.
Texas House Bill 1056 designates gold and silver as legal tender for state transactions, taking effect September 2026. It's the first major state-level recognition of precious metals as money in modern American finance — and it won't be the last.
Under Basel III accords, physical precious metals are reclassified as Tier 1 banking assets — the same category as cash and sovereign bonds. Banks can now hold silver at full face value with zero risk weighting. Physical silver is no longer a speculative commodity. It's a reserve asset.
The world has consumed more silver than it produces for four consecutive years. Industrial demand from solar panels, EVs, and semiconductor manufacturing continues to outpace mining output. Silver-backed banking uses this structural supply tension to your advantage — your deposits hold real metal, not a paper promise.
Silver is the only asset on Earth with simultaneous industrial and monetary demand. Solar installations require 20g per panel. EV charging infrastructure, 5G networks, and medical devices are all silver-dependent. At the same time, monetary demand from central banks and individuals is accelerating. Both forces push in the same direction.
| Provider | Annual Storage | Transaction Fee | Entry Cost | Rating |
|---|---|---|---|---|
| Argentum | 0.25–0.5% | Spot rate | None | Lowest |
| Glint | 0.84% | 0.5% per transaction | None | Moderate |
| Kinesis | ~2.5% | 0.45–0.65% per transfer | None | High |
| GoldMoney | 6–8% | Variable | None | Very High |
| VeraCash | ~1.2% | Variable | 7% entry | High |
Your silver is held in fully allocated, segregated vault storage. Allocated means each ounce is specifically assigned to you — not pooled with other depositors. Segregated means your metal is physically separated. It is never lent out, rehypothecated, or used as collateral by Argentum. Full third-party audit trail on request.
Your credit limit adjusts in real time with the silver spot price. If silver falls, your available credit decreases proportionally — similar to a margin account. You always hold the underlying metal, so a price decline reduces your credit capacity but doesn't create debt. You owe nothing beyond what you've already spent. Silver's multi-decade track record makes sustained declines historically brief.
Everywhere your silver-backed card is accepted — the same as any standard debit or credit card. Each transaction converts at the live spot price at time of purchase. Your vault balance decreases by the equivalent ounces. No cash-out needed, no waiting period, no conversion friction. Your silver becomes spendable money instantly.
Argentum is being built in full compliance with applicable financial regulations. Our vault operations partner with licensed custodians, and card issuance operates under established payment network frameworks. We are currently in pre-launch and will publish our full regulatory and licensing disclosures before any customer funds are accepted. Join the waitlist for updates.
| Provider | Annual Fees | Transaction Fees | Physical Card | Silver Support | Regulatory Status | Geographic Availability |
|---|---|---|---|---|---|---|
| Argentum | 0.25–0.5% | Spot rate only | ✓ .999 Silver card | ✓ Silver | Pre-launch | US (launching) |
| Kinesis Money | ~2.5% | 0.45–0.65% per transfer | ✗ Standard card | ✓ KAG token | Licensed (AU) | Global |
| Glint Pay | 0.84% | 0.5% per transaction | ✗ Standard card | ✗ Gold only | FCA Regulated (UK) | UK / US / EU |
| GoldMoney | 6–8% | Variable | ✗ No card | Gold primary | Licensed (Jersey) | Global |
| VeraCash | ~1.2% | Variable | ✗ No card | ✓ Silver | AMF Regulated (FR) | Europe |
Deposit physical silver into your Argentum vault. Each ounce is allocated, insured, and held in your name. Your metal, your property.
Receive a card minted from one troy ounce of .999 fine silver. Your credit limit equals the real-time value of your silver deposits.
Every transaction converts at the live silver spot price. When silver rises, your purchasing power rises with it. Real wealth, real time.
Your credit limit is determined by the physical silver you hold on deposit. No credit checks. No unsecured debt. Your metal is your limit.
All transactions settle at the current silver spot price. Your balance is denominated in ounces, not dollars. When silver moves, your value moves.
Not titanium. Not stainless steel. One troy ounce of .999 fine silver, minted into the card you carry. The card itself has intrinsic value.
Every ounce is fully allocated and segregated. Your silver is yours, not rehypothecated, not lent out, not paper promises. Full audit trail.
For thousands of years, silver was money. Argentum is bringing it back. Join the waitlist and be first in line.