Goldwise unveils platform to transform access to physical precious metals

Goldwise unveils platform to transform access to physical precious metals

Goldwise, a UK fintech and one of the latest members to join Fintech Wales, has launched its trading platform, introducing a modern approach for savers and investors to access and own physical gold, silver, platinum and palladium.

Announced on 14 April 2026, the platform enables users to buy, manage and sell fractional amounts of physical precious metals through a secure mobile app, addressing longstanding limitations in how investors access the asset class.

Precious metals have historically been regarded as a reliable store of value, with gold in particular delivering strong long-term returns and often behaving differently to other major asset classes. However, access to these investments has remained relatively unchanged. Investors are typically faced with a choice between financial instruments such as ETFs or tokenised gold, which provide price exposure without direct ownership, or traditional bullion dealers, which can involve higher costs, large minimum purchases and less flexible processes.

Goldwise has been established to modernise this experience. At the centre of its offering is the Goldwise Engine, a proprietary infrastructure that brings together customer onboarding, institutional pricing and execution, payments, allocation, custody and recordkeeping into a single scalable platform. This technology enables fractional trading of London Bullion Market Association (LBMA)-approved bars from as little as £5 (0.001 troy ounces), alongside 24/7 trading, conditional orders and real-time portfolio tracking.

The platform operates through two distribution channels: the Goldwise App, designed for direct-to-consumer use, and Goldwise Connect, a precious-metals-as-a-service solution that enables wealth platforms and financial institutions to integrate physical precious metals trading. This dual approach positions Goldwise as both a consumer-facing fintech and an infrastructure provider to the wider wealth ecosystem.

At launch, customers benefit from 12 months of free vaulting, with transparent pricing and no hidden charges. Customer holdings are reconciled daily and stored in insured, audited institutional vaults in locations including London, Zurich and New York. Customer funds are safeguarded under FCA-regulated e-money arrangements.

Goldwise was founded by Jatin Patel and Gareth Tucker, former Royal Mint executives who previously led the transformation and scaling of its precious metals division, including building its platform, driving growth and launching a gold-backed exchange-traded product.

Gareth Tucker, Co-founder of Goldwise, said:

“Investing in most asset classes has become simple, digital and accessible – but physical precious metals have been left behind. Customers still face outdated buying experiences, marked-up pricing and limited trading functionality. Goldwise was built to change that, making precious metals investing easy, secure and efficient for all.”

The launch comes amid growing demand for physical precious metals, driven by inflationary pressures, high government debt, geopolitical conflicts and sustained central bank buying, as well as increasing industrial use in sectors such as aerospace and renewable technologies.

“Precious metals are not just a safe haven in times of uncertainty or a source of strong historical returns – they are much more than that. Embedded in nearly all modern technologies, they are truly the foundations of our future,” Tucker added.

Jatin Patel, Co-founder of Goldwise, said:

“One of the biggest frustrations for savers and investors is that physical precious metals are rarely available through their existing banking or wealth platforms in amounts and fees they can afford. Goldwise is here to change that.

“We’re starting in the UK and will scale across Europe, US and then Asia, with the ambition for Goldwise to become the underlying infrastructure to connect the physical precious metals ecosystem and power global distribution and access to physical precious metals.”

Goldwise is now available to UK customers via its iOS app, with Android and web platforms set to follow. Over the next 18 months, the company plans to expand its offering to include whole coins and bars for vaulting and physical delivery, automated recurring purchases, and features enabling customers to earn interest on uninvested cash and yield on their precious metals holdings.

The company has also announced plans to launch a crowdfunding campaign on Crowdcube, offering investors the opportunity to participate in its next stage of growth.