Gold investments and Euro banknotes
Panama Gold Programme

Your Gold. Your Terms. Your Yield.

Allocated gold and silver, vaulted in Panama City, with a monthly yield paid in metal. No storage fees. 24/7 access. Title stays with you.

Schedule Consultation Explore the Programme
IFB Panama Metal Account
1–3%
Historic annual yield, paid monthly in metal. Not guaranteed.
24/7
Trading Access
0%
Storage Fees, covered by platform revenue
100%
Allocated. You hold title to specific bars.
The Problem

What Conventional Storage Costs You

Conventional vaults typically charge 0.5–1% a year and pay nothing. Access runs on business hours and settlement takes days. Whether that matters depends on what you want your metal to do.

📉

Annual Storage Fees

A typical 0.5–1% annual charge, deducted whether the metal moves or not

🔒

Zero Yield on Stored Metal

Stored metal produces no income of its own; the return depends entirely on the price

⏱️

5–10 Day Liquidity Windows

Need to sell or convert? Prepare for business-day-only access and slow settlement

✦

What We Offer Instead

Allocated gold and silver with 24/7 access, and a choice between platform yield or plain custody

5-Year Comparison · €50,000
−€12,500

Traditional vault: cumulative storage fees over five years

+€7,500–€15,000

IFB Panama Gold: net yield earned over the same period

That's a swing of up to €27,500 in your favour.

How It Works

Four Steps to Yield-Bearing Metal

From opening your account to earning monthly yield — a streamlined journey designed for sophisticated investors.

1
📋

Open Account

Complete onboarding with IFB. KYC verification and account setup in under 48 hours.

2
💶

Fund or Transfer In

Two routes. Deposit EUR, USD or GBP and we convert to allocated metal at live rates. Or bring metal you already own: we arrange assay, insured transport and vault intake, then convert it into allocated KAU or KAG without a sale. Eligibility and costs are confirmed before anything moves.

3
🏛

Gold Secured

Physical gold is segregated in your name at the Panama City vault. Fully insured, fully yours.

4
📈

Earn Yield

Receive 1–3% annual yield paid monthly in gold via Kinesis integration. Trade or hold 24/7.

Three Pillars

Built on Ownership, Yield & Liquidity

A gold programme designed for sophisticated investors who refuse to choose between security and returns.

🏛️

Absolute Ownership

Fully allocated, segregated bullion held in the Panama City vault of the ABX network, operated by Brinks and Loomis. Title remains with you and the metal never appears on anyone's balance sheet. Holdings are audited twice a year by Inspectorate, a Bureau Veritas company.

Why Panama?

A territorial tax jurisdiction with no capital controls, and genuine diversification away from US and EU exposure. Panama City is one of thirteen vaulting hubs in the network, so your metal can be moved or redeemed elsewhere if your circumstances change.

💰

Yield-Bearing Metal

Your gold and silver earn Kinesis Holder's Yield, a share of platform transaction fees paid monthly in metal. Minting new KAU or KAG can also qualify you for Minter's Yield, subject to the platform's activity conditions.

What this depends on

The yield comes from transaction volume across the Kinesis platform. It is not interest, it is not paid by IFB, and it is not guaranteed. If platform activity falls, the yield falls with it. Your ownership of the metal is unaffected either way. Historic range 1–3%; we model 1.5%.

🔄

24/7 Liquidity

Trade gold around the clock on the Kinesis Exchange. Spend via the IFB/Kinesis card worldwide. Request physical delivery — securely transported by Malca-Amit on request. No lock-in periods, no waiting. Instant fiat conversions at competitive rates.

Total Flexibility

Your gold, your timeline. Move between digital, physical, and fiat — in minutes, not weeks. Markets don't sleep, and neither does your access.

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•••• •••• •••• 8472
Gold Account Holder
Gold Debit
Spend Your Gold

Spending Your Metal.

Through the Kinesis card, holdings on Route A can be spent where Visa is accepted. Metal converts to fiat at the point of sale. Card availability, limits and fees are set by the card issuer and vary by country of residence.

  • Accepted where Visa is accepted, subject to issuer eligibility
  • Instant gold-to-fiat conversion at live spot rates
  • Settles in major currencies including EUR, USD and GBP
  • Your gold remains allocated until the moment you spend
  • Card controls via the platform app: freeze, limits, transaction history
  • Note: spending metal is a disposal and may be a taxable event where you are resident
Request Your Card
Side by Side

The Numbers Speak Clearly

A direct comparison between conventional vaulting and the IFB Panama Gold programme.

Gold bars with trading charts
Feature Traditional Vault IFB Panama Gold
Storage Cost 0.5–1% p.a. 0% (yield covers it)
Annual Yield None 1–3% paid in gold
Trading Hours 9–5 business days 24/7
Minimum Placement €10,000+ €5,000+
Liquidity 5–10 business days Instant (Kinesis)
Tax Reporting Your responsibility Your responsibility. Statements provided.
Traditional Vault · 5 Years
−€12,500
Cumulative storage fees on a €50,000 placement
Cost incurred regardless of price movement.
IFB Panama Gold · 5 Years
+€7,500 – €15,000
Net yield earned on the same €50,000 placement
Illustrative only. Yield is not guaranteed.
Yield Calculator

Illustrative Comparison

A simple illustration of storage fees against a modelled yield. It assumes a flat 1.5% yield and a flat 0.5% fee, ignores the metal price entirely, and is not a projection of what you would earn.

€50,000
5 Years
Storage Fees Paid
−€12,500
Cumulative storage fees (0.5% p.a.)
Modelled Yield, Route A
+€7,500
At an assumed 1.5% p.a. Yield is not guaranteed and can fall to near zero.
Difference under these assumptions: €20,000
Excludes the introduction fee, transport and assay costs, price movement and any tax.
Use Cases

Who This Tends to Suit

Common reasons clients hold metal with us. None of this is a recommendation; suitability depends on your own circumstances.

🏦

Jurisdictional Diversification

Holding metal outside your home jurisdiction, vaulted in Panama City rather than a US or EU centre. What proportion of a portfolio that warrants is a question for your own adviser.

🔐

Succession Planning

Allocated holdings are recorded against a named title, which makes the asset straightforward to identify in an estate. Succession itself still follows the law of the relevant jurisdiction and needs proper documentation.

📈

Income in Metal

On Route A, yield is credited monthly in gold or silver rather than cash, so the holding grows in ounces. The rate moves with platform activity and can fall to near zero.

🏢

Corporate Reserves

Companies holding part of their reserves in metal rather than cash. Treasurers should weigh the absence of deposit protection, the price volatility and the accounting treatment before doing so.

Why IFB. Why Now.

A Convergence of Opportunity

In an era of geopolitical uncertainty and eroding yields, IFB's Panama Gold programme stands alone — combining boutique advisory expertise with institutional-grade infrastructure.

🤝

One Point of Contact

You deal with the bank directly rather than a call centre, and the same people handle onboarding, the source-of-funds file and the vaulting arrangements.

⚖

Gold and Silver

Both metals are supported as allocated holdings, as KAU and KAG. Silver is not an afterthought here; it carries the same vaulting, audit and yield treatment as gold.

🛡

Two Routes, Openly Priced

Yield through the platform, or plain allocated custody without it. We set out where the risk sits in each and let you choose, rather than presenting one answer as the only answer.

✓

100% Allocated

You own specific, identifiable bars

🔍

Biannual Audits

Independent verification by Inspectorate

🛡️

Fully Insured

Lloyd's-backed comprehensive coverage

⚖️

Licensed Bank

IFB is licensed by AOFA. Vault audits by Inspectorate.

🔒

Segregated Title

Metal is never an asset of Kinesis, ABX or IFB

📋

Full Segregation

Legally separate from all entities

Get Started

Schedule a Consultation

A focused video consultation to establish whether either route fits your situation, what the metal would cost to move, and what documentation you would need. No commitment.

Book a Video Consultation info@if-bank.com
🌐 www.if-bank.com Vaulting: Panama City · Bank: International Finance Bank LTD
Before You Decide

How the Risk Is Distributed

We would rather you read this now than discover it later.

🔗

The Chain

Your metal sits at the end of a chain: IFB introduces and services the relationship, Kinesis Cayman issues KAU and KAG, KMS Labs S.A. in Panama issues the ERC-20 versions, ABX arranges vaulting, and Brinks or Loomis hold the bars. Four jurisdictions stand between you and the metal.

What that means in practice

Your title to the bullion is legal and segregated, so an insolvency at any level does not transfer ownership. What an insolvency would affect is access and timing: the record of your holding sits on a ledger somebody has to operate, and the vault contracts sit between the vault and the network, not between the vault and you. Recovery would be a process, not a withdrawal.

📈

Route A · Yield

Allocated gold and silver through the Kinesis platform. Monthly yield paid in metal, no storage fee, card and 24/7 trading. You contract directly with Kinesis; IFB acts as your disclosed introducer and adviser.

Fee

Introduction and servicing fee: 1% of metal introduced, one-off, minimum USD 1,500.

🔒

Route B · Custody

Allocated, segregated custody without the platform. No yield, no ledger dependency, no card. Fewer moving parts, no monthly credit, and no exposure to platform activity.

Fee

Storage fee 0.6% per annum, minimum USD 900. Both routes accept metal you already own as well as new placements. Onboarding and source-of-funds file: USD 1,850, half credited on completion. Minimum placement USD 50,000.

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Download the Programme Briefing

A four-page briefing: both routes and their prices, where the yield comes from, how the custody chain is structured, and what US persons need to report.

FAQ

Common Questions

Everything you need to know before your first consultation.

A yield-bearing metal account held through a non-US platform is a foreign financial account for FBAR purposes, and may be reportable on Form 8938. Yield credited monthly in metal is generally income when received, and metals are taxed as collectibles on disposal. We will provide statements. We do not provide US tax advice and you should engage a CPA before you open an account.
Your title to the bullion is separate from the solvency of Kinesis, ABX or IFB, and the metal is held under safekeeping for you rather than on any balance sheet. Access is the practical risk rather than ownership: a failure would mean a claims process against vault operators rather than an immediate withdrawal. Route B avoids this dependency entirely.
Yield of 1–3% depends on network velocity across the Kinesis ecosystem. The historical average sits at approximately 2%, paid in gold on a monthly basis. For projection purposes, we use a conservative estimate of 1.5%.
Yes. Holdings are redeemable in physical form, subject to the platform's minimum redemption sizes and to shipping and assay costs, which we will quote before you commit rather than estimate here. Redeemed metal leaves the ledger, so any yield on it stops. IFB can arrange insured transport through a specialist logistics provider.
Fundamentally: you own physical metal, not an ETF share. There is no fund-level risk, the backing is fully transparent, and you receive yield rather than paying management fees. Your gold is allocated and segregated — it exists as specific bars in a specific vault, not as a line item in a fund's holdings.
The programme begins at €5,000. For clients investing €50,000 or more, the full feature suite is available — including dual-key vault access and dedicated advisory support from our Panama Gold team.