Kinesis Money Review: Legit or Not? (goldira.directory)

Kinesis Money: Distinctive Features Overview

Kinesis Money is a groundbreaking financial platform that fuses the enduring stability of gold and silver with the speed and transparency of blockchain technology. This unique blend results in a digital currency ecosystem that provides a secure and reliable alternative to fiat currencies and highly volatile cryptocurrencies.

Digital Currencies Backed by Physical Assets

At the heart of Kinesis Money are its two asset-backed digital currencies:

• KAU, representing one gram of gold
• KAG, representing one ounce of silver

These tokens are fully backed by corresponding physical metals held in secure, insured vaults worldwide. Independent audits—conducted twice a year by Inspectorate International (a Bureau Veritas company)—are publicly available, guaranteeing a 1:1 backing of each digital unit by actual gold or silver.

Innovative Yield System

Kinesis introduces a pioneering yield model that rewards participants within the ecosystem. A portion of global transaction fees is redistributed monthly as yields in physical precious metals.

Yield types include:

• Holder’s Yield: For users who hold KAU and KAG
• Minter’s Yield: For those who create new tokens
• Referrer’s Yield: For users who bring new participants to the platform
• Velocity Yield: For those actively transacting on the network

This system offers users an opportunity to earn passive income while maintaining exposure to physical gold and silver.

Global Use and Payment Integration

Kinesis enables spending of digital metals globally through its virtual and physical debit cards. Backed by Mastercard, the card allows users to spend their gold and silver holdings in real time—bringing tangible assets into everyday financial transactions and bridging the gap between digital assets and real-world utility.

Blockchain Security and Trust

All transactions within the Kinesis system are securely recorded on a blockchain, ensuring full transparency and an immutable ledger. This provides robust fraud protection and traceability.

Partnerships—such as with the Allocated Bullion Exchange (ABX)—further reinforce Kinesis’s credibility, leveraging ABX’s decade-long expertise in the institutional precious metals market.

Robust Platform Features

Kinesis offers a full-featured financial ecosystem that allows users to:

• Trade KAU and KAG against major fiat currencies (USD, EUR, GBP)
• Exchange select cryptocurrencies like Bitcoin and Ethereum
• Conduct instant, low-cost peer-to-peer transactions
• Access a professional trading dashboard
• Use CoolWallet for secure mobile storage

All of these features are accessible through the Kinesis Mobile App, enabling users to manage their assets flexibly from anywhere.

What Is Kinesis Money?

Launched in 2018 by ABX, Kinesis Money is a blockchain-driven financial system that digitizes physical gold and silver. It allows for seamless transactions, storage, and usage of these precious metals worldwide, offering a stable alternative to traditional money and crypto assets.

Key Benefits of Kinesis Money

1. Real Asset-Backed Currencies
   • KAU: 1g of gold per token
   • KAG: 1oz of silver per token
     Fully allocated and stored in globally dispersed, high-security vaults.
2. Earning Potential Through Yields
   Participants earn physical metal yields monthly through ecosystem activity—transforming non-income-generating assets into productive holdings.
3. Spendable Gold and Silver
   Virtual and physical Kinesis debit cards make it easy to use digital metals in everyday transactions.
4. Blockchain-Powered Transparency
   Blockchain technology ensures all transactions are secure, traceable, and free from manipulation.
5. Multi-Currency Support
   The platform allows for trading between digital metals, fiat currencies, and cryptocurrencies—all in one unified environment.
6. Audited Secure Storage
   Vaults in locations like London, Zurich, New York, Singapore, and Sydney store metals securely. Audits are conducted biannually and are publicly accessible through the platform.

How It Works

• Minting: Users can convert their physical gold and silver into digital tokens (KAU/KAG), gaining access to liquidity and yield rewards.
• Trading: Tokens can be exchanged with fiat or crypto via the Kinesis Exchange.
• Spending: With the Kinesis card, users can spend digital metals just like cash.
• Storing: Assets are safely stored in insured vaults, with yields paid regularly.

Why Choose Kinesis Money?

Advantages:

• Inflation Resistance: Backed by precious metals
• Income Potential: Through yield generation
• Security and Transparency: Via blockchain and third-party audits
• Global Utility: Spendable through Mastercard integration
• Cost Efficiency: Low transaction fees
• Decentralized Control: Direct ownership of assets

Challenges:

• Metal Price Volatility: Gold and silver values can fluctuate
• Adoption Hurdles: Mainstream usage is still evolving
• Learning Curve: May require a basic understanding of blockchain concepts

Who Should Consider Kinesis Money?

• Investors seeking inflation-hedged assets with income generation
• Individuals who want secure, audited precious metals holdings
• Merchants and consumers exploring digital precious metal payments
• Anyone aiming to diversify with blockchain-integrated financial tools

Getting Started with Kinesis Money

1. Register at the official Kinesis Money website
2. Complete the KYC process
3. Purchase KAU or KAG using fiat or cryptocurrency
4. Store, trade, or spend your digital metals using the platform and mobile app

Kinesis Money revolutionizes how we interact with gold and silver, combining the security of real assets with the convenience of digital finance. By offering asset-backed currencies, transparent operations, and real-world usability, Kinesis provides a compelling alternative for anyone seeking stability, liquidity, and ethical financial tools in the digital age.

Who Leads Kinesis Money?

Kinesis Money is driven by a leadership team with broad expertise across finance, fintech, cybersecurity, and precious metals. Key figures include:

• Thomas Coughlin – CEO
  With nearly two decades of experience in investment and bullion markets, Thomas has played a key role in building global precious metal trading networks, offering deep insights into capital markets.
• Jai Bifulco – Chief Commercial Officer
  Jai brings a successful track record across FinTech, financial services, and precious metals, known for innovative strategies that support Kinesis’s global adoption.
• Richard Melbourne – Chief Operating Officer
  An expert in execution and operational strategy, Richard has a background in fintech and bullion, enhancing Kinesis’s customer experience and business development.
• Andrew Maguire – Director
  A veteran in the precious metals industry, Andrew brings five decades of expertise, advising major global institutions and fostering strong regulatory relationships.
• Jason Noorman – Chief Technology Officer
  Jason has led major tech initiatives in fintech and finance. Formerly CTO of Pepperstone Group, he brings strategic clarity and proven success in technological transformation.
• Nate Fisher – Chief Information Officer
  With 30 years in IT, including work in cybersecurity for the U.S. Department of Defense sector, Nate oversees the secure management of Kinesis’s digital infrastructure.
• Shane Morand – Strategic Consultant
  Known for scaling global direct sales operations, Shane co-founded a multinational coffee company and brings entrepreneurial strength to Kinesis’s growth.

This collective expertise supports Kinesis Money’s vision to integrate gold and silver with blockchain for a secure, scalable monetary ecosystem.

Does Kinesis Money Support IRA Investments?

As of January 2025, Kinesis Money doesn’t directly offer Individual Retirement Account (IRA) services. However, its asset-backed digital currencies (KAU and KAG) may be eligible for inclusion in self-directed IRAs, which allow alternative assets.

Those interested in using Kinesis within an IRA should consult a licensed financial advisor or a custodian specializing in self-directed IRAs. These professionals can assist with compliance and integration of Kinesis assets into retirement portfolios.

Products Offered by Kinesis Money

Kinesis provides a wide suite of financial tools combining physical precious metals with blockchain technology. Here’s an overview:

1. KAU and KAG – Digital Gold and Silver Tokens

• KAU: Each token equals 1 gram of physical gold.
• KAG: Each token equals 1 ounce of physical silver.
  Both are 100% backed, auditable, and stored securely in global vaults. They offer real asset ownership, instant liquidity, and full redemption rights for the physical metals.

2. Yield-Earning System

Kinesis rewards users through various yield mechanisms:

• Holder’s Yield – Earn passive income just by holding KAU or KAG.
• Minter’s Yield – For users who mint new Kinesis tokens.
• Referrer’s Yield – Incentives for bringing new users.
• Velocity Yield – Encourages frequent transactional activity.

These yields provide monthly payouts in gold or silver—something traditional metal ownership doesn’t offer.

3. Kinesis Exchange

Users can trade:

• KAU and KAG
• Fiat currencies (USD, EUR, GBP)
• Cryptocurrencies (BTC, ETH, and more)

The platform features low fees, deep liquidity, and real-time pricing for portfolio diversification.

4. Kinesis Debit Cards (Virtual & Physical)

Spend KAU and KAG globally, just like cash:

• Instantly convert digital metals to fiat at checkout
• Use online, in-store, or for ATM withdrawals
• Accepted anywhere Mastercard is supported

5. Kinesis Minting Program

Convert your physical gold and silver into digital tokens:

• Participate in the yield system
• Enjoy liquidity without losing metal ownership
• Trade, hold, or spend with flexibility

6. Vaulting and Storage

Secure, insured storage for physical gold and silver:

• Stored in high-security vaults across Zurich, London, New York, Singapore, and more
• Biannual third-party audits
• Real-time verification through the Kinesis platform

7. Kinesis Merchant Solutions

Merchants can accept KAU and KAG as payment:

• Instant settlement and lower fees than traditional systems
• Global transaction support
• A stable payment method, avoiding crypto price volatility

8. Kinesis Mobile App

Manage your digital assets on-the-go:

• Buy, sell, and track prices
• View balances and yield earnings
• Available for Android and iOS

9. Kinesis Blockchain Network (KBN)

Custom blockchain built for:

• Transparent, secure transactions
• Smart contract functionality
• Scalability and low-cost operations

Why Choose Kinesis Money?

• Real Asset-Backed Currencies: Fully backed by gold and silver.
• Income Generation: Passive earnings through yield-sharing.
• Spendability: Use metals like money via debit card.
• Transparency: Regular audits and blockchain-based verifiability.
• Global Access: Available worldwide via mobile app and card services.
• Secure & Decentralized: Private ownership with no intermediaries.

Kinesis Money offers a comprehensive digital financial ecosystem centered around real assets, passive income opportunities, and global usability. Whether you’re looking to invest, earn, or spend gold and silver in a modern way, Kinesis bridges traditional wealth with blockchain innovation.

Kinesis Money: Fees and Pricing Overview

Kinesis Money offers a clear and straightforward fee structure, designed to keep users informed about any charges involved in using the platform. Here’s a breakdown of key fees:

1. Trading Fees

• Precious Metals (KAU & KAG): Buying or selling gold and silver incurs a 0.22% fee on Kinesis Pro or the dashboard.
• Digital Assets: A 0.22% fee also applies to crypto trades on both Kinesis Home and Pro.

2. Transfer Fees

• Gold & Silver Transfers: Moving KAU or KAG to another Kinesis account or external wallet costs 0.45%.
• Crypto Transfers: Withdrawal fees vary by asset when transferring cryptocurrencies to external wallets.

3. Asset Purchase Fees (Card & Bank)

• Card Payments (Apple/Google Pay):
  • First 3 months: 3.19% fee.
  • After: Tiered fees from 3.49% (under $1M/month) down to 2.59% (over $50M/month). Minimum charge: $2.
• Online Payments: Vary by method—Astropay (7.49%), Skrill/Neteller in EUR (4.99%).
• Instant Bank Transfers:
  • U.S. (ACH): 1.99%.
  • EU (SEPA Open Banking): 0.2% for the first 6 months, then 0.99%.

4. Kinesis Virtual Card Fees

• Conversion: 0.22% fee for converting digital assets, gold, or silver instantly via the card.
• Subscription Plans:
  • Cashback Plan: $6.99/month or $77/year, includes 2% gold cashback on up to $2,000 in monthly purchases.
  • Basic Plan: No monthly fee or cashback.

5. Deposit Fees

• Fiat Deposits: Minimum of $100 or currency equivalent.
• Crypto Deposits: Minimums depend on the asset (e.g., BTC: 0.0002, ETH: 0.00042).

6. Storage Fees

Kinesis provides free storage for gold and silver, using ABX’s secure vaulting network. Vaulting costs are covered via transaction fees, with no extra charge to users.

7. Exchange Physical for Digital (EPD) Fees

• Gold Deposit via EPD: 0.10%.
• Silver Deposit: 0.20%.
• Segregated Vaults: 1% deposit fee + 2.5% annual management fee.

Why Kinesis Money Receives Few Complaints

Kinesis Money has built a strong reputation with minimal negative feedback, thanks to several core strengths:

1. Transparent Operations

Kinesis clearly outlines all fees, policies, and asset backing. KAU and KAG are backed 1:1 by audited, insured physical metals, reducing misunderstandings and promoting trust.

2. Strong Security Standards

The platform combines blockchain transparency with physical and digital security:

• Blockchain ensures transaction traceability.
• Vaults are insured and independently audited.
• User accounts are protected with encryption and 2FA.

3. Responsive Customer Support

Support is available via 24/7 live chat, email, and phone. A comprehensive Help Center and responsive service team further contribute to user satisfaction.

4. Seamless User Experience

Both the web and mobile platforms are intuitive, making it easy to:

• Buy/sell metals,
• Use the Kinesis card,
• Track portfolios,
• Earn passive yield on holdings.

5. Competitive Fees and Rewards

Users benefit from:

• Low trading and transfer fees,
• Free storage,
• Passive income via the yield system,
• No hidden costs.

6. Compliance and Ethical Conduct

Kinesis complies with global regulations and ethical sourcing standards, helping avoid legal trouble and fostering user confidence.

7. Active Community and Education

Kinesis supports its community with:

• Regular updates,
• Educational resources,
• A user forum,
  helping users stay informed and engaged.

8. Reliable Technology

Kinesis maintains high platform uptime and invests in updates to reduce errors and downtime, minimizing technical complaints.

9. Positive Word of Mouth

Consistently high ratings on platforms like Trustpilot highlight the platform’s reliability, ease of use, and reward system.

Addressing Common Challenges

While adoption may be limited among newcomers and market volatility poses risks, Kinesis offers educational tools and promotes awareness to help users manage these concerns.

Are There Any Legal Issues Involving Kinesis Money?

As of January 2025, no lawsuits or major regulatory issues have been publicly reported against Kinesis Money. The platform’s strong focus on legal compliance, transparency, and asset security has helped it maintain a clean legal record.

While broader industry lawsuits (e.g., against large banks for market manipulation) have occurred, none are connected to Kinesis.

Is Kinesis Money Legitimate and Trustworthy?

Yes. Kinesis is a reputable and innovative platform backed by the Allocated Bullion Exchange (ABX). Since 2018, it has merged the value of physical gold and silver with blockchain efficiency, offering users secure, liquid, and globally accessible financial tools.

Kinesis Money Review Summary

Kinesis Money provides a secure and forward-thinking solution that allows users to:

• Own and transact with digital gold and silver (KAU & KAG),
• Earn passive income through yields,
• Access their assets instantly via a Mastercard-linked card.

Its advantages include:

• Transparent fees,
• Free, insured metal storage,
• Regulatory compliance,
• Robust user and asset protection.

Potential Drawbacks:

• Limited mainstream awareness,
• Some learning curve for new users,
• Price exposure to precious metals markets.

Final Verdict:
Kinesis Money is ideal for those seeking a stable, blockchain-powered alternative to fiat currencies and conventional crypto. Its unique combination of asset backing, rewards, and usability makes it a compelling option for modern investors.

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See also

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https://kinesisgold.net/kinesis-money-review-goldirablueprint-com/

https://kinesisgold.net/kinesis-bullion-review-terangagold-com/

https://kinesisgold.net/what-is-kinesis-money/