Product Benefits

• Triple Reserved - XRB Gold maintain a 3-to-1 ratio of gold to tokens, ensuring three grams of gold back every token issued. This provides an ample amount of gold reserves in store for value and audit purposes. To our knowledge, no other digital asset gold product offers this type of surplus reserves in storage. This directly exceeds recognized global standards of transparency and capital requirements such as Basel III.

• Redeemable - XRBG offers unparalleled redemption options. Customers can convert their tokens into physical gold or stablecoins. Through https://app.xrb.gold, users can redeem from 1kg bars, up to full-sized 12.5 kg London Good Delivery gold bars with shipping and handling fees applicable. Additionally, the XRB Gold app facilitates direct token-to-stablecoin exchanges, such as USDC, via secure P2P swaps.

• Programmable - Thanks to the digital and programmable nature of its smart contract, XRBG is easily convertible, tradable, and versatile. This programmability introduces significant new functionality to the trading world, allowing the token to be adapted for various uses in decentralized finance protocols.

• Regulated - The XRBG token is minted by XRB DAO, with each token representing ownership of 1 gram of physical gold. This physical gold is held in trust by XRBG Trust via Legacy Vault Services STC B.V. in Curaçao. The trust is regulated by the Central Bank of Curaçao and Sint Maarten (CBCS) in cooperation with the Dutch Central Bank (DNB), ensuring compliance with financial laws, including anti-money laundering regulations, and maintaining system integrity along with robust customer protections. The gold is safeguarded under the strict legal framework of Dutch authorities. The ADTA (Asset Digitization Trust Agreement) governs the minting, redemption, and burning of XRBG tokens. Redemption, upon request by the token holder, will always be granted and cannot be refused, except in cases of criminal activity by the token holder. The smart contract is published on the blockchain, ensuring full transparency and immutability. Immutability means that no party can alter the agreed terms in the smart contract, protecting token holder ownership rights under the laws and regulations of the Kingdom of the Netherlands.

• Available to Anyone - XRBG offers virtually no investment minimums, making fractional ownership of gold accessible to retail customers like never before. Individuals and institutions alike can purchase XRBG in amounts as small as they desire.

• Low Fees - XRBG offers a more attractive investment vehicle compared to other gold products due to its fee structure. There are no storage fees, and redemption fees are low and tiered based on volume. For peer-to-peer transactions occurring on-chain (via Ethereum or Polygon), there are no transaction fees—only the usual Ethereum and Polygon gas fees, which typically range from fractions of a cent to a few cents. Transaction fees may apply for transacting, on-ramping and off-ramping via the XRB Gold app.

• Bankruptcy Remote - XRBG is issued by a nationally chartered trust company, ensuring customer assets are segregated from the company's assets. All gold represented by XRBG tokens is held in custody by XRBG Trust via Legacy Vault Services STC B.V. for token holders. In the event of the company's insolvency, these assets remain separate from the company's estate. This structure guarantees that customer assets are protected from potential bankruptcy proceedings, effectively eliminating the risk of permanent asset loss to token holders.

• Decentralized - Operating on an open blockchain, XRBG upholds gold's inherent nature and philosophy of being freely stored and transferred. No single entity or individual controls access to the asset, dictates smart contract functions, or can dominate the entire gold market or blockchain.

• Easy to Trade - XRBG will be available for redemptions starting on January 1, 2025.