WHERE GOLD MEETS SMART CAPITAL

SigraFi® provides secured financing to Micro, Small and Medium-sized Enterprise (MSMEs) gold-producing companies seeking to scale up in a global sector that is severely underbanked.  This sector produces over $100bn of gold annually with an estimated $6.5bn in annual CAPEX required to meet demand.

SigraFi provides:

  • Greater structuring flexibility

  • Sector expertise

  • Flexible repayment terms linked to production


These features alleviate the short-term repayment pressures typical of bank loans and provide funding models tied to production cycles and offtake contracts.

What we do

SigraFi operates in the significant vacuum created by banks, particularly acute in gold-producing emerging and frontier markets.

Rather than pay interest on capital advances, the gold producer contractually undertakes to sell SigraFi a minimum quantity of gold each month for the term of the advance. 

The price for the gold is set at a fixed percentage discount to the LBMA gold spot price. SigraFi refines the gold, then sells the bullion to its contracted offtake partners, earning the net discount margin on each gold purchase.  

50% of SigraFi’s net profit is invested in gold bullion and vaulted, building a treasury. The treasury is partly used to collateralise SigraFi’s loan notes.  This debt capital funds further secured advances to gold producers, increasing contracted gold supply.

Our business model

Gold-secured loan notes issued onchain

Using traditional finance to leverage gold is expensive and cumbersome. Issuing loan notes on the blockchain (onchain) via regulated platforms is an efficient way to raise capital from a highly liquid pool of private credit. SigraFi’s loan notes will be issued in different sizes, maturities and yields and are structured to provide the company with reliable liquidity for MSME capital advances, securing its supply pipeline.  

Some of SigraFi’s secured loan notes will offer comprehensive downside risk protection as part of the security package. Others will target smaller yields and share the gold price risk in exchange for the potential upside in gold value at loan maturity.  Investors will benefit from automated compliance and term enforcement, alongside institutional-grade security transparency, and the efficiency of cross-border onchain settlement.

Onchain private credit surpassed $21 billion by Q1 2026, up from $14 billion just eight months earlier. SigraFi's natively digital loan notes give a global private investor base direct access to gold-backed yield, channelling capital into a $6.5bn annual credit gap that remains structurally underserved.

 

Why onchain