Welcome to the Future of Phinance
Phinance.Gold is a pioneering phinancial institution creating the world's first decentralized legal tender gold on the blockchain. These tokenized US Mint coins, called PhiGold, are 100% collateralized by their underlying physical gold assets stored in our vaults. Our vaults undergo regular 3rd party auditing to ensure that all PhiGold in circulation have the corresponding physical asset present in our vaults.
When combined with our PhiPay payments system, PhiGold tokens bring gold into the digital age, enabling users to make purchases of any size using gold -- both online and in person. These tokens can also be redeemed for the corresponding value of US Mint gold coins at any time, shipped straight from our fulfillment partners in the USA.
Join us in our mission to create a new standard in financial security and bring the Honest Money Economy to the masses! We are currently in the process of launching the beta version of the PhiPay payments app and marketplace. You can take a peek at the early preview version here
Get Notified when we launch!
Fill out the contact form linked below and we'll update you on the launch of the PhiPay app, the PhiGold token, and merchants that have joined the Honest Money Marketplace.
PhiPay Gives Gold Superpowers
With our PhiPay system, gold is no longer confined to vaults and investment portfolios. Our platform allows you to use gold for everyday transactions, from buying groceries to purchasing a car. By digitizing gold, we make it more accessible and versatile, enabling seamless peer-to-peer transactions without intermediaries.
Diversify into a Real Stable Coin
Each PhiGold token represents one Gold Dollar from the U.S. Mint, making it legal tender according under the Constitution of the United States of America. The token is backed by 100% collateralized Gold Eagles stored in our vaults. Every token is a traceable, financial instrument backed by physical gold that is regularly verified by a 3rd party auditing service. You can use these tokens for everyday purchases within the Honest Money Economy, or as a reserve asset akin to Treasury bonds. They are the perfect way to protect your wealth and diversify your portfolio.
A New Standard in Financial Security
In the digital age, security and trust are paramount. Phinance.Gold leverages the power of blockchain technology to provide unparalleled security for your assets. Each gold-backed token is a traceable, audited financial instrument, with auditing reports that are stored within our smart contract system to guarantee authenticity and protection against fraud.
Merchants that Accept PhiGold
Meet the Founders
We believe that economic freedom starts with a firm foundation in true and honest money, for individuals, local governments, and nations alike.
Mark Voelker
Co-Founder / CEO
Mark earned his masters in physics from Cal Tech and his doctorate in optical physics and engineering from the University of Arizona in 1993, Mark has worked in engineering and scientific research (biotechnology and imaging sensor design, construction and testing) for both publicly traded and startup biotechnology companies, and for privately held companies doing contract work for both DoD and private contractors. In the nonprofit arena, Mark served on the board of directors of the Alcor Foundation from 1992 to 1999, and on the board of directors of the United Precious Metals Association from from 2018 to present. Mark developed his interest in the US monetary system during the financial crisis of 2007-2008. From 2020 to present, Mark has owned and operated an online retailer of gold foil notes. He founded Phinance.gold with the mission of bringing honest money to the American people.
Steven Hernandez
Co-Founder / CTO
Steven is a Veteran of the US Air Force and a Senior Software Engineer. Since 2019, Steven has been working with the DoD’s digital transformation effort, with a mission to provide innovative tools using industry best practices. He has been entrusted to be the technical context anchor, architect, and developer of 4 separate applications that have all been operationally accepted in production environments for the DoD. Steven was first introduced to the promise of the blockchain in 2015, where Ethereum and the disruptive promise of smart contracts captured his imagination and interest. Since then, he has been involved in the development of Blockchain-based applications, focusing primarily on decentralized governance and the creation of financial instruments that allow individuals to protect their wealth and freedom. He firmly believes that the blockchain is the future of finance, and is committed to using it to create a more secure, transparent, and decentralized financial system.
Benjamin Shaffer
Co-Founder / General Counsel
Benjamin Shaffer holds a Juris Doctorate degree from The University of Arizona. Admitted to both the Utah and Arizona bar associations, he has practiced in the areas of financial law, estate planning, contracts, transactional, business litigation, and Constitutional law. Benjamin has been on the bleeding edge of financial instruments in his pursuit of a more accountable and honest monetary system. In 2019, Benjamin participated as one of the first to adopt, market, and pave the legal path for the widespread acceptance of a gold foil notes as legal tender. This preliminary project led him to pursue the possibility of creating an entire ecosystem of financial solutions for a new monetary system based on gold as the reserve asset, bringing him to the Phinance.Gold team. By combining the security and transparency of the blockchain with the widely accepted value of the gold Dollar, Benjamin hopes to tackle the legal requirements Phinance faces on its path to a creating a financial system that is more secure, transparent, and accountable than the current system.
Jim Marchant
COO / VP of Business Development
Jim Marchant serves as the Chief Operating Officer and Vice President for Business Development. Jim has been a leader and innovator in the computer software, Internet, and telecommunication industries beginning in 1984. He has founded and served as CEO and President of numerous technology companies. In 1994 realizing the potential magnitude of the Internet, Jim founded and operated one of the first Internet service provider companies in the country. As a pioneer in the Internet industry, Jim fought efforts by the Government to overly regulate the new revolutionary technology. For that reason, Jim founded the Federation of Internet Service Providers of America (FISPA) and served as its President for six years. Under his tenure, FISPA formulated laws and lobbied the US Congress, FCC and State legislatures to enact most of the cyber laws that are in effect today. Jim successfully lobbied against Internet taxation in Florida during the mid to late 1990s, receiving national press attention from both print and TV news media. This effort set a national precedent for no taxation on Internet access. As a result, most state legislators and the US Congress passed bills that would exempt consumers from paying sales tax on Internet access as well as no sales tax on online purchases through the Internet. In addition, Jim successfully lobbied state utility commissions and the FCC to prevent the Internet from being classified as a utility keeping the Internet open and free from government regulatory control.