How it Works
Skip the high premiums of coins and complicated storage solutions. OWNx gives you direct ownership of institutional-grade precious metals with the convenience of digital investing and the security of world-class vaults.
Setup Your Account
Invest the standard way or through a Precious Metals IRA.
For standard investments, just click the link and fill in your details.
Choose your membership option
Decide between standard pricing that decreases as you invest more (5.99% to 1.99%), or choose EDGE for zero markups and wholesale pricing. Compare Plans
Fund your account
Pre-funding your account unlocks instant execution at live market prices when opportunities arise.
Start Investing
Whether you choose an IRA or the standard investment path, OWNx makes it easy to start investing in precious metals with 2 options.
Dollar-cost average your way to steady accumulation. Automatic purchases smooth out market volatility and remove emotion from your investment decisions - just consistent growth over time. NOTE: Not available for IRAs
When you pre-fund your account, you can capture real-time pricing opportunities instantly. No waiting for bank transfers while prices move - strike when the market is right.
Owning Fractional Metals
Own precise amounts of institutional-grade large bars instead of expensive coins. This means more actual precious metal in your portfolio, not dealer profits.
You own fractions of 1,000 oz silver bars and kilo gold bars - the same low-cost inventory that institutions buy. Skip the high premiums on coins and small bars.
Coins can carry 10-25% premiums above metal value. Large bars trade closer to spot price, maximizing every dollar you invest in actual precious metals.
Store Securely
Your metals are stored in internationally recognized facilities in Texas and Delaware - specialized vaults built for precious metals, not general banking.
Every ounce is registered in your name and fully insured. Your metals are segregated from OWNx assets - you have clear, direct ownership.
Multi-layered security systems, 24/7 monitoring, and rigorous auditing protocols protect your investment better than any home safe ever could.
Liquidity and Control
Sell your metals instantly at live market prices with zero fees. Funds appear in your cash account immediately - no waiting, no complications.
Switch between gold, silver, and platinum instantly through your dashboard. Optimize your allocation as market conditions change.
You can choose to convert your holdings to coins or bars and have them shipped securely to your door. Minimum thresholds apply. Learn how it works.
FAQs
How Long does it take to set up my OWNx Account?
Account setup takes less than 5 minutes. You’ll need to provide basic information, connect your bank account, and choose your membership option.
What information do I need to provide to open an account?
You’ll need your name, address, phone number, email, social security number, and bank account information for ACH transfers.
What's the difference between regular OWNx and OWNx EDGE?
OWNx EDGE eliminates all markups – you buy precious metals at cost with zero premiums. Regular OWNx has 1.99-5.99% premiums. EDGE costs $14.99/month or $149/year and can save you thousands on larger investments.
Learn more about EDGE or our Pricing and Fees.
How do I connect my bank account?
Your bank account can be linked instantly, via Plaid, or via ACH verification, which can take up to 3 business days and involves providing your routing and account number.
What's the minimum amount needed to start?
You can start automatic investing with as little as $25 per month. There’s no minimum for one-time purchases.
Is my personal and financial information secure?
Yes, we use bank-level encryption and security protocols. Your information is never shared with third parties.
What's Smart Auto Investing and how does it work?
Smart Auto Investing allows you to automatically purchase precious metals on a schedule (weekly, monthly, etc.) starting at $25. This dollar-cost averaging approach helps mitigate market volatility by spreading purchases over time.
What's the advantage of prefunding my account?
Prefunding allows instant execution at live market prices. When markets move quickly, you can take advantage of pricing opportunities without waiting for bank transfers to clear.
How often are prices updated?
Our “Buy Now” prices update in real-time based on live spot prices. Auto investing uses our daily base price, set once per day.
Can I change or cancel my automatic investing schedule?
While a schedule cannot be modified or paused, it can be canceled and a new one created.
What metals can I invest in?
You can invest in gold, silver, and platinum through our platform.
Do you charge trading fees?
There are never fees to sell. OWNx EDGE members buy at cost with zero markups. Regular members pay small premiums (1.99-5.99%) only when buying.
What do we mean by "fractional metals"?
You own specific weights of large, institutional-grade bars (1000 oz silver bars, kilo gold bars) rather than individual coins. This eliminates numismatic premiums and gives you more metal for your money.
How is fractional ownership different from ETFs?
You own actual allocated physical metal stored in your name, not shares in a fund. You can take physical delivery of your metals anytime.
Why are large bars cheaper than coins?
Coins and small bars carry high premiums due to manufacturing costs and dealer markups. Large bars trade closer to spot price, maximizing your metal ownership.
How do I know how much metal I own?
Your dashboard shows your exact holdings in troy ounces (gold/silver) or grams, updated in real-time after each transaction.
Can I own fractions of an ounce?
Yes, gold purchases are measured in grains (480 grains = 1 troy ounce), and silver in ounces, allowing precise fractional ownership.
Is my metal specifically allocated to me?
Yes, your metals are allocated in your name and seperated from OWNx assets. You have clear legal ownership.
Where are my metals stored?
Your metals are stored in world-class, non-bank depositories in Delaware and Texas, USA. These facilities are internationally recognized for their security measures.
Are my metals insured?
Yes, your metals are fully insured while in storage. Insurance covers the full value of your holdings.
What are the storage fees?
Storage costs 0.6% per year (0.05% per month), automatically deducted from your account on the first of each month. IRA accounts pay 0.5% annually.
Why non-bank depositories?
Non-bank depositories specialize in precious metals storage with enhanced security systems. Safeguarding your holdings from any banking system risks.
Can I visit the depository to see my metals?
While you cannot physically inspect your specific fractional holdings of large bars, the depositories provide regular audits and reports confirming inventory.
What happens if OWNx goes out of business?
Your metals are held in your name at independent depositories, separate from OWNx business assets. You maintain ownership regardless of OWNx’s business status.
How quickly can I sell my metals?
You can sell instantly through “Sell Now” for real-time pricing, or schedule sales for the next daily price. Funds are available in your cash account immediately.
Are there fees when I sell?
No, there are no selling fees. You receive the full bid price for your metals.
How do I rebalance between different metals?
Simply sell one metal and buy another through your dashboard. The process is instant and helps you maintain your desired allocation.
What are the minimums for taking physical delivery?
You need minimum holdings of 20 oz silver, 0.5 oz gold, 1 oz platinum, or 1 oz palladium to request delivery.
What delivery options are available?
How much does delivery cost?
Delivery costs vary by item and cover fabrication, shipping, handling, and insurance. Specific costs are shown before you confirm any delivery request.
How long does delivery take?
Delivery typically takes 1-2 weeks after processing. All shipments are fully insured and require signature confirmation.
Can I convert between account types?
Yes, you can upgrade to EDGE membership or convert to an IRA account. Contact support for assistance with account conversions.
Reviews
Reviews from our customers
I’ve been using this platform for many years! And currently I’m helping my dad purchase gold and the customer service is always fast and helpful. The platform works very well. And is clear and easy to understand and the options are diverse! Highly recommend I’m very satisfied and have been a user for at least 5 years! Good job ya’ll
An easy way to save precious metals, gold and silver. A monthly auto save plan mounts to a treasure. Also such an easy way to turn it back into cash or ship it to me direct makes OWNx my choice for over 10 years.
I recommend OWNx to anyone who is searching for a very convenient, secure and cost-effective way of buying and storing precious metals. Their staff is very customer focused, responsive and does frequent outreach to offer new ways to enhance our relationship. Thanks to OWNx from one of your satisfied customers.
OWNX customer support has always been responsive and helpful. I’ve had no doubt that my metals are secure. Recently, they facilitated the easy migration of my precious metals IRA account from one custodian to another.
This company and platform is the easiest to navigate through. When ever I had a issue with delivery the customer service was fantastic in finding the issue and replacing the item. I really like the auto buy feature and use it regularly. I have already told others of the company who have joined.