How it Works

Account setup takes less than 5 minutes. You’ll need to provide basic information, connect your bank account, and choose your membership option.

You’ll need your name, address, phone number, email, social security number, and bank account information for ACH transfers.

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.

Your bank account can be linked instantly via Plaid, or through ACH verification, which can take up to 3 business days and involves providing your routing and account number.

You can start automatic investing with as little as $25 per month. There’s no minimum for one-time purchases.

Yes, we use bank-level encryption and security protocols. Your information is never shared with third parties.

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.

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.

Our “Buy Now” prices update in real time based on live spot prices. Auto investing uses our daily base price, set once per day.

While a schedule cannot be modified or paused, it can be canceled and a new one created.

You can invest in gold, silver, and platinum through our platform.

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.

OWNx prices update continuously from live institutional “at-cost” prices for physical gold, silver, and platinum, so what you see is the real market price rather than a marked-up dealer quote. You can review live and historical prices on OWNx’s price charts before you fund your account, and once it’s funded you buy at the current market price.

Purchases against a pre-funded account execute instantly at the current market price during precious metals market hours. As soon as your order fills, the metal is allocated in your name — registered to you and segregated from OWNx’s own assets in an insured depository — so you own physical metal immediately, not a pending claim.

OWNx is a self-service platform with no commissioned sales representatives. You open an account, fund it, and buy and sell directly from the web dashboard — no phone consultation is required and there’s no sales pressure. This is a structural difference from the traditional dealer model, where commissioned reps and high-pressure calls are common.

Selling is instant during market hours with zero selling fees — you receive the full bid price, and the proceeds land in your OWNx Cash Account immediately. Withdrawals to your linked bank account typically take 1–3 business days.

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.

You own actual allocated physical metal stored in your name, not shares in a fund. You can take physical delivery of your metals anytime.

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.

Your dashboard shows your exact holdings in troy ounces (gold/silver) or grams, updated in real time after each transaction.

Yes, gold purchases are measured in grains (480 grains = 1 troy ounce), and silver in ounces, allowing precise fractional ownership.

Yes, your metals are allocated in your name and separated from OWNx assets. You have clear legal ownership.

Your metals are stored in world-class, non-bank depositories in Delaware and Texas, USA. These facilities are internationally recognized for their security measures.

Yes, your metals are fully insured while in storage. Insurance covers the full value of your holdings.

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.

Non-bank depositories specialize in precious metals storage with enhanced security systems, safeguarding your holdings from any banking system risks.

While you cannot physically inspect your specific fractional holdings of large bars, the depositories provide regular audits and reports confirming inventory.

Your metals are held in your name at independent depositories, separate from OWNx business assets. You maintain ownership regardless of OWNx’s business status.

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.

No, there are no selling fees. You receive the full bid price for your metals.

Simply sell one metal and buy another through your dashboard. The process is instant and helps you maintain your desired allocation.

You need minimum holdings of 20 oz silver, 0.5 oz gold, or 1 oz platinum to request delivery.

We offer various coins, bars, and rounds from recognized mints and refiners. Items are subject to availability and market conditions. Learn more about delivery items.

Delivery costs vary by item and cover fabrication, shipping, handling, and insurance. Specific costs are shown before you confirm any delivery request.

Delivery typically takes 1-2 weeks after processing. All shipments are fully insured and require signature confirmation.

Yes, you can upgrade to EDGE membership or convert to an IRA account. Contact support for assistance with account conversions.