最有看点的互联网金融门户

最有看点的互联网金融门户
国际资讯基于互联网平台的金融业务

多伦多创业公司BitGold建立实物黄金数字支付平台

多伦多的一家创业公司正计划推出一个新的支付方式,使实物黄金可以直接买卖,通过降低信用卡交易费用来吸引电子商务商家。

BitGold Inc.在5月底上市,今年是它作为上市公司的第一年。已经大约有70万用户通过其智能手机app进行了黄金买卖。现在,它计划推出包括能够接受付款、开具发票的新服务和开发人员API的业务服务。

现任BitGold首席执行官Darell MacMullin,曾经担任Paypal加拿大的董事总经理。他在BitGold去年以5940万美元合并GoldMoney inc.之前遇到了创始人Josh Crumb和Roy Sebag。

“他们说,'这两个家伙在多伦多,我不知道他们是不是杰出或疯狂或可能两者兼具,但是他们认为他们可以为黄金创建一个全新的全球支付网络”MacMullin回忆说,“我把它当作对他们的评估,而且是评估商业机会。”

平台的具体工作原理是这样的:BitGold专有金软件有一个全球网络,使得用户在其中一个黄金库中找到最好的黄金价格,然后就可以自由购买黄金了,最低额度甚至可以只有3美分。

它通过与Visa和万事达等银行和企业合作使得能进行全球支付处理工作,因此用户可以用当地货币购买黄金。世界各地有100个不同的黄金库,黄金被存储在其中的一个库中, 由Brink's保管。

前高盛高级金属策略师、BitGold首席战略官Crumb表示:“我们只提供软件,而Brink's会用真枪荷弹保护你的黄金。”

每次资金买入卖出黄金,BitGold收取1%的交易费。这也是它将向商户收取的支付业务费用,看起来比2%到3%之间的信用卡交易费用要低一些。

GoldMoney万事达已经允许BitGold用户使用他们的黄金支付。目前支付网络的其他用途包括P2P跨国转账。用户也可以选择积累黄金储蓄,这历来是一个稳定的投资,甚至他们可以有自己的的实物黄金,规格为10克的金砖或金条。

Crumb说,最重要的是,它遵从所有法律和法规。BitGold让毕马威作为第三方审计,保证平台业务符合bank-grade的 Know Your Customer规定。公司的定位是把自己作为一种监管机构友好型的比特币,所以这个名字并非偶然。创立BitGold前,Crumb说他赞赏比特币能解决一些金融行业的问题,但也看到了它有缺点。

“我们不喜欢隐晦。”他解释说,“我们说,让我们试着建立一个使用黄金的比特币网络,所以我们称之为BitGold”。

至于MacMullin,他把它比作通过提供方便、免费的音乐在音乐产业造成破坏的Napster。虽然Napster的前身由于侵犯版权在90年代被关闭。之后, 伴随着音乐产业现代化的到来,苹果的iTunes使用相同的模型为廉价出售歌曲。

BitGold for Business已经注册并拥有大约600个合作商家。那些支持它支付的商户将提供类似于Paypal的BitGold结帐按钮以供客户选择。

现在它仍然是一个封闭的平台,但早在今年夏天,BitGold就计划通过发布一个API与开发人员合作。

“现在他们的支付业务已经遍布全球,已经拥有大量用户。”MacMullin说,“他们可以是任何东西,比如,可以是一个想要添加另一个付款类型的钱包, 或者是一个工资软件,或计价软件,或销售平台。”

A Toronto-based startup is planning to launch a new payment method that enables the direct buying and selling of physical gold and will appeal to e-commerce merchants by undercutting credit card transaction fees.

BitGold Inc. is working towards closing its first year of operating as a publicly-traded company at the end of May. It's already signed up about 700,000 users that are buying and selling gold by using a smartphone app. Now it's planning to launch business services that will include the ability to accept payments, invoicing, and a developer API.

Formerly PayPal's managing director for Canada, Darell MacMullin is now chief executive officer of BitGold. He met founders Josh Crumb and Roy Sebag ahead of its merger with GoldMoney Inc. last year, a $59.4 million acquisition.

"They said, 'there's these two guys in Toronto and I don't know if they're brilliant or crazy or probably both, but they think they can create a whole new global payments network for gold," MacMullin recalls. "I was brought it to kind of assess them, and assess the business opportunity."

Here's how it works - BitGold's proprietary Aurum software enables a global network that allows its users to find the best price for gold in one of its vault locations and then purchase that gold in amounts of as little as three cents.

It enables global payment processing by working with banks and companies like Visa and MasterCard so users can buy gold in their local currency. That gold is stored in one of 100 different vault locations around the world, operated and insured by Brink's.

As Crumb, a former senior metals strategist at Goldman Sachs and BitGold's chief strategy officer puts it: "We're software. Brink's are the guys with guns guarding your gold."

Every time money moves in and out of gold, BitGold charges a one per cent transaction fee. That's also what it will charge merchants accepting payments on the business, which looks better than the fees of between two and three per cent associated with credit card transactions.

A GoldMoney MasterCard already allows BitGold members to use their gold for payments. Other uses of the payments network today include peer-to-peer money transfers across international borders. Users could also choose to accrue their savings in gold, which has historically been a stable investment, or even have their physical gold shipped to them in 10 gram cubes or gold bars.

Most importantly, Crumb says, it's all legal and well within regulatory compliance. BitGold works with KPMG as a third-party auditor, and complies with bank-grade Know Your Customer regulations. The company is positioning itself as an alternative to BitCoin that is friendly with regulators, so the name is no accident. Before starting BitGold, Crumb says he appreciated the problems Bitcoin was solving in the financial industry, but also saw its shortcomings.

"We didn't like the underlying token," he explains. "We said let's try to build a Bitcoin network using gold and call it BitGold."

For MacMullin, he compares it to the disruption Napster caused in the music industry by providing easy and free access to music, although its original incarnation was eventually shut down in the '90s because of copyright violations. Later, Apple's iTunes would use the same model to sell songs for a buck apiece, working with the music industry to modernize access.

BitGold for Business is already taking registrations and has about 600 names on its waiting list. Those that support it will offer customers the option of paying with a BitGold Checkout button, similar to PayPal's.

For now it remains a closed platform, but BitGold is planning to work with developers by releasing an API as early as this summer.

"Now they have a payment rail that's global and ubiquitous and already has a lot of users on it," MacMullin says. "It could be anything from if you're a wallet that wants to add another payment type, or you're a payroll software, or invoicing software, or point of sales platform."


用微信扫描可以分享至好友和朋友圈

发表评论

发表评论

您的评论提交后会进行审核,审核通过的留言会展示在下方留言区域,请耐心等待。

评论

您的个人信息不会被公开,请放心填写! 标记为的是必填项

取消

钱佳琪 | 未央团队未央编辑团队

34
总文章数

TA还没写个人介绍。。。

版权所有 © 清华大学五道口金融学院互联网金融实验室 | 京ICP备17044750号-1