AgAu is democratising the direct ownership of transferable and bankable (LBMA quality) gold and silver outside the banking system in the most secure and cost effective way, a service previously exclusive to the top 1%. Our management composed by a commodity trader and a former Swiss Bank CEO can uncap the potential of success for a payment system to be used over a multi trillion dollar market (Trade finance) and a disrupt the financial intermediaries (Banks) and their products (ETFs) etc.