Goldmoney Inc. Investor Relations Presentation - Q2 2017

1. Goldmoney Inc.
S E C ON D QU A R T E R 2017
For the Period Ending September 30, 2016
@Goldmoney

2. These Slides contain certain “forward-looking information”
within the meaning of applicable Canadian securities laws that
are based on expectations, estimates and projections as at the
date of these Slides. The information in these Slides about the
future plans and objectives of the Company are forward-
looking information. Other forward-looking information
includes but is not limited to information concerning the
intentions, plans and future actions of the Company. Any
statements that involve discussions with respect to predictions,
expectations, beliefs, plans, projections, objectives,
assumptions, future events or performance (often but not
always using phrases such as “expects”, or “does not expect”,
“is expected”, “anticipates” or “does not anticipate”, “plans”,
“budget”, “scheduled”, “forecasts”, “estimates”, “believes” or
“intends” or variations of such words and phrases or stating
that certain actions, events or results “may” or “could”,
“would”, “might” or “will” be taken to occur or be achieved) are
not statements of historical fact and may be forward-looking
information and are intended to identify forward-looking
information.
This forward-looking information is based on reasonable
assumptions and estimates of management of the Company at
the time it was made, and involves known and unknown risks,
uncertainties and other factors which may cause the actual
results, performance or achievements of the Company to be
materially different from any future results, performance or
achievements expressed or implied by such forward-looking
information. Such factors include, among others: the
Corporation’s limited operating history; future capital needs
and uncertainty of additional financing; the competitive nature
of the industry; currency exchange risks; the need for the
Corporation to manage its planned growth and expansion; the
effects of product development and need for continued
technology change; protection of proprietary rights; the effect
of government regulation and compliance on the Corporation
and the industry; network security risks; the ability of the
Corporation to maintain properly working systems; theft and
risk of physical harm to personnel; reliance on key personnel;
global economic and financial market deterioration impeding
access to capital or increasing the cost of capital; global
economic climate; dilution; and volatile securities markets
impacting security pricing unrelated to operating performance.
Although the Company has attempted to identify important
factors that could cause actual results to differ materially,
there may be other factors that cause results not to be as
anticipated, estimated or intended. There can be no assurance
that such statements will prove to be accurate as actual results
and future events could differ materially from those
anticipated in such statements. Accordingly, readers should not
place undue reliance on forward-looking information. The
Company undertakes no obligation to revise or update any
forward-looking information other than as required by law.
No stock exchange, securities commission or other regulatory
authority has approved or disapproved the information
contained herein. The Slides and the accompanying verbal
presentation are confidential and are being supplied to you
solely for your information and may not be reproduced or
distributed to any other person or published, in whole or in
part, for any other purpose.
Important Notice
These presentation slides (the “Slides”) do not comprise a
prospectus or other form of offering document relating to
Goldmoney Inc. (the “Company”), and do not constitute an
offer or invitation to purchase or subscribe for any securities of
the Company or any other company and should not be relied on
in connection with a decision to purchase or subscribe for any
such securities. The Slides and the accompanying verbal
presentation do not constitute a recommendation regarding
any decision to sell or purchase securities of the Company or
any other company. Your attention is drawn to the risk factors
set out below.
Caution Regarding Forward-Looking Information

3. Innovative Technology
• Modern, real-time global gold settlement platform.
• Private proprietary digital ledger & exchange.
• Purchase/redeem physical gold in any denomination with all major
currencies via credit/debit cards, bank transfers, PayPal &
cryptocurrency.
• Secured & fully insured international vault locations operated by
professional private vault operators, including Brink’s and Loomis
International.
The world’s gold savings
& payments network
User Benefits
• Free & fully-regulated online account democratizes access to gold & provides
users with the ability to save, transact & transfer value in 100% allocated gold.
• Enables global citizens to safeguard their wealth and protect their purchasing
power from currency volatility.
• Fully reserved physical gold with protection against counterparty risk.
T R U E G O L D O W N E R S H I P + U T I L I T Y O F S A V I N G S A N D P A Y M E N T S

4. “Gold has been a commodity money for 6,000
years due to its natural properties. It also
forms an important part of most high net
worth investor portfolios.

5. Everything we touch, feel, breathe, or burn is either an element or compounds and
molecules comprised of elements. When an element or compound becomes consistently
desired, it becomes also known as a “commodity”.
Over the course of recorded history (6,000 years), humanity’s greatest minds from Aristotle
to Newton have discovered, studied, and classified 92 unique elements that naturally occur
on our planet. The first natural element discovered was likely copper with the last being
Francium in 1939. Each element has different physical properties, relative scarcity in the
earth, and varying lifecycles. Some are finite, others renewable; some decay rapidly, while
others are toxic to humans.
The relative abundance of the 92 natural elements to each other on our planet is well
understood. Unfortunately, disciplines beyond geology and physics are not well acquainted
with this obvious fact governing our natural systems. For example, we know that no matter
what continent, the average amount of copper in 1 tonne of copper containing ore is always
3,000 greater than that of gold. We know that the average crop yield per acre for corn is
2.6x that of wheat.
On average and over long periods of time, these relationships are immutably bound by
nature and revert back to the natural mean. Think of nature as a system enforcing the same
rules no matter what time period we occupy. These are the basic physics underlying our
natural systems.
Now let us move into economics… It follows then that in the real economy, everything built,
manufactured, or invented irrespective of industry relies on a chain of causes and effects.
Au
79
To understand gold, we must first reacquaint ourselves with natural systems, the elements, and basic natural law (physics) underlying all real economic activity.
Where does this chain begin? With the extraction, transportation, storage, and distribution of
elements. More specifically, agriculture and natural resource extraction. This is the point at which
price subjectivity is not yet present, rather man and nature working to produce the first surplus; a
surplus that isn’t discretionary, but rather existentially demanded by the state of the real economy.
When distilling each of these distinct activities, we find a common thread: Harnessing, manipulating,
or working with the elements always requires inputs of energy, labour, time, and information, which
we call “input units”. In most cases, energy represents the majority of that input value (up to 70%).
What we are doing as participants in an economy is harnessing and exchanging surpluses and
deficiencies of energy, which cannot be stored, over time. The term energy here doesn’t denote a
specific source of energy such as oil or solar power, but rather the concept of energy as a surplus that
can fuel work.
With this knowledge, we can quantify the long-run value of any good in the real economy through two
steps: First, we break down the elemental constituents and calculate their respective cost in input
units (primarily energy).
Secondly, we account for the “subjective” or “informational” value beyond that elemental cost.
Predictably, empirical price history shows that over time, the subjective or informational value
component of a good trends to zero.
In the real economy, these calculations recalibrate every day irrespective of the political,
monetary, or labour system employed.
Gold’s Natural Monetary Properties
GOLD (AU) EVOLVED INTO “MONEY” DUE TO PHYSICS, NOT ECONOMICS
By Roy Sebag and Joshua D. Crumb

6. Our human ancestors recognized these natural relationships and the friction inherent in
exchanging one specific desired good or service for another (barter). They began to
experiment with intermediate commodities that could bridge this quickly decaying energy
surplus, which they recognized as the true recurring cost of any good or service in the
economy.
As the state of the real economy prospered, such a commodity would become increasingly
desired as a “commodity money”; interestingly, history indicates this was a process of trial
and error, through millions of experiments with myriad commodities over thousands of
years.
Of the 92 natural elements, there is only one that could have evolved as an intermediate
“commodity money” representing an equivalent energy surplus, or energy proof of value to
any good or service. This natural element would not only need to be rarer than anything else
in nature, but also time superior by lasting longer, given that energy itself could not be
stored.
This combination of relative rarity in nature coupled with immortality resulted in the
natural evolution of using gold as money.
Gold is the rarest of mined elements on any meaningful scale, and has another equally
important feature: immortality. Gold doesn’t tarnish, rot, evaporate, or decay; unlike an
energy surplus or quickly decaying commodities, gold doesn’t have a lifecycle and for
reasons unbeknownst to us, resists entropy.
Total gold stock ownership reflects billions of past exchanges enforcing the natural
relationship over time.
Au
79
Gold’s natural properties made it the perfect intermediate commodity (money)
to bridge decaying energy.
Gold’s rarity is derived from that fact that its extraction absorbs more input units per mass than any other
element or compound. Gold is immortal because it lasts while everything else (including the input units)
diminishes over time; therefore, gold is always time superior to input units in any transaction within the real
economy. As gold lasts forever, all the gold ever extracted grows in size over time as an increasing physical
inventory (stock); conversely, input units representing the feedstock of the real economy diminish and have
no equivalent stock or inventory to draw upon, as they must always be reproduced or reconfigured in the
future.
Billions of people from varying geographies and cultures make up the ownership of this gold stock, having
acquired their own portions in exchange for their own diminishing input units. Every day, they can decide to
convert their gold back into diminishing input units, or convert the value of their newly earned surplus into
gold, affecting that same gold stock. Each acquires or converts their personal surplus through varying levels
of productivity, skills, time, and effort.
As the arrow of time is stretched and entropy in the system increases, there is an implicit reversion back the
natural mean (that natural elemental ratio we discussed). Bringing it back to economic terms, this is why
everything priced in gold is remarkably stable over the long-run, irrespective of what external measurement
system is introduced – whether that external system is fiat money, bitcoin, or jelly beans.
It follows that gold is simply natural money. Borne out of natural law (physics) rather than economic or
human decree, gold’s natural monetary properties allow it to better distribute price signals and an energy
surplus in the real economy, leading to a more equitable human system.
Whether embraced by the majority or minority, gold works always and everywhere.
Gold’s Natural Monetary Properties
GOLD (AU) EVOLVED INTO “MONEY” DUE TO PHYSICS, NOT ECONOMICS

7. Gold is a Good Store of Value. The Proof is in the Math.
6
GOLD PROTECTS PURCHASING POWER OVER THE LONG RUN
The cost of life in
US dollars over time
0.11
857
0.26
0.15
0.07
739
0.27
0.13
The cost of life in
Gold over time (grams)
1985 2015 1985 2015
Food
Fuel
Transportation
Entertainment
$1.16
$9,000
$2.75
$1.60 $4.79
$27,825
$2.51
$10.25

8. Average Since 2000
7
“
As a store of value, gold is more stable and less volatile than
most people recognize – especially when measured against the
world’s vast sea of 196 individual government-issued currencies.

9. 8

10. “Devoid of modern savings and
settlement innovation, physical gold
hasn’t been easy or practical for the
average person to access. Until Now…

11. Goldmoney Inc.
Using technology to make gold easily accessible through a modern global network,
making it the best way to save, spend, or earn in gold, anywhere in the world.
THE WORLD’S GOLD SAVINGS & PAYMENTS NETWORK

12. The Technological Evolution of the Gold Market
11
GOLDMONEY INNOVATION REMOVES FRICTION WHILE EXPANDING
ACCESSIBILITY AND UTILITY FOR GOLD
- Costly and risky for average
investor (shipping, storage &
insurance costs)
- Unscrupulous actors (numismatics
& other high margin, low metal
value products)
- 3-5% premium to spot pricing
from the bid or offer (6-10%
round-trip cost)
- No utility, transfer, or spend
capabilities
+ Very Liquid ( Buy / Sell)
- Avg. annual fee .5% + premium to
spot (0.4%) + trading commission of
$10-20 + brokerage custody fee
(Assumes $2,500 investment, smaller
investments carry much higher fees)
- Generally no ownership of
underlying metal (paper security
with increased risk)
- No utility, transfer, spend, or
physical redemption capabilities
- Regressive product, better for elites
vs. smaller drip saver
+ Fully allocated .995 bullion with full
property rights under bailment law
+ Real time purchase + settlement via
online + mobile as small as .001 grams
+ Free storage + insurance with Brink’s
+ Unprecedented pricing
(0.5% of spot price as of Nov. 14, 2016)
+ Full transfer/settlement capabilities
(send / request / spend gold)
+ Fast purchase + redemption with multiple
currency + funding options
+ Redemption in physical gold +
delivery option
Traditional Physical
Gold Purchase
Gold ETF
Investment
+

13. Gold Ownership Made Easy
ü Securing Users’ Purchasing Power
ü Providing Reliable Savings Tools
ü Innovating How Global Payments
Work
Gold Ownership Made Easy

14. FEATURES
◆ 100% allocated gold savings
◆ Easily build a savings plan (drip/recurring savings)
◆ Send, request, shop, and donate globally with Gold
◆ No minimums or monthly fees
◆ Free storage & insurance at multiple global vault
operations
◆ Low 0.5% deposit/redemption fee (as of Nov. 14,
2016)
◆ Free third-party issued Goldmoney Mastercard
Prepaid
◆ Goldmoney fraud & purchase protection
◆ Goldmoney App for iOS and Android
◆ Goldmoney Community & online support prepaid
WHY CONSUMERS LOVE GOLDMONEY
Simplicity Security Flexibility
+ One account that lets you save in gold, transfer gold to
friends and family, and shop online and in stores globally.

15. FEATURES
◆ Accept ecommerce, donation & subscription payments
◆ Powerful invoicing platform
◆ Global payouts & payroll tool
◆ Process global payments from any currency for 1%
◆ Store gold balance for free or redeem to your currency
for 0.5% (as of Nov. 14, 2016)
◆ Customer & inventory management
◆ Automatic settlement to your bank
◆ Goldmoney App for iOS and Android
◆ Goldmoney Community & online support
WHY MERCHANTS LOVE GOLDMONEY
Global Reach Cost-Effective New Sales
+ Global processing made easy using gold. One account to pay
employees and get paid by global customers and suppliers.
Pay

17. ◆ Hold up to nine currency balances
◆ Purchase all four precious metals: gold,
silver, platinum & palladium
◆ Insured custody & storage at multiple global
vault operations
◆ Comprehensive reporting & research
◆ Access to exclusive events
◆ Personal relationship manager
◆ Dedicated phone and online support
◆ Exclusive third-party issued 18K gold
Goldmoney Mastercard Prepaid
TRUSTED PRIVATE WEALTH MANAGEMENT
Fully Reserved Your Metal Your Money
+ Safeguarding Your Wealth.
Protecting Your Legacy.
FEATURES

18. 17
“With Goldmoney, you’re not outside the regulatory
system, but you do move outside the central
banking system into a secure closed-loop account-
based gold settlement network.

19. Goldmoney Inc. Financial Highlights
18
Revenue growing significantly Quarter over Quarter ($CAD) driven by user, purchase & transaction growth
As at Sept 30, 2016:
Working capital of $59.8M
Liquidity position of
$61.1M
to satisfy
$1.2M of liabilities
2.9
66.3
80.8
108.7
112.4
140.4
20
40
60
80
100
120
140
160
Q1 2016 Q2 2016 Q3 2016 Q4 2016 Q1 2017 Q2 2017
Millions($)
0.01
1.05
1.15
1.90
2.90
2.30
0.00
0.50
1.00
1.50
2.00
2.50
3.00
3.50
Q1 2016 Q2 2016 Q3 2016 Q4 2016 Q1 2017 Q2 2017
Millions($)
Gross Profit
SEDAR
Revenue Growth

20. Virality of a Healthy Network Effect
M O R E T H A N 1 . 2 8 M G L O B A L A C C O U N T S I G N U P S … . F R O M M O R E T H A N 1 5 0 C O U N T R I E S …
W H O C O N T I N U A L LY I N C R E A S E T H E I R N U M B E R O F T R A N S A C T I O N S
*Goldmoney Network (Personal & Business)
0
0.2
0.4
0.6
0.8
1
1.2
1.4
Q1
2016
Q2
2016
Q3
2016
Q4
2016
Q1
2017
Q2
2017
Millions
0
1
2
3
4
5
Q1
2016
Q2
2016
Q3
2016
Q4
2016
Q1
2017
Q2
2017
Q1 2016 Q2 2016 Q3 2016 Q4 2016 Q1 2017 Q2 2017
Africa Asia Europe
North America Oceanica South America
Cumulative Users with a
Gold Balance by Region
(+37% QoQ)
+15% CAGR
Transactions per Active User
Cumulative Signups
% Growth in
Recurring Deposits

21. Number of cards issued
growing +8% MoM
Goldmoney Mastercard Prepaid Progress to Date
TRACTION ACCELERATING: CARD ISSUES & USAGE
Card load activity growing
+6% MoM
Local point-of-sale: 80%
ATM withdrawals: 20%
Distribution of Card Transactions
ATM Trx POS Trx
Cumulative Cards Issued
CHF USD GBP EUR
Card Loads in Gold Grams by Currency (GAU)
GAU -> CHF GAU -> USD
GAU -> GBP GAU -> EUR

22. 21
Goldmoney set a new transparency standard
for the financial services industry with the
development and launch of the Real Time
Audit, which displays live deposits,
redemptions, and transfers made on the
Goldmoney Network, along with a breakdown
of client assets.
Real Time Audit
TRANSPARENCY REDEFINED

23. Jan-May 2015
••Raises C$7MM
••Commercial launch
of BitGold.com
••BitGold IPOs and
commences trading
on TSX Venture
••Acquires GoldMoney
for C$51.9M
June-Aug 2015
••Completes C$21M Bought
Deal Financing
••Commercial launch in US
••Former Head of PayPal
Canada, Darrell MacMullin
named CEO
••Name change to
GoldMoney Inc.
••Gold-Settlement
Technology Links to nine
major financial institutions
Sept-Dec 2015
••Launch of Mobile App for
Android & iOS
••Launch of Recurring
Savings & Payments Tools
••Launch of Goldmoney
Insights
••Launch of Automatic Bank
& Card Redemptions
••Launch of World’s First
Gold Balance Funded
Prepaid Card
Jan-June 2016
••Launches Business
accounts and payments
••Completes Upsized
Financing from C$15MM
to C$36.6M
••Graduates to the Toronto
Stock Exchange TSX:XAU
••Launches Gold Payroll for
Business platform
••Surpasses 1M signups
••Unifies BitGold &
Goldmoney brands;
creation of Goldmoney
Personal, Business and
Wealth accounts.
••Enters into Acquisition
Agreement with Schiff
Gold LLC. and Marketing
and Service Agreement
with Peter Schiff
July-Sept 2016
••Completes platform
unification and rebrand;
establishes Goldmoney
Network (Business &
Personal) and
Goldmoney Wealth
businesses
••Sets new transparency
standard with launch of
Real Time Audit
••Accelerates direct-to-
bank value settlement
for 87 countries and 44
currencies
••Launches PayPal
integration and exclusive
vault for users in the U.K.
and Europe
Significant Goldmoney
Milestones
22

24. 23
• Liquidity position of $61.1M (as of Sept. 30, 2016)
• 69.2M shares outstanding; 4.9M warrants & options outstanding
• $67.8M total capital raised (as of Sept. 30, 2016)
• $36.6M in bought deal financing (Feb. 2016)
• $59.4M acquisition (11.1mm shares issued) of Goldmoney (July 2015)
• ~$5M acquisition of Schiff Gold: 1.06M shares + 1.4M warrants (as of Nov. 14, 2016)
THE NUMBERS – CAPITAL STRUCTURE
Goldmoney Inc. graduates to
the Toronto Stock Exchange
in less than one year.
Capital Structure, Financing & Analyst Coverage
Analyst Coverage
§ GMP Securities – Stephen Boland
§ Clarus Securities – Noel Atkinson
§ Mackie – Nikhil Thadani
Founders and Board
own and control more
than 26M shares

25. Top Executives
The Goldmoney teams builds on decades of experience in financial services, investment management, e-commerce & payments, software engineering,
UX/UI design, cryptography, digital security, compliance, commodity market trading, and macroeconomics.
FOUNDER & CHIEF STRATEGY OFFICER
Josh Crumb
Former Sr. Metals Strategist,
Goldman Sachs
CHIEF TECHNOLOGY OFFICER
Alessandro Premoli
Decade+ experience in encryption,
cryptography & digital signatures
FOUNDER & CEO OF GOLDMONEY INC.
Roy Sebag
Former Portfolio Manager
Long/Short Equity, Essentia Equity
CEO, GOLDMONEY NETWORK
Darrell MacMullin
Former Head of PayPal Canada, eBay
Fintech Advisor
CHIEF FINANCIAL OFFICER
Katie Sokalsky
Former auditor, PwC
Financial services expertise

26. Goldmoney Inc. Board of Directors
LEAD DIRECTOR
FOUNDER
James Turk
DIRECTOR
Hector Fleming
DIRECTOR
CHAIRMAN OF AUDIT COMMITTEE
Mahendra Naik
DIRECTOR
Leslie D. Biddle
DIRECTOR
CHIEF STRATEGY OFFICER
Josh Crumb
DIRECTOR
CHIEF EXECUTIVE OFFICER
Roy Sebag

27. 26

28. 334 Adelaide St. West 3rd Floor
Toronto, Ontario
M5V 1R4 Canada
Investor Relations:
Jacquelyn Humphrey
ir@goldmoney.com
+1 647 499 6748
GOLDMONEY INC. IS TRADED UNDER THE SYMBOL “XAU” ON THE TORONTO STOCK EXCHANGE (TSX). FINANCIAL REPORTS AND FILINGS CAN BE VIEWED HERE.
FOR ADDITIONAL INFORMATION AND PRESENTATIONS, PLEASE VISIT OUR INVESTOR RELATIONS NEWSROOM.