Goldmoney Inc. Investor Relations Presentation - August 2016

1. Goldmoney Inc.
August 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
1

3. What is Goldmoney?
• World’s largest 100% reserved gold savings and payments network
• Democratizes access to gold savings and instant gold transfers (anyone can earn gold for their productivity)
• Helps underbanked and underserved citizens protect their purchasing power
• Building global client relationships by unlocking network utility of a global money base
2
Goldmoney provides secure and accessible gold-based
savings, payments, and wealth services through three
distinct account offerings.

4. 3
“Gold has been a commodity money for 6,000
years due to its natural properties. It’s also the
world’s best performing currency… by a wide
margin.

5. Average Since 2000
4
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.

6. Gold’s Natural Monetary Properties
Everything we can touch, feel, breathe, or burn is an element
or compound. Everything built, manufactured, or invented
relies on a temporal cause and effect commencing with the
extraction, transportation, storage, and distribution of
elements.
Over the course of 6,000 years, scientists have classified 92
unique natural elements on our planet. These elements have
different physical properties and relative rarity in the earth.
Extracting elements requires an input of energy, labour,
time, and information (input units).
The relative abundance of the 92 natural elements to each
other is immutable and enforces a relational cost ratio that is
perpetual. Here the term cost ratio is not in dollars, euros, or
other external measurements but rather input units (energy,
labour, time, and information).
Gold is the rarest of mined elements on any meaningful
scale. Gold has another equally important feature:
immortality. It doesn’t tarnish, rot, evaporate, or decay.
It doesn’t have a lifecycle and for reasons unbeknownst
to us, resists entropy.
Of the 92 natural elements, there is only one that could
have evolved as an intermediate commodity (money)
representing any cooperative transaction between
participants in a free market.
The critical point being that any transaction in the real
economy (no matter what industry or geography)
ultimately represents various combinations of input
units as a cost: energy, labour, time, and information.
Gold’s rarity means its extraction absorbs more input
units than any other element or compound. Gold’s
immortality means it lasts while everything else
including the input units diminish over time. Therefore
gold is always time superior to input units in any
transaction within the real-economy.
Total gold stock represents billions of past
transactions enforcing proportional future value.
Au
79
GOLD (AU) EVOLVED INTO “MONEY” DUE TO PHYSICS, NOT ECONOMICS
To understand gold, we must understand the
physics underlying all real economic activity.
Gold’s natural properties made it the perfect
intermediate commodity (money).
Because 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. 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. As the arrow of
time progresses, each has the power to convert their gold
into diminishing input units, or they can do the opposite by
converting the value of their own diminishing units earned
through productivity, specialty skill, labour, and time into
gold.
It follows that in a free market, the future value of this total
gold stock (the gold price) will be bid up or down in units of
energy, labour, time and information from participants in the
real-economy.
Therefore the long-run price must always clear at an
equilibrium reflecting the immutable cost ratio in physics
(rather than external currency measurement) between the
input units and gold.
5

7. Gold’s Natural Monetary Properties – The Proof is in the Math
6
The cost of life in
US Dollars over time
GOLD EFFORTLESSLY PROTECTS PURCHASING POWER AND PROVIDES IMMUTABLE MEASUREMENT IN TRANSACTIONS
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
Transportatio
n
Entertainment
$1.16
$9,000
$2.75
$1.60 $4.79
$27,825
$2.51
$10.25

8. 7

9. 8
“Devoid of modern savings and settlement
innovation, gold as money hasn’t been
easy or practical for centuries.
Until Now…

10. Introducing Goldmoney
9
Using technology to make gold easily accessible through a modern global network,
making it the best way to save, spend, or earn gold, anywhere in the world.
THE WORLD’S GOLD SAVINGS & PAYMENTS NETWORK

11. The Technological Evolution of the Gold market
10
GOLDMONEY INNOVATION REMOVED 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
(1% of spot price)
+ 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
+

12. 11
Gold Ownership Made Easy
 Securing Users’ Purchasing Power
 Providing Reliable Savings Tools
 Innovating How Global Payments Work
Gold Ownership Made Easy

13. 12

14. Features
◆ 100% allocated gold savings (nine vaults)
◆ Easily build a savings plan (drip/recurring savings)
◆ Send, request, shop, and donate globally with Gold
◆ No minimums or monthly fees
◆ Free storage & insurance
◆ Free Goldmoney third party issued pre-paid MasterCard
◆ As low as 1% purchase / redemption fee
◆ Goldmoney fraud & purchase protection
◆ Goldmoney mobile
◆ Goldmoney community & online support
Why Consumers Love Goldmoney
Simplicity Security Flexibility
+ One account that lets you save in gold, transfer gold to
friends and family, shop online and in stores globally.
13

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 or redeem to your currency for 1%
◆ Customer & inventory management
◆ Automatic settlement to your bank
◆ 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
14

16. ◆ 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 18K Gold third party issued
MasterCard prepaid card
Trusted Private Wealth Management
Fully Reserved Your Metal Your Money
+ Safeguarding Your Wealth.
Protecting Your Legacy.
Features
15

17. 16
“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.

18. Bringing it All Together
Goldmoney Business Momentum
17

19. Goldmoney Inc. Financial Highlights
18
Revenue, Fee Revenue & Gross Profit growing significantly Quarter over Quarter ($CAD)
Driven by User, Purchase & Transaction Growth
$2.9
$66.5
$81.3
$109.2
$113.1
0
30
60
90
120
Q1 2016 Q2 2016 Q3 2016 Q4 2016 Q1 2017
Millions
Revenue
$0.01
$1.05
$1.15
$1.89
$2.86
0
0.5
1
1.5
2
2.5
3
3.5
Q1 2016 Q2 2016 Q3 2016 Q4 2016 Q1 2017
Millions
Gross Profit
As at June 30, 2016:
Working capital of $57.1M
(cash + precious metals inventory +
ST investments)
to satisfy
$715.7K of liabilities
Net liquid assets of $58.9M
(i.e. excl. goodwill, intangibles, and
PP&E)

20. Virality of a Healthy Network Effect Forming in Year One
19
62,629
189,545
263,749
344,496
448,649
538,436
602,120
693,148
760,519
833,909
935,049
1,052,959
1,101,799
1,143,986
50,000
150,000
250,000
350,000
450,000
550,000
650,000
750,000
850,000
950,000
1,050,000
1,150,000
1,250,000
Jun-15
Jul-15
Aug-15
Sep-15
Oct-15
Nov-15
Dec-15
Jan-16
Feb-16
Mar-16
Apr-16
May-16
Jun-16
Jul-16
Global Account Signups
MORE THAN 1.1M GLOBAL ACCOUNT SIGNUPS FROM MORE THAN 150 COUNTRIES
*Deposits & Transactions as reported for BitGold.

21. Business Momentum Accelerating Globally
20
WIDELY DISTRIBUTED GLOBAL ADOPTION. USERS IN MORE THAN 150 COUNTRIES.*
Q1 2016 Q2 2016 Q3 2016 Q4 2016 Q1 2017
Customers who have purchased - Growth by Region
North America Europe Asia South America Africa Oceanica

22. As Customers Mature, Their Usage Accelerates
21
0
0.5
1
1.5
2
2.5
3
3.5
4
4.5
Transactions per User with a Gold Balance*

23. 22
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

24. 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

25. 24
66mm shares O/S following completion of February 2016 financing
• 5.1mm warrants & options (2.48mm warrants forceable at C$1.78 strike)
• $59.4mm acquisition (11.1mm shares issued) of GoldMoney in July 2015
• $36.6mm in bought deal financing in February 2016
• ~$57.5 million in cash & liquid assets
The Numbers
Capital Structure, Financing & Analyst
Coverage
Founders and
Board own and
control more than
26mm shares
Analyst Coverage
GMP Securities – Stephen Boland
Dundee Securities – Eyal Ofir
Clarus Securities –Noel Atkinson
Mackie –Nikhil Thadani
Goldmoney Inc. graduates to
the Toronto Stock Exchange
in less than one year.

26. “
“BitGold enjoying rapid growth
as users put gold to work in
unlikely ways
The world is waking up to Goldmoney
It’s been money for 5000 years.
It’s money without borders
25
“What Gold is really about is long term
stability
“Spinning gold into dollars: How
bitgold intends to become a new
standard
“The continuing revolution in payment
technology makes the introduction of
competition not only possible, but
practical. BitGold, a Canadian company,
is already offering gold-denominated
transaction accounts with debit card.
“
BitGold is one of the top 10 global
fintech companies to watch in 2016.

27. Significant Milestones
Achieved in Year One
26
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 9
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-July 2016
• Launch of Business Accounts
and Payments
• Completes Upsized Financing
from C$15MM to C$36.6M
• Graduation to the Toronto
Stock Exchange Main Board
Listing TSX:XAU
• Launch of Gold Payroll for
Business Platform
• Surpassed 1 million Sign Ups
• Unification of BitGold /
Goldmoney Brands. Creation of
Goldmoney Personal, Business
and Wealth accounts.
• Acquisition of Schiff Gold
physical gold business.

28. Goldmoney Announced Acquisition of Schiff Gold and forms
consultant agreement with Renowned Gold Investor Peter Schiff
July8,2016
27
*Non-audited & non-IFRS results. For further information
please refer to Goldmoney Inc. press release dated July 8th
2016.
27
Acquisition Overview*:
• Goldmoney Inc acquires 100% of Schiff Gold by issuing1,063,000 common shares of
Goldmoney Inc with a deemed value of $5,315,000 (at CAD $5.00 per share announcement
VWAP) as well as 1,400,000 common share purchase warrants
• Pursuant to the consulting agreement, Peter Schiff will provide strategic development, product
development, branding and marketing services to Goldmoney
• Peter Schiff will be paid fees equal to 50% of the distributable income from Schiff Gold Inc.
with a minimum term of twenty years.
• The transaction is subject to customary commercial closing conditions including regulatory
approval, and is expected to close by end of August, 2016

29. 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.