Why Silver Bullion’s Precious Metals Secured Loan Platform is One of the Safest Ways to Earn Attractive Returns
Finding a way to grow your wealth without taking on excessive risk can feel like a balancing act. Traditional savings accounts offer negligible interest, fixed deposit returns are typically too low to outpace inflation, while many investment products expose you to volatility, hidden leverage, or even counterparty risk.
That’s why more and more prudent investors are turning to our Bullion Secured Peer-to-Peer (P2P) Loan Platform—a lending system built on tangible assets, complete transparency, and a decade-long track record with zero lender losses.
A Simple Promise: Lend Safely, Earn Securely
Launched in 2015, Silver Bullion’s P2P Loan Platform was designed with one goal in mind: to give our storage clients an option to borrow against their vaulted bullion and provide lenders with a low-risk, asset-backed alternative to traditional financial products. A decade later, with nearly SGD 1 billion lent on the platform, that mission remains unchanged.
Over the years, thousands of lenders have earned attractive returns by lending SGD, USD, and EUR directly to borrowers who secure their loans with physical gold and silver stored within our highly secure and comprehensively insured vaults.
How We Make Lending Safe—By Design
1. Fully Collateralised with Physical Precious Metals
Every loan on Silver Bullion’s P2P Platform is not just fully collateralised—it is overcollateralised, meaning the borrower deposits more value in bullion than the loan amount itself.
At the start of each loan, collateral levels range from 160% to 200% of the borrowed amount, creating a substantial safety buffer to protect lenders even in the event of market volatility.
The collateral comprises comprehensively insured investment-grade gold, silver, and platinum bullion, stored securely in our vault, The Safe House. These are highly liquid assets, which are valued at international metal spot prices, can be swiftly sold if needed and are internationally recognised, often produced by refiners accredited by the London Bullion Market Association (LBMA).
2. Verified Authenticity of Bullion Collateral
All bullion used as collateral is guaranteed genuine, ensuring the highest level of trust and security.
Most precious metals are sourced directly from mints or authorised distributors, eliminating the risk of counterfeit products entering the system. Bullion purchased elsewhere by clients and transferred into our vault undergoes DUX Testing—Silver Bullion’s proprietary verification process that rigorously tests for authenticity without damaging the bullion.
Conducted by The Safe House, DUX Testing combines several independent methods to confirm the metal’s physical and elemental integrity, ensuring that the gold or silver is exactly what it claims to be. Therefore, every single bullion item used as loan collateral is either directly sourced or tested by Silver Bullion—giving lenders full confidence that the assets backing their loans are tamper-free and genuine.
3. Fully Insured Collateral That is Vaulted in a High-Security Facility
Collateral is stored securely within The Safe House, Silver Bullion’s high-security vault in The Reserve facility in Singapore. Purpose-built for precious metals storage, the facility is equipped with advanced surveillance and intrusion detection systems, over 400 tons of composite steel UL Class 2 vaults and is protected by armed auxiliary police officers—ensuring excellent physical security.
Additionally, every bullion held as collateral is fully insured under a policy backed by Lloyd’s of London, one of the world’s largest and most established insurance markets, renowned for insuring high-value and complex risks for over three centuries.
Bullion stored within The Safe House vaults are currently insured for a maximum of SGD 1.5 billion for any one loss. The amount insured is regularly raised in tandem with the increase in bullion stored in our vaults.
4. Independent Quarterly Bullion Audits
All vaulted bullion can be identified on our Parcel Ownership List by its unique codes or serial numbers. This list can be downloaded by all clients with verified S.T.A.R. Accounts. It is also used in quarterly on-site bullion audits by third-party auditors, confirming that stored bullion, including borrowers’ precious metals, are physically present in our vault at The Safe House.
Ensuring that borrowers’ collateralised precious metals are not withdrawn or sold until loans are fully repaid is a multi-layered process that involves internal controls and external independent checks.
5. Clear Separation of Lending Funds
Lender funds are kept completely separate from Silver Bullion’s operational accounts and company assets. When you deposit funds for lending, the money is held in a dedicated client account at a licensed Singapore bank, used solely for facilitating P2P loan transactions. This means your funds are never commingled, reinvested, or exposed to Silver Bullion’s business activities.
Legally, this structure is treated as a quasi-trust arrangement. While no formal trust deed is involved, the way the account is structured (where Silver Bullion holds funds for the sole benefit of clients) means your funds remain legally yours.
In the unlikely event of insolvency, these funds would not be available to Silver Bullion creditors and must be returned to you. Client balances are tracked individually in our system, which ensures accurate reconciliation by a liquidator or court-appointed administrator if necessary.
6. Active Margin Monitoring and Collateral Protection
Every loan on the platform remains fully backed by physical bullion throughout its entire term. While all loans begin with a strong collateral-to-loan ratio of 160% to 200%, the value of that collateral can fluctuate with the market prices of gold and silver.
To protect lenders from downside risk, Silver Bullion continuously monitors the value of pledged bullion in real time.
If the collateral value drops to 110% or lower relative to the outstanding loan, a margin call is automatically issued to the borrower, requiring them to top up the collateral promptly.
Should the borrower fail to respond, the loan is forcibly terminated and a portion of the bullion is liquidated to repay the lender in full—covering both principal and accrued interest. This system ensures that lenders are never left exposed and that loan safety is actively maintained even during market volatility.
7. Timely Repayments Made Possible by the Sweeper Fund
In the event that a borrower is late in making a repayment, Silver Bullion immediately steps in and activates a Sweeper Fund to pay the lender the full principal and interest due, right on schedule. This means that as a lender, you always receive your payments on time, regardless of borrower delays.
The Sweeper Fund acts as a short-term buffer. Once it covers a delayed payment, the borrower is still required to settle the debt, and they incur a late payment penalty fee until repayment is made.
Addressing Regulation
Our Bullion Secured P2P Loan platform does not fall under the scope of the Monetary Authority of Singapore ("MAS") regulation for several key reasons:
- Silver Bullion is not a financial institution – The company does not operate as a bank or financial intermediary. It provides a matching platform for borrowers and lenders but does not intermediate, underwrite, or otherwise manage the credit risk of loans.
- The platform uses bullion as collateral, a physical good – All loans facilitated through the platform are fully collateralised by physical precious metals (such as gold and silver) stored under the custody of Silver Bullion. Since the collateral is a tangible asset rather than a financial instrument, the nature of the transaction falls outside traditional financial services as defined under Singapore’s regulatory framework.
- Loans are conducted on a one-to-one basis between a single lender and a single borrower – Each loan is a bilateral agreement directly between two parties. This structure differs from collective investment schemes or pooled lending platforms, which typically fall under MAS supervision due to the complexity and scale of their fund management.
- Customer funds are kept separate – Silver Bullion does not commingle customer funds or reflect them on its balance sheet. This ensures a clear separation of customer funds and company assets, further distancing the platform from traditional financial institution activities that MAS regulates.
While the platform is not subject to MAS licensing requirements, Silver Bullion maintains strong safeguards over loan processes, including strict control of collateral, secure handling of physical bullion, and customer due diligence.
A Strong, Rooted Company You Can Trust
Silver Bullion has built a solid foundation in Singapore over the past decade, with a long-term vision anchored in transparency, resilience, and client trust. Our systems are largely independent of the financial system, never use leverage and are always fully backed by physical bullion held in our fully owned vaults.
While our P2P loan platform is not regulated by MAS, Silver Bullion is a registered and regulated Precious Metals Dealer under Singapore’s Ministry of Law, ensuring compliance with anti-money laundering and customer due diligence regulations.
We are also proud members of the Singapore Bullion Market Association (SBMA) and the London Bullion Market Association (LBMA), two of the most respected industry bodies promoting integrity and standards in global precious metals markets.
Our commitment to Singapore is further demonstrated by our investment in constructing The Reserve, a purpose-built, ultra-secure facility that we fully own and operate to store bullion and house our headquarters.
These milestones reflect not only financial strength and industry leading innovations but also our deep, long-term presence in Singapore which was even recognised by foreign head’s of state such as Hong Kong’s chairman, John Lee, in his Hong Kong policy address, which singled us out as the “stiff Singapore competition” that Hong Kong must compete with.
10 Years. 0 Late Repayments and Defaults. Unlimited Peace of Mind.
Since its launch in 2015, Silver Bullion’s secured Peer-to-Peer (P2P) loan platform has quietly built an exceptional track record, matching nearly SGD 1 billion in loans across more than 23,000 successful matches, all while achieving zero late repayments or loan defaults with trading volume growth of about 30% per year.
This impeccable performance is a testament to the platform's consistent delivery of value to its users, especially protecting lenders’ funds and timely interest payments.
Beyond the system’s inherent security, the platform has benefited from a powerful network effect. Much like Metcalfe’s Law, which observes that the value of a network increases exponentially with each additional user, the platform’s strength has grown in tandem with its community.
As more lenders and borrowers join, the marketplace becomes increasingly liquid and efficient. This growth has come from individuals. Companies currently cannot borrow, as it would be a public offering. This network strength ensures consistent loan demand, shorter matching times, and better rates for all participants, especially new users who now benefit from a well-established and vibrant ecosystem.
Attractive Returns Without Unnecessary Risk
Silver Bullion’s Precious Metals Secured Loan Platform provides a rare combination of attractive yields and low risk—an increasingly valuable proposition for prudent investors.
Lenders currently earn average returns of 4–6% per annum, significantly outperforming traditional savings accounts and fixed deposit rates, which typically offer only a fraction of that. In recent months, several USD loans were matched at 8-9% p.a..
While higher-yielding investments like stocks may offer the potential for greater returns, they often come with higher volatility and the risk of capital loss.
This makes the platform an ideal way to put idle cash to work, especially for those looking to beat inflation without taking excessive risk.
Ready to Lend? Start Today.
If you’re looking for a way to earn steady, attractive returns without exposing your capital to unnecessary risk, Silver Bullion's Precious Metals Secured Loan Platform is a compelling choice.
Getting started is straightforward. Once your S.T.A.R. account is verified and funded, you can begin submitting lending offers with your preferred terms. The platform handles everything else—from securing bullion collateral, loan disbursement, to managing repayments—so you can lend with confidence.
Join thousands of lenders who are already earning more—safely.