S.T.A.R. Grams represent fractional ownership of real physical precious metals (e.g. gold, silver, platinum) stored in our high-security vault. Each gram corresponds to a recorded percentage of specific bars that already exist, have been tested, and are fully accounted for.
You are not buying a paper claim or a future promise. You are buying legal ownership of metal that is already in storage.
Yes. S.T.A.R. Grams can be pledged as collateral on our Peer-to-Peer lending platform.
When pledged, your grams are locked and cannot be sold or redeemed. If the loan defaults, the collateral may be liquidated according to platform rules.
Yes. With S.T.A.R. Grams, you are the legal owner of your specific portion of the bars. Your ownership is recorded as a percentage of specific bars.
Because the portion of the metal belongs to you and not to the company, it is not included on Silver Bullion’s balance sheet. It is treated as your property held in storage. If something were to happen to the company, the metal remains yours and is not considered company assets.
Not always. Some providers structure their programs differently. In some cases:
In periods of high demand, this can lead to delays because customer balances depend on future deliveries.
S.T.A.R. Grams are structured so that bars allocated to S.T.A.R. clients are dedicated to those clients and are not reused for other trading activities.
Unallocated programs usually mean you do not own specific metal. You hold a claim against the provider. That can mean:
With S.T.A.R. Grams:
Your grams represent real bars, not an IOU.
Multiple clients may share ownership of the same bar, but each owner has a clearly tracked percentage. The bar is never double counted and is not used for other purposes.
This is different from generic “pooled” accounts where the provider simply claims to hold enough metal overall.
How are the bars backing S.T.A.R. Grams tracked?
The backing is tracked through Gramchain, our blockchain-based Proof-of-Reserves system.
Every bar placed into storage is:
These records are written into a blockchain database to prevent silent tampering. Clients can view the bars supporting S.T.A.R. holdings, helping verify that the metal exists, is inside the vault, and has not been double counted.
You can view the bars backing your S.T.A.R. Grams through the Gramchain explorer. Inside your account, go to Manage Holdings. There, you will see the bars that support your S.T.A.R. Grams, along with details such as bar serial numbers, weights, testing information, storage location, and the recorded percentages.
You can also explore the public Gramchain records here: https://www.silverbullion.com.sg/STAR-Grams
Gramchain lets you independently verify that:
It gives you visibility instead of just relying on trust.
Yes. You can turn on AutoSave and choose how much to buy, what metal to buy, and how often to buy it. If there is not enough money in your Cash Balance, the purchase simply does not happen. You can change or stop AutoSave anytime.
“Pre-Order” appears when all currently allocated S.T.A.R. bars have already been fully assigned to clients.
Because S.T.A.R. Grams must always be fully backed, the completion of orders is paused until new bars arrive. The bars are then tested, recorded in Gramchain, and allocated. Once the bullion is physically available, the order is completed.
In some programs, customer balances are linked to inventory still being sold or to metal that has been ordered but not yet delivered. This allows continuous selling, but it means backing may rely on future supply.
S.T.A.R. Grams segregate the bullion backing the program. Once allocated, it cannot be separately sold or reused while it remains allocated.
No. There is no required holding period and no minimum balance.
Storage fees are calculated every day and accrue over time. They are always deducted in grams, from your S.T.A.R. Grams balance. Storage is only deducted monthly when the accrued amount reaches 0.01 grams or more. If the amount for that month is below 0.01 grams, nothing is deducted that month and the accrual continues.
There is also a yearly minimum storage amount, and it is different by metal:
If, by the end of the year, your total deductions are below these amounts, we deduct the difference once at year end. If you sell back or redeem your grams, any accrued storage that has not yet been deducted will be settled first.
You can review the official storage rates here: https://www.silverbullion.com.sg/Info/ScheduleOfCharges#star-grams
Storage accrues every day. It is deducted monthly only if the accrued amount reaches at least 0.01 grams.
Example:
|
Month |
Accrued During Month |
Month Deduction |
|
January |
0.010 grams |
0.010 grams will be deducted |
|
February |
0.006 grams |
Nothing is deducted this month |
|
March |
0.004 grams |
0.010 grams will be deducted |
Anything not deducted continues accruing and is handled under the annual minimum. All deductions are always in grams and reduce your S.T.A.R. Grams balance.
Storage still accrues. If you sell during the month, whatever has accrued is deducted first, then the rest is sold.
Example:
|
Description |
Grams |
|
Your balance |
50.000 g |
|
Accrued storage |
0.007 g |
|
Deducted for storage |
0.007 g |
|
Net Grams Sold |
49.993 g |
If your storage for the year is very small, there is a yearly minimum.
Minimums are:
Example: below the minimum (gold)
|
Description |
Grams |
|
Total deducted during the year |
0.060 g |
|
Annual minimum |
0.100 g |
|
Extra deducted at year-end |
0.040 g |
Example: above the minimum (gold)
|
Description |
Grams |
|
Total deducted during the year |
0.180 g |
|
Annual minimum |
0.100 g |
|
Extra deducted at year-end |
0.000 g |
Yes. You can receive physical gold, silver, or platinum products subject to product availability and relevant physical premiums. However, it is not a direct conversion of your grams into the exact bar that backed them. Your S.T.A.R. Grams are first sold back to us at the current spot price. The proceeds are then used to buy the physical bar or product you choose subject to the products physical premium.
Because S.T.A.R. Grams represent fractional ownership of shared bars, the physical bar you receive comes from available inventory, not the specific bar that originally backed your grams.
Yes. Smaller bars generally have higher physical premiums. Many clients use S.T.A.R. Grams to accumulate gradually and later redeem larger bars that carry lower premiums.
Yes. Because we buy back grams at spot without extra redemption fees, you may use the equivalent value to purchase eligible products from our retail store, subject to pricing and availability.