Invest in gold
easier than ever.

Kvarn X Gold is investment gold offered in digital form. The investment gold is guaranteed by physical gold by Kvarn Metals Oy.

You can sell your gold at any time (24/7) directly in the app. Funds are transferred to your Kvarn account immediately, from where you can withdraw them to your bank account.

You can start investing from just 5€. We want to make value preservation possible for everyone.

No. The sale and brokerage of physical gold is not regulated investment activity (like stocks or funds). However, we follow the highest industry standards and modern technical solutions in our operations, ensuring your gold investment is always up-to-date and securely stored.

You cannot redeem gold physically to your home. Gold reserves are stored by Kvarn's international partners in London, the heart of the world's gold markets. This centralized model enables cost-effective wholesale pricing and completely free storage for you.

You can trade 24/7. We offer real-time institutional pricing continuously, every day of the year. Welcome to the modern era.

Opening an account is easy and fast. You only need Finnish bank credentials for identification. After registration, you can deposit euros and start investing immediately.

We onboard clients across the Nordics: Finland, Sweden, Norway and Denmark.

Unlike traditional gold dealers, we don't handle small physical coins or bars logistically at every step. We use large institutional vaults and digital trading, which allows us to offer €0 storage fees and the market's lowest brokerage costs.

Gold is stored in the highest security-rated professional vaults in London. The vaults are insured and regularly audited.

When investing in Kvarn X Gold, Kvarn Metals Oy acts as your official contracting partner. We are not just a technology platform — we buy the physical gold from wholesale markets on your behalf and manage its administration.

Yes. Every Kvarn X Gold account is covered 1:1 by physical gold. When you buy gold, it is reserved for you from LBMA-certified bars in the vault.

All trades are executed directly with international market makers (back-to-back). Kvarn Metals Oy does not carry market risk or maintain its own inventory, which guarantees operational stability.

Investment gold is exempt from VAT. If you sell gold at a profit, the capital gain is subject to capital gains tax in Finland. Remember to report capital gains in your tax return.