Goldmoney Inc. August 2016

@Goldmoney

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 NoticeThese 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

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.

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.

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.

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.

Au79

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

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

Transportation

Entertainment

$1.16

$9,000

$2.75

$1.60 $4.79

$27,825

$2.51

$10.25

7

8

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

Until Now…

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

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

+

11

Gold Ownership Made Easy Securing Users’ Purchasing Power

Providing Reliable Savings Tools

Innovating How Global Payments Work

Gold Ownership Made Easy

12

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

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

◆ 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

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“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.

Bringing it All Together

Goldmoney Business Momentum

17

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

Mil

lio

ns

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

Mil

lio

ns

Gross ProfitAs 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)

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

1,052,9591,101,799

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

Ju

n-1

5

Ju

l-15

Au

g-1

5

Se

p-1

5

Oct-1

5

No

v-1

5

De

c-15

Ja

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6

Fe

b-1

6

Ma

r-16

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r-16

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6

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6

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l-16

Global Account Signups

MORE THAN 1.1M GLOBAL ACCOUNT SIGNUPS FROM MORE THAN 150 COUNTRIES

*Deposits & Transactions as reported for BitGold.

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

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*

22

Top ExecutivesThe 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

Goldmoney Inc. Board of Directors

Lead Director

Founder

James Turk

Director

Hector FlemingDirector

Chairman of Audit Committee

Mahendra Naik

Director

Leslie D. Biddle

Director

Chief Strategy Officer

Josh Crumb

Director

Chief Executive Officer

Roy Sebag

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.

“

“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.

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.

Goldmoney Announced Acquisition of Schiff Gold and forms consultant agreement with Renowned Gold Investor Peter Schiff

July 8, 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

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.