GoldGram Pte Ltd, is a Financial Technology (FinTech) company, incorporated and with a head office in Singapore, that has digitising ownership of physical allocated gold bullion by issuing a digital token called GOLDGRAMCOIN® or GGC. The value of each GGC equals 1-GRAM of 99.9% allocated Gold Bullion held in secure storage. GoldGram – the 21st Century Gold Standard – a medium of exchange, a unit of accounting and a store of value. Each GoldGramCoin® (GGC) is equal to 1-gram of allocated gold, which means its value should never drop below the value of 1-gram of Gold. This provides peace-of-mind and stability in a volatile world. GGC are linked via an e-wallet to a prepaid card that is integrated into the Point of Sale (POS) system of the world. This allows GGC to be spent like FIAT money or to be withdrawn in cash at an ATM, thus enabling the holder to use their underlying allocated gold as money. GGC are converted into local currency at a live gold price at the time of the prepaid card transaction. GGC enable holders to own and redeem physical gold, affordably and efficiently, benefitting from the underlying intrinsic value of gold. They allow holders to spend gold in small amounts, in fractions of up to 4 decimals places, or less than US$0.01. Title to the underlying gold is held by the holder of the GGC