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The gold is
the same.
The terms
change everything.

Who funds the journey? Who holds the security? When does payment move? Four structures. Find the arrangement that fits both sides.

Watch how a transaction works Compare the differences ↗
Lifted contract pages headed Terms of Agreement, with a black fountain pen and a restrained gold nib

Watch the structure
come to life.

Choose a model. Understand the terms, then follow the gold, the money and the security.

Zero CIF

Financial instruments that move the gold.

Buy gold without travelling to the seller. Zero CIF lets the buyer stay at the destination while providing a bank-backed payment commitment that gives the seller the confidence to ship.

Buyer and seller first agree the terms, then establish the instrument through the buyer’s bank at destination and the seller’s bank at origin. The seller organises and funds delivery to the nominated destination refinery. Independent assay comes next. The required documents are checked against the instrument, then payment follows under the agreed terms.

For the buyer
No travel to origin and no export-cost advance to the seller. Gold is delivered for independent destination assay before payment.
For the seller
A bank-backed payment commitment before shipping, with payment due when the agreed conditions are met.
For both sides
Agreed delivery and settlement conditions that make the transaction possible.
Discuss Zero CIF ↗

How the transaction works

Follow the agreement, bank instrument, seller-funded delivery, assay report and payment. The buyer stays at the destination.

Ready to explore
Zero CIF01 / 07

Buyer and seller agree the terms.

Transaction walkthroughSelect Play to follow the shipment, funds and any separate collateral.
Main shipmentBuyer fundsSeparate collateral

Transaction steps

Select any step to revisit it in the animation.

Illustrative sequence. The transaction agreements define the actual funding, custody and release conditions.

What must be agreed

The acceptable financial instrument, delivery terms, nominated refinery and assay-based settlement conditions are agreed before shipment.

Read the transaction steps
  1. Buyer and seller agree the price, delivery, nominated refinery and payment conditions. The buyer remains at the destination.
  2. The buyer’s bank at destination sends the instrument to the seller’s bank at origin. The terms are agreed before shipment.
  3. With the instrument in place, the seller organises and funds export, insurance and delivery to the destination refinery.
  4. The destination refinery independently assays the gold and issues the report required under the instrument.
  5. The instrument and assay report are brought together and checked against the agreed terms.
  6. The document check confirms that the agreed payment conditions are met.
  7. After the document check is approved, payment follows through both banks under the agreed terms.

EasyGold CIF

Export funding backed by gold collateral.

You advance agreed export costs against separately tested gold collateral held under your sole control. You oversee the transaction at origin, then accompany the main consignment to destination for assay. Separate collateral stays secured at origin until settlement.

You commit
Agreed export costs
You control
Separate gold collateral
You settle
The balance after assay
Discuss EasyGold CIF ↗
What must be agreed

The collateral value, testing, sole custody, delivery deadline and default rights. The Collateral Management Agreement and Sale and Purchase Agreement are signed before the advance.

Read the transaction steps
  1. Agree collateral, testing, custody, delivery and settlement terms before money moves.
  2. The buyer travels to Africa to oversee testing and the custody arrangements on the ground.
  3. Separate gold collateral is tested and secured in the vault under the buyer’s sole control. The key represents that control.
  4. With collateral secured and the CMA and SPA signed, the buyer advances the agreed export costs.
  5. The buyer accompanies the larger main consignment to destination. The smaller collateral remains secured at origin under the buyer’s control.
  6. The destination refinery tests the main consignment and issues the assay report. The collateral stays secured at origin.
  7. The buyer makes the final payment after assay, with the advance accounted for in the final invoice.
  8. After confirmed settlement, the separate collateral is released back to the seller under the CMA.
  9. With settlement complete, the assayed gold passes to the buyer.

EasyGold Escrow

Attorney-held funds. Agreed conditions for payment.

An agreed independent solicitor or escrow agent outside Africa holds the escrow agreement and the buyer’s deposited funds. Release follows destination assay and the conditions written into that agreement.

You commit
An agreed escrow deposit
Who holds it
An independent escrow agent
Release follows
Assay and agreed conditions
Discuss EasyGold Escrow ↗
What must be agreed

The independent escrow agent, jurisdiction, deposit amount, funding deadline and release or refund conditions. Buyer and seller agree the document and lodge it with the agent before funds are deposited.

Read the transaction steps
  1. Buyer and seller agree the independent escrow agent outside Africa, the deposit and the release or refund conditions.
  2. The agreed escrow document is lodged with the agent, who holds it and administers its instructions.
  3. The buyer transfers the agreed deposit. The escrow agent holds the funds and agreement; the agent does not finance the purchase.
  4. The seller arranges shipment to the destination refinery. The agreement and funds remain with the escrow agent.
  5. The refinery independently assays the shipment and issues its report. The funds remain held in escrow.
  6. The escrow agent checks the assay report and required documents against the lodged agreement.
  7. The agreed release conditions are met. The agent can now release the held funds.
  8. The escrow agent releases the buyer’s deposited funds to the seller under the agreement. Any remaining balance follows the transaction terms.
  9. With settlement complete, the assayed gold passes to the buyer.

Tri-Party CIF

Solving the custody deadlock.

A seller can have genuine gold and still lack the money to export it. The buyer can fund that journey, but needs protection before the shipment arrives. The deal stalls over one question: who controls the gold pledged as security?

Giving the buyer sole custody protects the advance, but asks the seller to trust the buyer with the collateral. Sharing access directly can leave the buyer exposed if the seller has influence over the vault operator. Neither arrangement resolves both parties’ concerns.

Tri-Party CIF puts custody with independent legal and banking parties. Each side has legal representation; neither buyer nor seller holds a key. This gives the buyer security for the advance and the seller a route to export without handing the buyer sole control. Both can proceed under agreed conditions for settlement and release.

For the buyer
Security for the advance, with access kept outside the seller’s control.
For the seller
Export funding without placing collateral solely in the buyer’s hands.
For both sides
Legal representation and agreed release conditions, so a custody dispute need not stop a viable deal.

The seller and buyer share the vault, institutional administration and legal oversight costs.

This is the route for a transaction held back by custody: sole buyer control is unacceptable to the seller, and direct shared custody does not adequately protect the buyer.

Discuss Tri-Party CIF ↗
Read the transaction steps
  1. The buyer and seller agree testing, custody, costs and release conditions before money moves.
  2. Separate gold collateral is tested and placed under agreed independent institutional control.
  3. The first independent keyholder secures one side of the custody arrangement.
  4. The second independent keyholder secures the other side. Neither keyholder can release the collateral alone.
  5. With collateral secured and the agreements signed, the buyer advances the agreed export costs.
  6. The main consignment travels to the destination refinery. The separate collateral remains locked in Nairobi.
  7. Independent destination assay establishes the settlement basis. Collateral stays secured while settlement is completed.
  8. The buyer settles the balance, accounting for the advance. The institutions or custodian confirm the agreed release conditions.
  9. After confirmed settlement, the separate collateral returns to the seller under the agreed release instructions.
  10. With settlement complete, the assayed gold passes to the buyer.

A structure is only as good as the people who honour it.

EasyGold helps assess whether the parties and their proposed procedures fit together. The work starts with the objections, uncertainties and competing expectations—before money moves.

  1. 01Establish who is actually buying and selling.
  2. 02Agree funding, testing and custody.
  3. 03Define settlement—and what happens if the deal stops.

EasyGold does not hold client funds or collateral. These structures describe the proposed arrangements; they are not a record of completed transactions.

Understand the market risks ↗

Which arrangement
fits your position?

The differences, together. Compare what changes before choosing what fits.

Swipe or scroll sideways to compare all four models.

Compare funding, security, control, local involvement and settlement across all four models.
The decisionZero CIFEasyGold CIFEasyGold EscrowTri-Party CIF
Export fundingSellerBuyer advanceAgreed with sellerBuyer advance
What is securedPayment commitmentSeparate gold collateralBuyer’s escrow depositSeparate gold collateral
Who controls itUnder the agreed payment structureBuyer’s sole custodyIndependent escrow agent outside AfricaIndependent institutions
Local involvementBuyer stays at destinationBuyer or representative attendsAgreed per transactionAgreed per transaction
SettlementAfter assay, under agreed termsBalance after assay; advance accounted forRelease under written assay conditionsBalance after assay; advance accounted for
ExploreView model ↗View model ↗View model ↗View model ↗
These can work together.

Escrow describes how funds are held. Zero CIF describes seller-funded delivery. An escrow arrangement can therefore support a Zero CIF transaction.

What’s on your mind?

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I already have
a seller.

Let’s examine the proposed terms before you commit.

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for a route.

Let’s discuss your funding arrangements and destination.

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one question.

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Come with an ambition. Arrive with our plan.info@easygold.africa ↗