Luxembourg · Private Custody · Since 2014

Your gold.
In a Luxembourg vault.
Under your name.

Allocated physical precious-metals custody for private clients across Europe. Each bar serialised, certified, insured by Lloyd’s of London, and audited quarterly — yours, not ours, not anyone else’s.

Apply for Membership How it works

999.9‰ fine

Lloyd’s insured

Quarterly audited

0% VAT (EU)

01 — The Difference

Most “gold accounts”
don’t actually contain gold.

There is a category-defining difference between owning a bar of gold and owning a claim on a pool of gold someone else holds. The first is property. The second is a creditor entry. Here is how Ariyor compares.

Bar assigned by serial

✓ Yes

Counterparty risk

None — segregated

You are a creditor

Certificate of Origin

✓ Per bar

Pooled or unavailable

Physical withdrawal

Anytime, 24h notice

Cash settlement only

VAT treatment

0% (EU Directive)

Varies by product

Independent audit

✓ Quarterly

Internal only

02 — The Process

From application
to vaulted in four steps.

No queues. No call centres. One private advisor, from start to finish.

Apply

Complete our online form — takes under five minutes. Personal details, contact, intent.

Verify

KYC and AML checks completed within one business day, per EU regulation.

Onboard

A private advisor calls you personally to set up vault preferences and your first allocation.

Access

Your My Ariyor dashboard is active. Track holdings, request withdrawals, message your advisor.

03 — Frequently Asked

Questions worth asking.

If you’re evaluating any gold custodian, these are the right questions to put to them — not just to us.

What’s the minimum to open an account?

No fixed minimum. Most of our private clients begin with somewhere between €10,000 and €50,000 in physical metal, though we work with portfolios of any size and account services are tiered accordingly.

Is my gold really in my name?

Yes. Allocated custody means each bar is assigned to you by serial number and recorded against your account. It is never commingled with the holdings of other clients, never lent, and never used as collateral by us. Legally, it is your property, not ours.

What happens if Ariyor fails?

Because your bars are allocated and segregated, they are legally your property — not part of our balance sheet. In the event of insolvency, they would be returned to you directly, not distributed to our creditors. This is the central legal protection of allocated custody.

Can I physically collect my gold?

Yes, with 24 hours’ notice for security scheduling. Our Luxembourg office on Rue Glesener has a private handover room and reserved parking. Many clients choose to leave the metal vaulted and take cash settlement instead — the choice is always yours, on each transaction.

Why Luxembourg specifically?

Luxembourg combines zero VAT on investment-grade gold (per the EU VAT Directive), AAA sovereign credit, a century-old banking and custody tradition, and proximity to every major European financial centre. It is one of the four classical jurisdictions for fine-metals custody worldwide, alongside Switzerland, London, and Singapore.

How is my gold insured?

The full contents of the vault are insured by Lloyd’s of London against theft, loss, and damage. This insurance is in addition to the physical security of the vault itself, which is rated UL-2 Class M and continuously monitored.

Your gold.In a Luxembourg vault.Under your name.

Most “gold accounts”don’t actually contain gold.

From applicationto vaulted in four steps.