Settlement in under a second
Purchases hit your ledger the moment the terminal beeps. Balances are always true — no pending states, no phantom holds, no reconciling a statement against your memory.
Future of Banking
The Card That Redefines Luxury, Security, and the Future of Finance
Issued on the Vantage network◆
FDIC insured to $2,500,000◆
SOC 2 Type II certified◆
Live in 41 countries◆
PCI-DSS Level 1◆
Gold custody by Zürich Metals◆
0%Back in allocated gold
on every purchase
on every purchase
$0MSettled through Flux
in the last quarter
in the last quarter
0Countries with local
rails and zero FX markup
rails and zero FX markup
0msMedian settlement,
merchant to ledger
merchant to ledger
Benefits
Built for people who
Built for people who
are done waiting on banks
Every part of Flux was rebuilt from the ledger up — settlement, custody, fraud, and the card in your hand. No legacy core, no batch processing, no three-day holds.
Keys never leave the card
A secure element inside the metal signs every transaction. Flux never stores a number that could be stolen from us.
No FX markup. Anywhere.
Interbank mid-market rate on all 41 supported currencies, weekends included. What Reuters prints is what you pay.
3% back, in metal you own
Rewards settle as allocated gold held in your name in a Zürich vault — serial-numbered, audited twice a year, withdrawable as bullion or sold back at spot in one tap.
Unlimited virtual cards
Spin up a single-merchant card with its own cap and expiry. Burn it when the free trial ends.
A human in 40 seconds
One tap in the app reaches a named banker who can actually move money — not a queue, not a script, not a menu tree. They keep the same phone number for as long as you're a member, and they already know what you called about last time.
The object
18 grams of
18 grams of
aerospace steel
Milled from a solid billet, finished in 24k gold vapour deposition, and laser-etched rather than embossed. Nothing printed on the face. Nothing to read over your shoulder.
- Material
- Cold-rolled 316L steel core, PVD gold
- Weight
- 18.2 g
- Face
- Laser-etched, numberless
- Chip
- EAL6+ secure element, EMV & NFC
- Finish
- Anti-fingerprint ceramic topcoat
- Replacement
- Couriered worldwide in 24h
Security
Paranoid, by design
The threat model assumes your phone is compromised, your email is compromised, and someone at a call centre wants to help the wrong person.
-
01
Nothing to steal
Card numbers are generated per-merchant and expire on use. A leaked number is worth nothing the moment it leaves the terminal.
-
02
Signed on device
Every transfer above your threshold requires a signature from the secure element in the card itself. Tap the metal to approve.
-
03
Nobody can be talked into it
Flux staff have no ability to move funds, reset a device, or change an address. Not with a manager. Not ever. Recovery runs on your own keys.
Membership
Three ways to hold it
Every tier includes the metal card, real-time settlement, and zero FX markup. The difference is how much of the bank comes with it.
Core
$0/month
For everyday spending, with the card that doesn't look like it.
- Steel card, matte black finish
- 1% back in allocated gold
- Zero FX markup, 41 currencies
- 5 virtual cards
- Chat support, under 2 minutes
Gold
$45/month
The card in the photograph, and the vault behind it.
- 24k PVD gold metal card
- 3% back in allocated gold
- Unlimited virtual cards
- Named banker, 40-second reach
- Airport lounge access, 1,300 lounges
- $2.5M deposit insurance
Private
By invitation
Balance sheet, custody, and counsel under one roof.
- Everything in Gold
- Physical bullion delivery & storage
- Multi-entity and trust accounts
- Lombard credit against holdings
- Two bankers, one lawyer, on call
Members
What changed
I moved six figures on a Saturday and it landed before I closed the laptop. My old bank would have called that a Tuesday problem.
The gold rewards sounded like a gimmick until the first audit statement arrived with serial numbers on it. It's real metal, in my name.
Someone tried a social-engineering call on my account. Support told them, politely, that no human at Flux can do what they were asking.
Questions
Before you apply
Is Flux a bank?
Flux is a financial technology company. Deposits are held at partner institutions and insured to $2,500,000 per member through a sweep network. Allocated gold is held separately in custody at Zürich Metals and is never on Flux's balance sheet — if we disappeared tomorrow, the metal would still be yours.
How does 3% back in gold actually work?
Each purchase buys gold at the spot price at the moment of settlement and allocates it to your holding. It appears in the app as grams, not points. Sell back at spot with no spread on any amount, take delivery as 100g bars, or leave it in the vault.
What happens if I lose the card?
Freeze it in the app instantly — the secure element stops signing, so the card is inert even in someone else's hand. A replacement is milled and couriered within 24 hours to anywhere we operate. Your virtual cards keep working the entire time.
Is there a credit check?
Core and Gold are deposit accounts — no credit check, no hard pull. Lombard credit on the Private tier is secured against your holdings, so it's assessed on collateral rather than a score.
Which countries can I open an account in?
41 today, across the EEA, UK, US, UAE, Singapore, and Japan. If you're outside those, join the waitlist and we'll write when local rails go live — the queue is chronological, not preferential.
Hold the future
of your money
Applications take four minutes. Approval is usually the same day, and the card is on a courier the morning after.
No credit check · No annual fee on Core · Cancel any tier in one tap