Singapore’s largest bank, DBS Group, is preparing to make gold investing easier for everyday customers by launching tokenised physical gold through its digital banking platform.
The new service, expected to roll out in the second half of 2026, will allow retail investors to buy, sell, hold and redeem gold digitally without the hassle of storing it physically.
The move comes as interest in gold investment continues to grow among investors looking for safer assets during times of economic uncertainty and market swings.
DBS believes the new product will make gold ownership more affordable and accessible, especially for people who want to invest in smaller amounts.
Key Highlights
- DBS Launches Tokenised Physical Gold for Retail Buyers
- DBS to Offer Tokenised Gold Investment in Singapore
- DBS Expands Gold Investing With Digital Gold Tokens
Under the new offering, called DBS Physical Gold Tokens, each digital token will represent one gram of physical gold stored securely in a Singapore vault. Customers will be able to manage their investments directly through the DBS digibank app, making the process similar to managing savings or other financial products.
The bank said customers can buy smaller quantities of gold, trade their holdings at any time, and even choose to redeem the tokens for physical gold if they prefer. By turning physical gold into digital units, the bank aims to remove many of the barriers that often discourage small investors from entering the market.
Tokenisation, a process that converts ownership of a physical asset into digital form, has become increasingly popular in financial markets. It allows investors to own fractions of assets, making investments more flexible and easier to access.
The timing of the launch is significant, as gold continues to attract attention globally. Many investors see gold as a reliable safe-haven asset during inflation, geopolitical tensions and economic uncertainty. Although prices have fluctuated in recent months, demand for the precious metal has remained strong.
Singapore Pushes Ahead as a Financial Innovation Hub
For DBS, the initiative is not only about expanding investment choices but also about supporting Singapore’s larger goal of strengthening its position as a leading gold trading hub and financial innovation centre.
According to the bank, demand for physical gold among its wealth management customers has more than doubled over the past three years. James Tan, Group Head of Investment Products and Advisory Services at DBS, said interest in gold has increased steadily, with more investors looking for practical and convenient ways to own the asset.
The bank is also considering listing the product on its DBS Digital Exchange in the future, which could eventually open access to institutional and accredited investors.
Industry experts say the move reflects a growing shift in global finance, where traditional assets are increasingly being combined with blockchain technology. By offering tokenised gold to retail customers, DBS is tapping into a trend that could change how people invest in physical assets.
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For many investors, the service may offer a modern way to own gold — combining the security of a traditional investment with the convenience of digital gold investment and broader access to retail investors.
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