Goldmoney Inc.I N V E S TO R R E L AT I O N S P R E S E N TAT I O N

February 2017

@Goldmoney

Business Overview | 2 – 15Corporate Q3 2017 Update | 16 – 31

For the Period Ending December 31, 2016

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These Slides contain certain “forward-looking information”

within the meaning of applicable Canadian securities laws that

are based on expectations, estimates and projections as at the

date of these Slides. The information in these Slides about the

future plans and objectives of the Company are forward-

looking information. Other forward-looking information includes but is not limited to information concerning the

intentions, plans and future actions of the Company. Any

statements that involve discussions with respect to predictions,

expectations, beliefs, plans, projections, objectives,

assumptions, future events or performance (often but not

always using phrases such as “expects”, or “does not expect”,

“is expected”, “anticipates” or “does not anticipate”, “plans”,

“budget”, “scheduled”, “forecasts”, “estimates”, “believes” or “intends” or variations of such words and phrases or stating

that certain actions, events or results “may” or “could”,

“would”, “might” or “will” be taken to occur or be achieved) are

not statements of historical fact and may be forward-looking

information and are intended to identify forward-looking

information.

This forward-looking information is based on reasonable

assumptions and estimates of management of the Company at the time it was made, and involves known and unknown risks,

uncertainties and other factors which may cause the actual

results, performance or achievements of the Company to be

materially different from any future results, performance or

achievements expressed or implied by such forward-looking

information. Such factors include, among others: the

Corporation’s limited operating history; future capital needs

and uncertainty of additional financing; the competitive nature

of the industry; currency exchange risks; the need for the Corporation to manage its planned growth and expansion; the

effects of product development and need for continued

technology change; protection of proprietary rights; the effect

of government regulation and compliance on the Corporation

and the industry; network security risks; the ability of the

Corporation to maintain properly working systems; theft and

risk of physical harm to personnel; reliance on key personnel;

global economic and financial market deterioration impeding access to capital or increasing the cost of capital; global

economic climate; dilution; and volatile securities markets

impacting security pricing unrelated to operating performance.

Although the Company has attempted to identify important

factors that could cause actual results to differ materially,

there may be other factors that cause results not to be as

anticipated, estimated or intended. There can be no assurance

that such statements will prove to be accurate as actual results

and future events could differ materially from those anticipated in such statements. Accordingly, readers should not

place undue reliance on forward-looking information. The

Company undertakes no obligation to revise or update any

forward-looking information other than as required by law.

No stock exchange, securities commission or other regulatory

authority has approved or disapproved the information

contained herein. The Slides and the accompanying verbal

presentation are confidential and are being supplied to you solely for your information and may not be reproduced or

distributed to any other person or published, in whole or in

part, for any other purpose.

Important NoticeThese presentation slides (the “Slides”) do not comprise a

prospectus or other form of offering document relating to Goldmoney Inc. (the “Company”), and do not constitute an

offer or invitation to purchase or subscribe for any securities of

the Company or any other company and should not be relied on

in connection with a decision to purchase or subscribe for any

such securities. The Slides and the accompanying verbal

presentation do not constitute a recommendation regarding

any decision to sell or purchase securities of the Company or

any other company. Your attention is drawn to the risk factors

set out below.

Caution Regarding Forward-Looking Information

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Innovation in money has involved leveraging technology to optimize money movement through new

communication protocols, but when it comes to global trade, national currencies and regional settlement

systems are slow, inefficient, and rife with high exchange rates and price volatility.

Through fintech innovation, Goldmoney has removed cross-border friction by

building a technology stack on top of gold – the only true global money.

Money Has Become a Technology

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Innovative Technology • Modern, real-time global gold settlement platform.

• Private proprietary digital ledger & exchange. • Purchase/redeem physical gold in any denomination with all major currencies

via credit/debit cards, bank transfers, and other local payment options.• Secured & fully insured international vault locations operated by professional

private vault operators, including Brink’s, Loomis, and the Royal Canadian Mint.

The world’s gold savings

& payments network

User Benefits• Free & fully-regulated online account democratizes access to gold & provides users

with the ability to save, transact & transfer value in 100% allocated gold.• Enables global citizens to safeguard their wealth and protect their purchasing power

from currency volatility.• Fully reserved physical gold with protection against counterparty risk.

T R U E G O L D O W N E R S H I P + U T I L I T Y O F S A V I N G S A N D P A Y M E N T S

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“Gold has been a commodity money for 6,000 years due to its natural properties. It also forms an important part of most high net worth investor portfolios.

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AverageSince2000

Gold is more stable as a store of wealth than most

people recognize –especially when measured

against individual government-issued

currencies.

-0.2 -0.15 -0.1 -0.05 0 0.05 0.1

Mexicanpeso

Britishpound

Swedishkrona

Chineseyuan

Euro

Danishkrone

Koreanwon

Indianrupee

Singaporedollar

Swissfranc

Australiandollar

Hongkongdollar

NewZealanddollar

NorwegianKrone

Japaneseyen

Canadiandollar

Gold

Gold Performance (Measured in USD) vs. Currencies in 2016

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Gold is a Good Store of Value – The Proof is in the Math

The cost of life in U.S. dollars over time

G O LD P RO TECTS P URCH A S ING P O WER O VER TH E LO NG RUN

0.11

857

0.26

0.15

0.07

739

0.27

0.13

The cost of life in gold over time (grams)

1985 2015 1985 2015

Food

Fuel

Transportation

Entertainment

$1.16

$9,000

$2.75

$1.60 $4.79

$27,825

$2.51

$10.25

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“Devoid of modern savings and settlement innovation, physical gold hasn’t been easy or practical for the average person to access. Until Now…

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Goldmoney Inc.

Using technology to make gold easily accessible through a modern global network,

making it the best way to save, spend, or earn in gold, anywhere in the world.

T H E W O R L D ’ S G O L D S AV I N G S & PAY M E N T S N E T W O R K

ü Securing Users’ Purchasing Power Globally

ü Providing Reliable Savings Tools

ü Innovating How Global Payments Work

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Goldmoney’s Digital Ledger & Exchange TechnologyGoldmoney technology provides real-time settlement of physical gold allocation,

enabling the purchase, sale, and transfer of 100% allocated and reserved gold.

Digital Ledger + ExchangeGold counterparties quoting real-time best bid/ask gold

price in each vault location 24/7

Global Payment ProcessingBank, ACH, Debit, Visa, Mastercard,

Interac, China Union Pay + Wire (100+ currencies)

Global Vault OperationsTop security, storage, transportation,

insurance + accounting

LegalCompliance

Audit

• Third-Party Audit• Bank Grade KYC Regulations• AML, Risk + Trx Monitoring• Tax Lot Accounting

Global Verified Customersreceive unprecedented access to buy, spend, transfer, and earn in

gold.

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Direct Relationships with Consumers and Merchants

Global Platform with Strong Momentum

Patented Technology –Using Physical Gold for

Electronic Payments

Strong Active User Base

Customer SupportWorld-Class Regulatory & Compliance Standards

Closed-Loop Data Model for Security, Fraud & Risk Management

Key MarketAdvantages

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- Costly and risky for average investor (quality, shipping, storage & insurance costs).

- 3-5% premium to spot pricing from the bid or offer (6-10% round-trip cost).

- Very Liquid (Buy/Sell)

- Avg. annual fee 0.5% + premium to spot (0.4%) + trading commission of $10-20 + brokerage custody fee.

- Generally no ownership of underlying metal (paper security with increased risk).

+ Fully-reserved and allocated .995+ bullion with full property rights under bailment law.

+ Real-time purchase + settlement in amounts as small as .001 grams.

+ Unprecedented pricing; deposit/redeem for 0.5% of spot price (Goldmoney Network accounts).

+ Free global vault storage + insurance up to 1,000 grams for Goldmoney Network accounts.

+ Free gold balance transfers (send / request).

+ Fast purchase + redemption capabilities (multiple currency, funding and redemption options).

Traditional Physical Gold Purchase

Gold ETF Investment

+ +

Personal & Business Payments

- Global P2P transfers $600B market; avg. cost of 6% /transfer.

- Cross-border retail commerce 4-6% cost XB market.

- B2B invoicing avg. annual fee 0.5% + premium on spot (0%) + trading.

One Platform Disrupting Three Ecosystems

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F E AT U R E S

◆ 100% allocated gold savings (nine vaults).

◆ Easily build a savings plan (drip/recurring savings).◆ No minimums or monthly fees.

◆ Free storage and insurance up to 1,000 grams.◆ Multiple funding and redemption options.

◆ 0.5% deposit and redemption fees.◆ Free global gold transfers.

◆ Free Goldmoney Mastercard® Prepaid card.◆ Goldmoney App for iOS and Android.

◆ Goldmoney Community and online support.

W H Y C O N S U M E R S L O V E G O L D M O N E Y

Simplicity Security Flexibility

+ One account that lets you save in gold, transfer gold to friends and family, and shop online and in stores globally.

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Global P2P Transfers Simplified with GoldGoldmoney is superior to a traditional money transfer

Senderuseslocalcurrencyfromabank,creditcard,ordebitcardtobuygold.

Goldsettles invault.Titleisinstantlytransferredfromsendertoreceiver forfree.

Receiverkeepsgoldbalanceforfreeorredeems tocurrencyforonly0.5%.

• Direct-to-bank value settlement in 88 countries

and 45 currencies.

• No cross-border or foreign exchange fees. No exposure to local currencies.

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F E AT U R E S

◆ Earn and transact in vaulted gold; no monthly minimums or fees.

◆ Free storage and insurance up to 1,000 grams.◆ 0.5% deposit and redemption fees; no cross-border or foreign exchange fees.

◆ Powerful suite of merchant tools (invoicing, payouts, customer/inventory management).

◆ Free Goldmoney Mastercard® Prepaid card.◆ 1% payment processing fee on invoices (paid in any currency).

◆ 1% processing fee on ecommerce sales, donations, subscriptions, and other payments via Goldmoney Pay.

◆ Seller protection on transactions with Goldmoney Network users.◆ Goldmoney App for iOS and Android.

W H Y M E R C H A N T S L O V E G O L D M O N E Y

Global Reach Cost-Effective New Sales

+ Global processing made easy using gold. One account to pay employees and get paid by global customers and suppliers.

Pay

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◆ Buy, sell, and hold physical gold, silver, platinum & palladium.

◆ Hold and convert nine different currencies.◆ Insured custody & storage at multiple global vault operations.

◆ Goldmoney Mastercard® Prepaid cards in 18K gold and silver. ◆ Access to Goldmoney Concierge, wealth services, pension

plans, exclusive research and events.◆ Dedicated Personal Relationship Manager, phone support and

live chat support, and dealing.◆ Goldmoney App for iOS and Android.

◆ Transfer gold balance to and from Goldmoney Personal and Business accounts (coming soon).

T R U S T E D P R I VAT E W E A LT H M A N A G E M E N T

Fully Reserved Your Metal Your Money

+ Safeguarding Your Wealth. Protecting Your Legacy.

F E AT U R E S

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Goldmoney Inc.

Business Momentum Q3 2017

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For the Period Ending December 31, 2016

Significant Growth in GAU Deposit Amountsin the Europe Region Led by the U.K.

(Brexit effect)

Switzerland Germany Spain France GreatBritain

Italy Netherlands Sweden RestofEurope

Growth in Global Deposited Users & Total GAU Amounts

+79% YoY

Total Number of Users That Made a Deposit

Africa Asia Europe NorthAmerica Oceania SouthAmerica

+154% YoYin Q3 2017

in Q3 2017

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Continued Growth in Signups and Engagement

+125% YoY +71% YoY

0

1

2

3

4

5

6

Q12016 Q22016 Q32016 Q42016 Q12017 Q22017 Q32017

Transactions per Active Goldmoney Network Account

0

0.2

0.4

0.6

0.8

1

1.2

1.4

1.6

Q12016 Q22016 Q32016 Q42016 Q12017 Q22017 Q32017

Mil

lio

ns

Cumulative Signups

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Goldmoney Network Transaction Velocity Accelerating

+96% YoY

Gold Gram (GAU) Amount of Completed

Goldmoney Personal Payments

+309% YoY

Completed Goldmoney Personal Deposits

in Q3 2017

in Q3 2017

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Goldmoney Mastercard® Prepaid Card ProgressT R A C T I O N A C C E L E R AT I N G : V E R I F I E D C A R D H O L D E R S I N 1 4 0 + C O U N T R I E S

G O L D M O N E Y N E T W O R K C A R D I S S U E S & U S A G E

Local Point-of-Sale: 80% ATM Withdrawals: 20%

Distribution of Card Transactions

ATMTrx POSTrx

Q32016 Q42016 Q12017 Q22017 Q32017

Redemptions GAU > Currency

GAU>USD GAU>EUR GAU>GBP GAU>CHF

Q32016 Q42016 Q12017 Q22017 Q32017

Cumulative New Cards Issued

USD EUR GBP CHF

+27% Quarter-over-Quarter

+36%Quarter-over-Quarter

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Goldmoney Inc. Financial Highlights

$2.9

$66.3

$80.8

$108.7 $112.4

$140.4 $139.1

20

40

60

80

100

120

140

160

Q1 2016 Q2 2016 Q3 2016 Q4 2016 Q1 2017 Q2 2017 Q3 2017

Mil

lio

ns (

$) Quarterly Revenue

0.01

1.051.15

1.90

2.86

2.32

1.46

0.00

0.50

1.00

1.50

2.00

2.50

3.00

3.50

Q1 2016 Q2 2016 Q3 2016 Q4 2016 Q1 2017 Q2 2017 Q3 2017

Mill

ions

Gross Profit

As at Dec. 31, 2016:

Net Working Capital of $55.24M

Liquidity Position of$56.52M

to satisfy $1.28M of liabilities

Mil

lio

ns ($

)

Strong Revenue Quarter over Quarter ($CAD) Driven by User/Client Deposit & Transaction Growth

SEDAR

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May-16 Jun-16 Jul-16 Aug-16 Sep-16 Oct-16 Nov-16 Dec-16

Total Number of Business Payment Transactions* in GAU

*Invoices,ecommerce &goldtransfers

Showing early signs of traction following April 2016 launch. Deployed ramp up beginning in Q4 2017.

+203% QoQ

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*Deposits & Transactions as reported for BitGold.

1. Overhaul and rebrand of Goldmoney Wealth account and site experience.

2. Integration of Goldmoney Mastercard Prepaid cards for Wealth clients and connection from Network to Wealth.

3. Focus on cash flow positive; reengineer cost rationaliziation and reinvirogiate business growth.

M A J O R I N I T I AT I V E S

ü Turnaround completeü New technology-led innovationü Sustainable, profitable growth

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PlatformUnification

GoldMoneyAcquisition

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Aug-14 Aug-15 Aug-16Dec-16 Aug-14 Aug-15 Aug-16 Dec-16

Upward Trend of New Inflow Buys of Gold and Silver

W E A LT H M O M E N T U M

Net Holding Creation up by 500%+

GoldMoneyAcquisition

ü Turnaround completeü New technology-led innovationü Sustainable, profitable growth

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Jan-May 2015• Raised C$7MM• Commercial launch of

BitGold.com• BitGold commenced

trading on TSX Venture• Acquired GoldMoney for

C$51.9M

June-Aug 2015• Completed C$21M Bought Deal

Financing• Commercial launch in U.S.• Former Head of PayPal Canada,

Darrell MacMullin named CEO• Name change to GoldMoney Inc.• Gold-Settlement Technology

Linked to nine major financial institutions

Sept-Dec 2015• Launch of Mobile App for

Android & iOS• Launch of Recurring Savings &

Payments Tools• Launch of Goldmoney Insights• Launch of Automatic Bank &

Card Redemptions• Launch of World’s First Gold

Balance-Funded Prepaid Card

Jan-June 2016• Launch of Business accounts

and payments• Completed Upsized Financing

from C$15MM to C$36.6M• Graduated to the Toronto Stock

Exchange TSX:XAU• Launch of Gold Payroll for

Business platform• Surpassed 1M signups• Unification of BitGold &

GoldMoney; creation of Goldmoney Personal, Business and Wealth accounts.• Entered into Acquisition

Agreement with Schiff Gold LLC. and Marketing and Service Agreement with Peter Schiff

July-Sept 2016• Completed platform

unification and rebrand; established Goldmoney Network (Business & Personal) and Goldmoney Wealth businesses under unified Goldmoney brand

• Set new transparency standard with launch of Real Time Audit

• Accelerated direct-to-bank value settlement for 87 countries and 44 currencies

• Launched PayPal integration and exclusive vault for users in the U.K. and Europe

Significant GoldmoneyMilestones

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Significant Q3 2017 Milestones

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Oct-Dec 2016• Added the Royal Canadian Mint's secure precious metal storage

facility in Ottawa as a vault on the Goldmoney Network and entered into an agreement with the Mint to explore future co-marketing activities

• Launched the new Goldmoney App for iOS and Android.

• Completed the Schiff Gold Acquisition and entered into a Marketing and Service Agreement with Peter Schiff.

• Entered the lending space with the launch of the Goldmoney Maximizer tool

• Extended P2P transfer capabilities to Goldmoney Network users residing in the U.S and registered a U.S. subsidiary with the Financial Crimes Enforcement Network ("FinCEN")

• Reduced Goldmoney Network fees by 50% to 0.5%

• Doubled user referral rewards for the Goldmoney Personal Golden Heart™ Program

• Acquired commercial property at 9 Bond Street in St. Helier, Jersey, Channel Islands

• Introduced a connection between Goldmoney Network and Wealth

The Company made several key advancements following the close of the third quarter:• Launched Goldmoney Concierge, a luxury bespoke membership

service provided exclusively to Goldmoney Wealth clients with Full Holdings.

• Extended peer-to-peer transfers to 49 U.S. states.

• Announced Goldmoney Network accounts and Wealth Holdings had been endorsed as Shariah-compliant by the Shariah Supervisory Board of Amanie Advisors, which issued the fatwa in accordance with the Shariah Standard on Gold set by the Accounting and Auditing Organization for Islamic Financial Institutions (AAOIFI) and developed in cooperation with the World Gold Council.

• Launched additional payment integrations allowing for direct-to-bank redemptions and credit card processing in Indian rupee for Goldmoney Network.

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Investment Highlights

Goldmoney is well capitalized, performing well, and on track to achieve financial and strategic objectives for fiscal year 2017. Our six strategic priorities will guide our decisions and cultivate the next wave of growth expansion.

ENORMOUS OPPORTUNITY – Multichannel transaction platform targeted at savings and payments optimization.

POWERFUL BUSINESS MODEL – Rapidly growing savings and transaction-based business model.

WORLD–CLASS TECHNOLOGY – Proprietary patented closed-loop digital ledger and exchange.

VAST ECOSYSTEM – Engaged and expanding customer and partner base.

VISION – Proven and experienced product-driven team with a long-term focus.

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1. Win customer preference as the best way to save, spend, and send gold.

2. Accelerate network utility and adoption through strategic partner distribution.

3. Extend our global footprint & local competitive advantage.

4. Maximize the potential of Goldmoney Wealth.

5. Launch innovative new ventures and products in digital and physical.

6. Build compliance and operational excellence into all aspects of the business.

Strategic Priorities for 2017

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Goldmoney Growth Vectors

More Personal Savers & Deposits

More Solutions

More Partners & Channels

More Businesses

More International PenetrationThe leader in using gold as a global modern technology,

Goldmoney is shaping the future of payments and savings.

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• $59.4M acquisition of GoldMoney in July 2015

• $36.6M in bought deal financing in February 2016

• $67.8M total capital raised (as of June 30, 2016)

• $2.79M acquisition of Schiff Gold in November 2016

• 69.26M shares issued and outstanding (as of Feb. 2, 2017)

• 5M warrants & options outstanding (as of Feb. 2, 2017)

T H E N U M B E R S – C A P I TA L S T R U C T U R E

Capital Structure, Financing & Analyst Coverage

A N A LY S T C O V E R A G E

GMP Securities – Stephen BolandClarus Securities –Noel AtkinsonMackie –Nikhil Thadani

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Top ExecutivesThe Goldmoney teams builds on decades of experience in financial services, investment management, ecommerce & payments, software engineering,

UX/UI design, cryptography, digital security, compliance, commodity market trading, and macroeconomics.

FOUNDER & CSO, CFO

Josh Crumb

Former Sr. Metals Strategist,Goldman Sachs

CHIEF TECHNOLOGY OFFICER

Alessandro Premoli

Decade+ experience in encryption, cryptography & digital signatures

FOUNDER & CEO OF GOLDMONEY INC.

Roy Sebag

Former Portfolio Manager Long/Short Equity, Essentia Equity

CEO, GOLDMONEY NETWORK

Darrell MacMullin

Former Head of PayPal Canada, eBayFintech Advisor

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334 Adelaide St. West 3rd Floor

Toronto, OntarioM5V 1R4 Canada

Investor Relations:Jacquelyn Humphreyir@goldmoney.com +1 647 499 6748

GOLDMONEY INC. IS TRADED UNDER THE SYMBOL “XAU” ON THE TORONTO STOCK EXCHANGE (TSX). FINANCIAL REPORTS AND FILINGS CAN BE VIEWED HERE. FOR ADDITIONAL INFORMATION AND PRESENTATIONS, PLEASE VISIT OUR INVESTOR RELATIONS NEWSROOM.