In Future - Pay Securely With Gold!

Are you running a store...
and seeking ways to offer your customers a real innovation at the checkout?
We at Karatbars International would like to give you an unprecedented product!

Do you like shopping...
with friends in the shopping center or on the Internet?
We have created a more secure and convenient way to pay, worldwide and around the clock.

A real innovation...
that will amaze you and your friends.

Karatbars - going one step further

In Future - Pay Securely With Gold!


A Network of Trust: That's K-Exchange
It's an innovation of Karatbars International: a shopping community based on trust in gold. Imagine a network of stores and online shops that accept gold both physically - CashGold - and virtually - KaratPAY - as a means of exchange and payment. Worldwide, with maximum security.
You find it as exciting as we do? Search no longer - you found it!


Where in the world is K-Exchange?
Soon everywhere. You can quickly find out which shop already accepts CashGold and where to find it when using the search function in the top menu bar. Why gold? Gold is crisis-proof, inflation-resistant and stable at all times. Gold does not have to be explained to anyone. It is universally known, appreciated and coveted for securing financial resources. It is virtually indestructible. Trust in gold is unlimited.
From now on, gold is also an innovative value: CashGold.


CashGold - Reliable - Stable - Worldwide Accepted
CashGold was developed by KaratBank and Karatbars International as an exchange and payment means with integrated gold bars in the smallest unit of 0.1 gram fine gold (Fineness 999,9, conformity with German legislative text §1 FeinGehG). By appropriate combination of the gold bars on the carrier, CashGold can be offered in denominations of 0.1g, 0.2g, 0.4g and 0.6g total weight, ensuring high exchangeability.


CashGold - Safety First, Everywhere and Anytime
14 security features both on the note and on the gold make CashGold virtually counterfeit-proof. Thanks to the encoded forensic marking applied to the bars in liquid form during production, you can instantly check every gold bar for authenticity. This is how we create maximum security for all our partners.


Gold creates Trust - Certified Quality gives Peace of Mind
Karatbank and Karatbars International manufacture exclusively gold from LBMA verified refineries, which ensures that highest demands can be met. The London Bullion Market is the most important over-the-counter market for the trading of gold and silver. Trading is conducted amongst members of the London Bullion Market Association (LBMA), which has accredited five companies to monitor the Good Delivery System.


‚Good Delivery‘
The international seal of quality guarantees all features engraved or punched on the gold, such as purity and weight as well as the permanent, continuous storage in certified storage facilities. Gold with Good Delivery Status is accepted and traded worldwide.

 "Everything true is simple"

The vision is easy to explain: Gold as a method of payment.

What is the value of CashGold?


The value of CashGold
The conversion rate for CashGold is displayed on the webpage of KaratBank which is updated several times a day (however, there is no relation to the gold price):


Where can I change CashGold?
You can buy CashGold in our online shop and at all opening hours from all K-Exchange licensing partners. Exchange into your national currency is possible there as well. You can find the current repurchase price under:

We will give people the opportunity to build up their own wealth
- free and independent -
with the oldest and most stable currency in the world: gold.

Trust in gold. Become a K-Exchange partner. Pay with gold. Secure your future.

That's how it's done:

Count me in! I would like to pay with gold in the future. How do I get CashGold?
CashGold in 4 different units is available at any time and in any quantity at

Register as a customer and follow the simple login procedure. After that, simply order your CashGold in the desired quantity and have it delivered to your home, safely and quickly. From now on, you should always look out for the K-Exchange-Logo which our partners in the community proudly bear.


I'm in! I want to become a partner at K-Exchange! How do I get the license?
We offer you 3 different versions of licenses, which have the obligation to accept CashGold for purposes of payment. Simply register at:

Log into your back office with your Karatbars account and inform yourself about the terms and conditions of the 3 license models. Afterwards, buyers of the Business and Business Pro license will receive their welcome package with the desired content via FedEX which allows them to present themself as a K-Exchange Partner.

What is KaratPAY? - To trust in gold and to pay online with gold.

What is KaratPAY?
KaratPAY is an online platform developed by KaratBank and Karatbars International for the purpose of the transaction of your CashGold. Here you can buy, transfer and deliver CashGold. Just open a KaratPAY account for free.


Click here to register for KaratPAY.


1. Registration
Simply follow the registration process and check the terms and conditions of participation carefully.

2. Purchase
Buy CashGold online with your credit card and upload it to your account.

3. Transfer
Transfer CashGold to any other KaratPAY account. Purchase with CashGold and exchange it online or onsite. Withdraw CashGold at the counter in your favorite K-Exchange shop or change it to local currency. Possible in the K-Exchange shopping community only.


Click here to login


Even if you receive gold as payment and even if it might be free of VAT in your country, you are obligated to pay the taxes and duties of your country and to comply with the respective legal regulations of the trade and tax law of your country.



Privacy Policy:

We collect and use your personal data only under the provisions of data protection law of the Federal Republic of Germany. In the following, we will inform you about the nature, extent and purpose of collecting and using personal data. You can access this information at any time on our website.

Data transmission and logging for internal and statistical purposes we collect personal data only if you ask us during the ordering process, when opening an account or to sign up for our newsletter. We use this information solely to process the contract. After completion of contract management, your data is locked and after the tax and commercial law deleted unless you have expressly consented to the use of data beyond this. If you sign up with your email address to receive our monthly newsletter, we will use your email address for promotional purposes, until you unsubscribe from the newsletter cover.

Your internet browser transmits when accessing our website for technical reasons, data automatically to our web server. These are among others to set the date and time of access, the URL of the referring website, accessed file, amount of sent data, browser type and version, operating system and your IP address. This data is stored separately from other data you enter is stored in the context of the use of our website. An assignment of these data to a particular person is not possible for us. This data is used for statistical purposes and then deleted.

Privacy Policy:

Personal collection, processing and use of data. Your privacy is important to us. Therefore, your data will be transferred to our server with the high quality SSL encryption technology. To visit our online shop, you have to provide any data. We store only anonymous access data without reference to individuals, such as Name of your Internet Service Provider, the page from which you visit us or the name of the file. For data collection it may be cookies used to collect the data but also exclusively in anonymous or pseudonymous form and save and do not allow any conclusion on your person.

Inventory data:

If between you and us establishes a contractual relationship, to be designed or modified content, collect and use personal data collected from you, to the extent necessary for those purposes. By order of the competent authorities, we may in individual cases of such data (inventory data) to the extent necessary for purposes of law enforcement, security, to meet the statutory duties of the constitutional protection authorities or the military or for the enforcement of intellectual property rights is required.

Usage Data:

We collect and use personal information from you, to the extent necessary to permit the use of our website or settle (user data). These particular features are part of your identification and indication of the beginning and end and the extent of use of our site.

For the purposes of advertising, market research and the design of our website, we may create user profiles using pseudonyms. You have the right to object to this use of your data. The use of profiles we can not merge with data about the bearer of the pseudonym. By order of the competent authorities, we may in individual cases of such data (inventory data) to the extent necessary for purposes of law enforcement, security, to meet the statutory duties of the constitutional protection authorities or the military or for the enforcement of intellectual property rightsis required.


To extend the functionality of our website and use to make you more comfortable, we use "cookies". With the help of these "cookies" can be stored on your computer when you access our website. You have the option of storing cookies on your computer by selecting the appropriate settings on your browser to prevent. This could, however, the functionality of our offer are limited.

Data Security:

Your personal information is safe with us! They are encrypted and transmitted to us through SSL128Bit. Our websites are protected by technical measures against damage, destruction, unauthorized access.

To provide information & Withdrawal:

They receive at any time without giving reasons for free information about your stored data. You can always place your lock us in correcting the data collected, or deleted. You can always granted us permission for data collection and use without giving any reason revoked. Apply this to



Information provided according to Sec. 5 German Telemedia Act


Mailing address

Karatbars International GmbH
Vaihinger Straße 149A
70567 Stuttgart

Contact & Support


  EU Support phone number: +49 (0) 711 128 970 00
  US/CAN Support phone number: +1 224 829 00 47

Please press 2 for an English, Spanish or Italian speaking support agent.

Lines open German Support

  Monday - Thursday: 9.30am - 12.30pm CET
    1.30pm - 6pm CET
  Friday: 9.30am - 12.30pm CET
    1.30pm - 4pm CET


Lines open English, Spanish and Italian Support


  Monday - Saturday: 9am - midnight CET


Register entry:

Registering court: Amtsgericht Stuttgart
Registration number: HRB 739615

Managing Director: Harald Seiz


VAT Id number according to Sec. 27 a German Value Added Tax Act:


Information concerning professional indemnity insurance:

Handel und Warenlogistik
Gesetzliche Unfallversicherung
Körperschaft des öffentlichen Rechts

68145 Mannheim

Scope of insurance: Germany/Deutschland

Company: Karatbars Korea

Business Reg Number: 395-36-00135
Address: #241,123, Dongil-ro, Seongdong-gu, Seoul

Karatbars offers an online shop or e-commece service for gold and luxury products. Karatbars does not operate any banking transactions and does not provide financial services within the meaning of § 32 KWG (English: banking act). Karatbars does not have any authorization from BaFin for its activities.
Statements about the BaFin by affiliates (including those of commercial nature) are NOT AUTHORIZED and are prohibited by Karatbars. To claim that Karatbars is recommended by BaFin is strictly forbidden. Any violation may result in legal consequences including the termination of an account.


Dispute resolution
We do not take part in online dispute resolutions at consumer arbitration boards.


Liability for Contents
As service providers, we are liable for own contents of these websites according to Sec. 7, paragraph 1
German Telemedia Act (TMG). However, according to Sec. 8 to 10 German Telemedia Act (TMG),
service providers are not obligated to permanently monitor submitted or stored information or to search for
evidences that indicate illegal activities.
Legal obligations to removing information or to blocking the use of information remain unchallenged. In
this case, liability is only possible at the time of knowledge about a specific violation of law. Illegal
contents will be removed immediately at the time we get knowledge of them.


Liability for Links
Our offer includes links to external third party websites. We have no influence on the contents of those
websites, therefore we cannot guarantee for those contents. Providers or administrators of linked
websites are always responsible for their own contents.
The linked websites had been checked for possible violations of law at the time of the establishment of the
link. Illegal contents were not detected at the time of the linking. A permanent monitoring of the contents
of linked websites cannot be imposed without reasonable indications that there has been a violation of
law. Illegal links will be removed immediately at the time we get knowledge of them.


Contents and compilations published on these websites by the providers are subject to German copyright
laws. Reproduction, editing, distribution as well as the use of any kind outside the scope of the copyright
law require a written permission of the author or originator. Downloads and copies of these websites are
permitted for private use only.
The commercial use of our contents without permission of the originator is prohibited.
Copyright laws of third parties are respected as long as the contents on these websites do not originate
from the provider. Contributions of third parties on this site are indicated as such. However, if you notice
any violations of copyright law, please inform us. Such contents will be removed immediately.