Risk disclosure

Last updated: 5 November 2026

Please read this before registering interest in UBX or buying precious metals from Urban Trade Precious Metals LLC. It describes the main risks of owning physical gold and silver. It does not list every possible risk.

Prices can fall as well as rise

Gold and silver are traded worldwide and their prices move every minute in response to interest rates, currency movements, inflation expectations, central bank activity and market sentiment. The value of a holding bought today may be lower tomorrow, next month or next year. Past price movements are not a guide to future movements.

Buying and selling prices differ

Like every bullion dealer, we quote a price to buy from you and a higher price to sell to you. The gap between the two, together with any storage fees, means a holding sold shortly after purchase will usually return less than was paid, even if the market price has not moved.

Gold does not pay income

Physical gold and silver do not pay interest or dividends. Any return comes from a change in the metal price. Storage and insurance carry a cost that reduces the net return.

Fractional and allocated holdings

Where you buy by the gram rather than by the whole bar, your holding is a recorded share of a specific bar or bars held in the vault. Delivery of a physical piece is available in the sizes we mint; a fractional balance may need to be topped up to a whole piece, or sold back, before delivery.

Counterparty and operational risk

Your relationship is with Urban Trade Precious Metals LLC. The vault, insurance, payment processing and the UBX app rely on third-party providers. Delays or failures at any of them could affect your ability to trade or take delivery for a period.

Liquidity

We intend to offer buy-back of every UBX position at a live price on business days. Buy-back may be suspended during market closures, extreme volatility or operational incidents, and the price available at the time may differ from the price shown earlier.

Product in development

UBX is not yet live. Features described on this website are planned and may change, be delayed or not be launched. Registering on the waitlist does not commit you to anything and does not commit us to launch on any date.

Suitability

Only you can decide whether owning gold fits your circumstances and how much of your savings to place in it. If you are unsure, speak to a licensed financial adviser before you buy.

Questions about any of the above: ubx@urbantradeintl.com or +971 (02) 246 5272.