Are my cash funds (Stored Value) FDIC insured?

No. Funds held as "Stored Value" or "Prepaid Access" in your SoundMoney® Wallet are not separately insured by the FDIC.

Here is what you need to know about how your cash is managed:

• Asset Class: Your wallet balance is considered "stored value" intended for the immediate purchase of precious metals or for gifting within the network. It is not a traditional bank deposit account.
• Commingled Funds: SoundMoney may hold these funds in pooled accounts at various financial institutions for the benefit of its members, but these individual balances do not carry personal FDIC protection.
• The "Sound Money" Strategy: Because cash (fiat) can lose purchasing power over time, the platform is designed to help you quickly convert those funds into physical gold and silver.
• Insurance Transition: Once you use your cash to buy metal, your wealth transitions from an uninsured cash balance to a fully insured physical asset stored securely at VaultMAX.

Pro Tip: To ensure your wealth is protected by the highest level of insurance, we recommend keeping only the minimum necessary cash in your wallet and moving larger balances into vaulted gold or silver.

Updated on: 12/02/2026