Our investment solution makes your money work harder for you. It's built on three pillars; asymmetric upside* through Bitcoin, a safety anchor through gold, and meaningful passive income through stablecoin yield*.
You can manually buy and sell assets like any other application. Alternatively, there are more automated features in the solution. You can securely connect your bank account to our platform through Basiq's Open Banking API*, and set a desired cash floor. This integration allows Basiq to monitor balances in real time, so you get full visibility into your investment positions versus current spending and debt. If your chosen cash floor is exceeded we'll automatically prompt you to send funds to your treasury wallets. Our treasury wallets allow you to pre-select the assets and amounts you want to invest in. When you deposit funds into these wallets, everything after runs on autopilot - your funds convert and flow into the assets you've chosen via DCA* or a one-time investment.
Furthermore, for businesses receiving stablecoin payments through our invoice tool, a portion of every incoming payment can auto-route straight into your yield account the moment funds arrive, so nothing sits idle for even a second.
Programmable money* is one of the most important financial innovations for humanity. We're bringing it to you.
Designed for Australian businesses and individuals who want their idle cash working harder and independent of banks. Designed to outlast what gets printed.
Build a financial position beyond what banks can offer.
Build & grow positions in bitcoin,
gold bullion and passive yield.
Built to outpace modern inflation.
Build positions in gold bullion,
bitcoin and stablecoin yield -
where money holds its ground.
Build a financial position beyond what banks offer.
For Aussie
individuals and businesses who want their idle cash working more
and independent of banks. Designed to outlast what gets printed.
Our investment solution is built for everyday Australians and businesses. It's designed to make your money work harder for you, whilst minimising the complexity of investing. The toolkit is built on three pillars; asymmetric upside* through Bitcoin, a safety anchor through gold, and meaningful passive income through stablecoin yield*.
There's a variety of ways to use the platform. You can manually buy and sell assets like any other application. Alternatively, there are more automated features in the solution. You can securely connect your bank account to our platform through Basiq's Open Banking API*, and set a desired cash floor. This integration allows Basiq to monitor balances in real time, so you get full visibility into your investment positions versus current spending and debt. If your chosen cash floor is exceeded we'll automatically prompt you to send funds to your treasury wallets. Our treasury wallets allow you to pre-select the assets and amounts you want to invest in. When you deposit funds into these wallets, everything after runs on autopilot - your funds convert and flow into the assets you've chosen via DCA* or a one-time investment.
On the digital asset side, there's no seed phrases, no wallet complexity, no protocols to navigate. On the gold side, it's allocated, LBMA-certified*, insured, and vaulted with Brink's in Australia. You just see dollars going in, performance in real time, and the option to withdraw back to your bank via NPP whenever you need.
Furthermore, for businesses receiving stablecoin payments through our invoice tool, a portion of every incoming payment can auto-route straight into your yield account the moment funds arrive, so nothing sits idle for even a second.
Programmable money* is one of the most important financial innovations for humanity. We're bringing it to you.
Our investing product gives Australian businesses and individuals a single platform to build positions in assets that can't be printed, diluted, or debased. Bitcoin's scarcity is enforced by code. Gold's is enforced by nature. Neither answers to a central bank. You access both directly - no exchange accounts, no wallets, no complexity.
For idle cash, we connect you directly to the DeFi lending protocols that generate real yield. These are the same protocols powering billions in transactions globally, and strips out every intermediary between you and the return. The interface looks like a high-yield savings account. Deposit AUD, earn 2–4x your bank's savings rate, and withdraw back to your bank account any time. No seed phrases. No gas fees. No learning curve.
For those who want control, manual buying and selling is available. But, to make the investing flow more streamlined, we're building what we call auto-invest wallets*. These are a distinct wallet, separate from your normal payment and asset wallets. They have their own automation logic which follows this flow; you pre-select the assets you want to invest in, the split in dollar or percentage terms between them, and the frequency (DCA*, one-time, hybrid). Then simply deposit AUD from your bank to this wallet, and the platform automatically executes.
Your capital always stays moving.
Where money starts working for you
Money that preserves itself
Money leaks. The number in the account may hold steady but what it can buy shrinks, worn down by debasement. liquid is designed to address this by streamlining access to Gold, Bitcoin and stablecoin yield - each serving a distinct purpose. Gold for steady strength, Bitcoin for uncapped upside, and stablecoin yield for predictable interest payments. These vehicles are where money preserves itself - and builds on it.
Gold vs. Nasdaq 100 4-Year Indexed Performance
Bitcoin vs. Nasdaq 100 4-Year Indexed Performance
Real Gold that's really yours
Gold has held steady for thousands of years, outlasting every empire, currency, and crisis that rose and fell around it. liquid gives you real gold ownership without the burden; no vault to rent, no trading desk to wait for, and nothing to hide or keep safe - just bullion held in your name that's ready to buy, sell, or cash out 24/7. It's real metal that's really yours.
Own a piece of 21 million
Bitcoin is the only verifiably scarce asset on the planet - there will only ever be 21 million. No central bank can expand the supply or dilute it, and this concrete truth is why it's important to know about. liquid lets you build positions in Bitcoin at your own pace; one-time or recurring buys with the lowest fees in Australia. You set the pace, scarcity does the rest.
Interest the banks don't pay
Banks take your deposits, lend them out, and hand you back a fraction of what they make on them. They simply don't pay enough. Open markets remove the middleman entirely, which is why the returns run so much higher. liquid safely connects your funds to the same markets moving billions in lending every day, where the rate is set by organic supply and demand rather than a bank.
Get paid and invest in one move
The line between receiving money and growing it is disappearing. Payments used to land and just sit there - now they can arrive already working. liquid lets incoming stablecoin payments route straight into your yield vault, earning immediately, or land as Bitcoin instead of idle cash. For a business, every payment can quietly feed your treasury. For an individual, every dollar received can start growing immediately. Receiving and earning is now one move.
Institutional-grade security
For holdings you want locked down, liquid offers institutional-grade security and custody. Your digital assets can be held in deep cold storage and kept offline, beyond the reach of threats. This level of security is what large institutions demand, and it's made available for everyone.
Money that preserves itself
Money leaks. The number in the account may hold steady but what it can buy shrinks, worn down by debasement. liquid is designed to address this by streamlining access to Gold, Bitcoin and stablecoin yield - each serving a distinct purpose. Gold for steady strength, Bitcoin for uncapped upside, and stablecoin yield for predictable interest payments. These vehicles are where money preserves itself - and builds on it.
Gold vs. Nasdaq 100 4-Year Indexed Performance
Bitcoin vs. Nasdaq 100 4-Year Indexed Performance
Money leaks. The number in the account may hold steady but what it can buy shrinks, worn down by debasement. liquid is designed to address this by streamlining access to Gold, Bitcoin and stablecoin yield - each serving a distinct purpose. Gold for steady strength, Bitcoin for uncapped upside, and stablecoin yield for predictable interest payments. These vehicles are where money preserves itself - and builds on it.
Real Gold that's really yours
Gold has held steady for thousands of years, outlasting every empire, currency, and crisis that rose and fell around it. liquid gives you real gold ownership without the burden; no vault to rent, no bars to insure, and nothing to hide or keep safe - just bullion held in your name that's ready to buy, sell, or cash out 24/7. It's real metal that's really yours.
Own a piece of 21 million
Bitcoin is the only verifiably scarce asset on the planet - there will only ever be 21 million. No central bank can expand the supply or dilute it, and this concrete truth is why it's important to know about. liquid lets you build positions in Bitcoin at your own pace; one-time or recurring buys with the lowest fees in Australia. You set the pace, scarcity does the rest.
Interest the banks don't pay
Banks take your deposits, lend them out, and hand you back a fraction of what they make on them. They simply don't pay enough. Open markets remove the middleman entirely, which is why the returns run so much higher. liquid safely connects your funds to the same markets moving billions in lending every day, where the rate is set by organic supply and demand rather than a bank.
Get paid and invest in one move
The line between receiving money and growing it is disappearing. Payments used to land and just sit there - now they can arrive already working. liquid lets incoming stablecoin payments route straight into your yield vault, earning immediately, or land as Bitcoin instead of idle cash. For a business, every payment can quietly feed your treasury. For an individual, every dollar received can start growing immediately. Receiving and earning is now one move.
Institutional-grade security
For holdings you want locked down, liquid offers institutional-grade security and custody. Your digital assets can be held in deep cold storage and kept offline, beyond the reach of threats. This level of security is what large institutions demand, and it's made available for everyone.
Coming soon to vault
Coming soon to vault
Allocation Targets
Soon, you'll be able to choose your allocation targets across Gold, Bitcoin, and yield. You can set it once, with the ability to edit it at any time as things change. As your positions move, liquid tracks them against your targets - so you always know what's drifted, what's on track, and what it takes to rebalance. Coming soon.
Soon, you'll be able to choose your allocation targets across Gold, Bitcoin, and yield. You can set it once, with the ability to edit it at any time as things change. As your positions move, liquid tracks them against your targets - so you always know what's drifted, what's on track, and what it takes to rebalance. Coming soon.
Allocation Targets
Business intelligence
In liquid's next rollout, you'll be able to connect your bank account securely through Open Banking* - the regulated framework that lets you share access on your terms. Once it's linked, the platform can see what's sitting idle and help you put it to work. Your bank stays your bank, with liquidVault simply working alongside it. Business intelligence will turn your account into one that knows when cash could be doing more.
Soon, you'll be able to choose your allocation targets across Gold, Bitcoin, and yield. You can set it once, with the ability to edit it at any time as things change. As your positions move, liquid tracks them against your targets - so you always know what's drifted, what's on track, and what it takes to rebalance. Coming soon.
Allocation Targets
Open credit markets
Soon, you'll be able to tap open credit markets directly. Access funds when an opportunity appears, keep your positions intact while you do, and let your money work both ways at once. Credit will be something individuals and businesses can reach for on their own terms, not needing to wait on a bank.
Soon, you'll be able to choose your allocation targets across Gold, Bitcoin, and yield. You can set it once, with the ability to edit it at any time as things change. As your positions move, liquid tracks them against your targets - so you always know what's drifted, what's on track, and what it takes to rebalance. Coming soon.
Allocation Targets
Terminology Index
Neutral Assets: Neutral assets (sometimes called neutral reserve assets) are stores of value that exist outside the control of any single government, central bank, or financial institution - making them "neutral" in the sense that no nation or authority can manipulate their supply or devalue them through policy decisions.
Monetary Debasement: Monetary debasement is when a currency is made less valuable over time, either historically by reducing the precious metal in coins or today by increasing the money supply so each unit of money buys less.
Open Markets: In DeFi, open markets means that financial services like lending, borrowing, and trading are available to absolutely anyone in the world with a crypto wallet. No bank account, credit check, or identity approval required. Unlike traditional markets that open and close on business hours, DeFi markets run 24/7 on public blockchains where prices and interest rates are set algorithmically by organic supply and demand.
DeFi Protocols: A DeFi protocol is a set of self-running programs on a blockchain that provide financial services - like lending, borrowing, or trading - automatically, without a bank or company in the middle.
Decentralised Finance: Decentralised finance (DeFi) is a system that lets people access financial services - like lending, borrowing, and trading - directly with each other using blockchain technology, without needing banks or any other middleman. Smart contracts (self-executing code on the blockchain) replace the role of traditional institutions, meaning transactions are automatic, transparent, and open to anyone with an internet connection.
Open Banking: An Open Banking API is a secure connection that lets an app - with your permission - read information from your bank account, like your balance and transaction history. Instead of you manually checking what's in your account and typing it in somewhere, the app can see it directly and in real time. The bank shares the data, but the app can only look. It can't move or spend your money.