I opened a Goldmoney account about five months ago and have been adding nearly every week. Each time there is negative news in the world I add. I am very happy with the platform and love that you can store in different locations as well as in a different currency than the US. I live in Asia and the card gives me extra security when traveling since its prepaid and backed in gold. I got my father to add funds and continue to recommend to others. I first obtained physical so dont avoid getting physical, GM is juat another option to diversify.