We should all be managing our money on our own terms.
We work hard for our money. It’s ours. So, we should use it as we please. That’s a no-brainer, right?
Unfortunately, it rarely works out that way.
Most of us store our savings in a fiat currency like the pound, which is issued and controlled by the government.
And when we do that, we quietly hand over control of our money to everyone but ourselves.
To the government, which dilutes the value of our money by increasing the supply…
To the banks, who use it for lending and profits, not to protect our interests…
To the tax system, which takes a slice of our savings interest just because it can…
In short, storing your savings in fiat money means entering a system designed to work against you. But that no longer has to be the case.
Tally gives you a way to manage your money independently. It’s a modern currency, where 1 tally equals 1 milligram of physical gold securely stored in Switzerland. This is gold you own, with digital access and everyday usability.
Here’s how Tally helps you manage your money on your terms.
1. Tally helps protect your money from inflation
There are two major issues with fiat currency:
- It’s issued by the government
- Its supply is unlimited
That means more money can be created at will, driving up prices and eroding your purchasing power.
Inflation isn’t just a statistic, it’s a quiet thief. Unless your money grows as fast as inflation, you’re getting poorer by the day.
Gold, on the other hand, can’t be printed. Its supply is naturally limited. That’s why it’s been trusted for thousands of years as a store of value.
And since Tally is a currency directly tied to physical gold, it holds purchasing power over time. When inflation hits fiat currencies, gold tends to perform well in comparison. That means your tally balance can keep up with, or even benefit from, inflation.
According to the World Gold Council, gold has consistently outpaced inflation over the past 50 years.
2. Tally removes bank risks from the equation
Most people aren’t aware of the fractional reserve banking system. But it matters.
It means banks only keep a fraction of your deposits on hand. The rest? They lend it, invest it, and profit from it.
What Is Rehypothecation – and Why Should You Care?
It gets worse. If you post assets as collateral, say, for a loan or financial product, the bank can reuse that collateral again. And again. This process is called rehypothecation.
Essentially, your assets could be pledged multiple times over for trades you have no control over. In a crisis, this creates phantom liquidity, a system built on the illusion of wealth that doesn’t really exist. Where customers discover their “safely held” securities have been rehypothecated into oblivion, leaving them as unsecured creditors watching their assets vanish.
Which is why you should demand segregated custody where your assets are actually ring-fenced, because why should banks get to run a casino with your chips whilst pretending they’re just keeping them safe?
If your bank fails, your deposits are only protected up to £85,000. That’s a sobering reality in uncertain economic times.
With Tally, the gold behind your balance isn’t touched, invested, or leveraged – it is 100% segregated. It sits in a fully insured, secure vault in Zurich. And if anything happens to TallyMoney, your gold can be sold and its value returned to you in fiat.
That’s how you manage your money without the hidden risks traditional banks carry.
3. Tally offers more tax-efficient wealth protection
Interest from fiat savings accounts is taxed as income. And the allowances are small:
- £1,000 for basic rate taxpayers
- £500 for higher rate
- Nothing for additional rate
That means if you manage to earn meaningful interest, a chunk goes straight to HMRC.
Tally doesn’t generate interest. Instead, your value comes from owning a physical asset. This is classified under capital gains, with a higher allowance:
- £3,000 tax-free allowance
- 18% tax if you’re a basic rate taxpayer
- 24% for higher/additional rate
Compared to income tax rates (20%, 40%, 45%), that’s a far better deal for managing your money efficiently.
4. Tally helps you avoid weak returns
UK savings accounts are underwhelming. As of May 2025, the average instant access rate was just 2.66% [source: Bank of England]. That’s before inflation and tax.
In comparison, gold has returned an annual average of 11.2% over the past decade. That means Tally, as digital access to gold, offers far more potential for real-world value preservation.
If you had placed £10,000 into Tally ten years ago, your holdings would be worth over £32,000 today. In pounds? Just over £10,600 in a typical savings account.
That’s the real difference in managing your money with asset-based value.
H2: Final thought: Your money, your gold, your rules
Tally gives you a new way to think about money. It’s not about speculation. It’s about protecting what’s yours.
By managing your money with Tally, you remove the risks and erosion that come with the fiat system. You own a physical asset, not a promise. And you can spend, transfer, and access your funds just like any other currency.
It’s time to manage your money on your terms, starting today.
CTA: Ready to manage your money with more control? Open a TallyMoney account and own your gold-based currency in minutes.
