TallyMoney ABC
Your A–Z of gold, money & modern finance
Allocated gold refers to specific bars or units of gold that are held in your name, stored in a secure vault. You legally own the exact gold, not just a claim to part of a pool, making it one of the most secure forms of gold ownership.
🔗 Related: Is Tally real gold? Everything you need to know.
An alternative currency is any form of money that exists outside traditional government-issued (fiat) currency, such as gold, crypto, or localised currencies. Tally is considered an alternative currency because it operates independently of the banking system, using gold as the unit of account.
🔗 Related: Alternative investment strategies for the modern saver
Bullion is high-purity gold or silver, typically in the form of bars or coins, held as an investment rather than used for manufacturing or jewellery. Tally’s gold is LBMA-approved bullion, stored in physical form and valued based on the global spot price.
🔗 Related: Saving in gold is easy with these 5 simple steps
The base rate is the benchmark interest rate set by a central bank, such as the Bank of England. It influences savings rates, loans, and the overall cost of borrowing. When base rates are lower than inflation, the real value of savings decreases over time.
CBDCs are digital versions of fiat currencies issued and controlled by central banks. Unlike cryptocurrencies or gold-based currencies like tally, CBDCs remain within the government-backed monetary system. They’re currently being explored in the UK and globally.
🔗 Related: TallyMoney’s Stand for Financial Freedom Amidst CBDCs and Banking Bias
Currency devaluation occurs when a country’s currency loses value compared to others, often due to excessive printing, inflation, or weakened economic conditions. This reduces purchasing power and can drive people toward gold or other stores of value.
🔗 Related: Which fiat currency is most at risk?
Digital gold is gold that you own and manage electronically. While the gold is physical and stored in vaults, your access, spending, and ownership are all digital.
🔗 Related: Get all the benefits of investing in gold but with the versatility of the money you’re used to
Debt monetisation happens when central banks buy government debt, often by printing more money. This can lead to inflation and reduced currency value. Gold, as a finite resource, is seen as a hedge against this dilution of money.
🔗 Related: Could another financial crisis be just around the corner?
The exchange rate tells you how much one currency is worth in another, for example, GBP to EUR. Tally uses gold as the unit of account, but when spending abroad, card transactions are converted using the real Mastercard exchange rate, with no added markup.
🔗 Related: 6 reasons to use TallyMoney Debit Mastercard® abroad
Electronic money (e-money) refers to digitally stored fiat currency used for electronic payments. It’s different from digital gold or crypto because e-money is still tied to government-issued money. Tally isn’t e-money; it’s real gold you own, used digitally.
🔗 Related: Let’s get physical: How much gold bullion and printed fiat currency actually exists?
Fiat currency is government-issued money that isn’t backed by a physical asset like gold or silver. Its value is based on trust and legal enforcement, rather than something tangible. Most national currencies today, including the pound, euro, and dollar, are fiat currencies.
🔗 Related: Which fiat currency is most at risk?
The financial system refers to the network of banks, central banks, markets, and institutions that manage money and credit. While it enables global commerce, it can also suffer from instability, inflation, and systemic risk, which is why some people choose to save outside it, using gold.
🔗 Related: Are your savings working for you, or a bank?
The gold price is the current market value of gold, usually quoted per ounce or per gram. It changes constantly based on supply, demand, geopolitical risk, and currency movements. Tally reflects the global gold price in pounds, giving savers a real-time, inflation-resistant value.
🔗 Related: What is all the fuss about gold?
The gold standard was a system where a country’s currency was directly tied to a fixed quantity of gold. It ended in the 20th century, but many argue that money has been less stable since. Tally brings back the idea of gold-backed money, but updated for the digital age.
🔗 Related: The central bank’s agenda
Gold savings involve setting aside funds in the form of physical gold, either stored at home or in a secure vault. Tally automates this by converting GBP to gold, so your savings are protected from inflation and currency debasement, while still being accessible via app or card.
🔗 Related: Why a standing order is the smartest way to save in gold
Hyperinflation is an extreme and rapid rise in prices, often caused by governments printing too much money. It destroys the value of a currency, eroding savings and disrupting economies. Gold has historically been used as a hedge during hyperinflation.
🔗 Related: How to beat the hidden tax on your savings
Hedging is the practice of reducing financial risk by investing in assets that offset potential losses elsewhere. Gold is a traditional hedge against inflation, stock market crashes, and currency depreciation.
🔗 Related: Four ways Tally helps you take back control while managing your money
Hard money refers to currency that is backed by a tangible asset (usually gold or silver), making it less prone to inflation. Tally is a modern version of hard money, with each unit linked to physical gold you own, rather than being created out of debt.
🔗 Related: 5 reasons to save in tally
Inflation is the rise in the price of goods and services over time, which reduces the purchasing power of money. When inflation is higher than the interest you earn on savings, your money is silently losing value. Gold is often used to protect savings from inflation.
🔗 Related: Inflation spikes again – is your cash losing value in 2026?
Interest rates determine how much savers earn and borrowers pay. They’re set by central banks and heavily influence the economy. When rates are below inflation (as they often are), the real return on savings is negative, which is why many turn to alternatives like gold.
🔗 Related: Why don’t I earn interest on my Tally account?
The key interest rate is the primary rate used by a central bank (like the Bank of England) to influence borrowing, lending, and inflation. It sets the tone for everything from mortgage rates to savings returns.
Low key rates often result in negative real returns for savers, making gold an appealing alternative.
🔗 Related: Bailey’s interest rate-cut caveat signals UK distrust in the system
The LBMA is the international trade association that sets the standards for gold and silver bullion. It defines what qualifies as “Good Delivery” gold, ensuring consistent quality and trust in global gold trading.
TallyMoney exclusively uses LBMA-accredited gold, giving users direct access to world-standard bullion.
🔗 Related: What is all the fuss about gold?
Liquidity refers to how easily an asset can be converted into spendable funds without losing value. TallyMoney is designed to offer high liquidity: your gold can be spent, transferred, or withdrawn instantly via app or card, unlike traditional bullion or investment gold.
🔗 Related: Five reasons to start saving in gold – Part 1
Legal tender is money that must be accepted if offered in payment of a debt. While gold isn’t legal tender in the UK today, TallyMoney allows users to use gold in day-to-day payments, effectively functioning as digital legal tender, backed by real assets.
🔗 Related: From Florida to freedom: the new face of financial sovereignty
Monetary policy refers to how central banks manage the economy using tools like interest rates and money supply. When too much money is created, or rates are held too low for too long, it can lead to inflation and devaluation of savings.
TallyMoney offers an alternative that’s outside the monetary policy loop, using gold.
🔗 Related: Central banks favour gold over dollar: the UK needs its own financial uprising
Money supply is the total amount of money, both physical and digital, circulating in an economy. When it increases rapidly without corresponding growth in value, it can cause inflation.
Gold maintains scarcity. That’s why TallyMoney links value to a physical asset, not an expanding supply.
🔗 Related: Will gold keep rising? Five reasons gold’s price could keep growing long term
Negative interest rates occur when banks charge customers to hold deposits rather than paying them interest. While rare, they have been used in parts of Europe and Japan to stimulate borrowing.
Gold, and by extension Tally, offers a way to store value outside of this system.
🔗 Related: Autumn Budget 2025: savers are getting screwed
Nominal value is the face value of money, not adjusted for inflation or purchasing power. For example, £100 in a bank account has the same nominal value today as it did ten years ago, but likely buys less.
TallyMoney is designed to preserve value, not just preserve numbers.
🔗 Related: FSCS protection is going up, because the pound is going down
National debt is the total amount owed by a country’s government. When it rises faster than economic growth, it can lead to higher inflation, currency devaluation, and long-term financial risk for savers.
Gold has historically acted as a hedge in high-debt environments.
🔗 Related: Budgets change. Value shouldn’t.
A troy ounce is a unit of measurement used for precious metals. 1 troy ounce = 31.1035 grams, and it’s the standard in global gold markets.
Tally values gold in milligrams, making it easy to divide and use, but the underlying asset is priced based on troy ounces at the global level.
🔗 Related: Is gold a good investment?
Purchasing power is how much you can actually buy with your money. It’s affected by inflation. If prices go up, your money stays the same and you can afford less.
TallyMoney is designed to help protect your purchasing power by linking money to gold, a finite, historically stable asset.
🔗 Related: See how much you could have saved with our gold calculator
Precious metals like gold, silver, and platinum are valued for their scarcity, durability, and historical role as money. They are often seen as safe-haven investments during times of economic uncertainty.
TallyMoney is built on physical gold, giving users a way to hold a precious metal and use it like digital money.
🔗 Related: Shining through turbulence: gold’s historical performance in times of political uncertainty
Quantitative Easing is a monetary policy where central banks create money to buy financial assets, often government bonds, in an effort to stimulate the economy.
While it can lower interest rates, it also risks inflation and currency dilution, which is why many investors turn to assets like gold to maintain value.
🔗 Related: Central banks favour gold over dollar: the UK needs its own financial uprising
Quick access savings accounts allow you to withdraw money at short notice, often with lower interest in exchange for liquidity.
Tally offers similar flexibility, but instead of earning interest, your value is stored in gold, giving potential for long-term appreciation and protection from inflation.
🔗 Related: How to achieve truly secure savings without relying on banks or government
The real interest rate is your interest minus inflation. If your bank pays 2% but inflation is 5%, your real return is -3%, meaning your money is actually losing value.
TallyMoney isn’t interest-based, it’s value-based. This gives savers a way to protect purchasing power without relying on interest rates.
🔗 Related: Are your savings working for you, or a bank?
A recession is a period of economic decline, usually marked by falling GDP, job losses, and reduced consumer spending. During recessions, fiat currencies and stocks often lose value, while gold has historically held strong.
TallyMoney allows you to keep your money in gold, offering stability during downturns.
🔗 Related: Gold edges toward record highs amid renewed banking and recession fears
A savings account stores your money securely and may earn interest, but in recent years, interest rates have often been lower than inflation, meaning your money loses value over time.
TallyMoney provides an alternative savings model, using gold to preserve value rather than slowly erode it.
🔗 Related: Pension drawdown rules 2025: are your retirement savings future-proof?
The spot price is the current market price of an asset, like gold, for immediate purchase. It’s used as the global reference for buying and selling precious metals.
Tally’s pricing is directly tied to the gold spot price, giving users live market-based value.
🔗 Related: What is all the fuss about gold?
A safe haven asset holds or increases value during economic uncertainty. Gold is the classic example, used for centuries to protect wealth in times of inflation, war, or recession.
TallyMoney modernises the safe haven, offering gold that you can spend.
🔗 Related: Protecting your money in a system not designed to
Tally is a modern form of money that’s denominated in gold. Each tally = 1 milligram of LBMA-accredited gold, stored in a secure vault in Switzerland and used just like regular money, via card, app, or transfers.
It’s not backed by gold. It is gold.
🔗 Related: Five reasons to start saving in gold – Part 2
UK inflation measures how much prices for goods and services are rising over time, usually tracked by the Consumer Price Index (CPI). High inflation reduces the buying power of your savings.
Tally offers a way to protect against inflation by holding your money in gold, a historically stable store of value.
🔗 Related: Inflation spikes again – is your cash losing value in 2026?
Vaulted gold is physical gold stored in a secure facility. Tally’s gold is held in professionally managed, fully insured Swiss vaults, with ownership allocated to each account holder.
It’s the same security used by institutions, now made accessible for everyday savers.
🔗 Related: The coming gold revaluation?
Volatility measures how much the price of an asset moves over time. Highly volatile assets rise and fall quickly, while stable ones (like gold) change more slowly.
Gold’s relatively low volatility, especially over the long term, is why many see it as a safer store of value.
🔗 Related: Gold over gimmicks: the real path to early retirement security
Value preservation means keeping your purchasing power stable over time. Traditional savings accounts may hold your balance, but inflation erodes what it’s worth. Gold, by contrast, has historically maintained its value, and TallyMoney lets you use that value directly.
🔗 Related: Is now a good time to buy gold in the UK?
Wealth protection is about shielding your assets from risk, whether through diversification, inflation hedging, or asset allocation. Gold is a common wealth protection strategy, especially in uncertain markets.
TallyMoney makes that protection liquid, spendable, and real-time accessible.
🔗 Related: FSCS Protection Is Increasing — But So Are Prices. Are You Actually Any Safer?
XAU is the international currency code for one troy ounce of gold. Like USD (US dollar) or GBP (British pound), XAU is used in trading platforms and gold pricing.
While Tally uses milligrams as its unit, XAU remains a standard reference in gold markets.
Year-on-year (YOY) inflation measures how much prices have changed compared to the same month last year. It’s a key metric used by governments and economists.
When YOY inflation is high, traditional savings lose ground. Gold often performs better over long cycles, making tally® a resilient savings tool.
🔗 Related: 3.5% inflation may mean one thing: your money is being undermined
ZIRP is a monetary policy where interest rates are held near zero, typically to stimulate borrowing and spending. It’s good for debt holders, but punishes savers, as returns fall below inflation.
TallyMoney bypasses interest entirely by preserving value in gold.
🔗 Related: Are your savings working for you, or a bank?
Meet the guy who wouldn’t accept being trapped in a ‘heads they win, tales we lose’ government-run monetary system that protects and benefits the financial institutions, to the detriment of the public. Where people’s deposits are constantly at risk, and losing value through inflation caused by central bankers and politicians.
If necessity is the mother of invention, then frustration may be the roommate’s cousin of motivation. In any case, he decided to stop getting mad and start a new monetary system with sound money. Where deposits serve the depositor, where savings build wealth for savers, and transactions are made in a familiar way. And he called it TallyMoney.
With TallyMoney:
We’re not anti-bank because it’s trendy. We’re anti-bank because the current system is rigged against you. Every day you leave money in a “savings” account, you’re funding their profits while your wealth evaporates.
Why gold? It’s value is universally acknowledged.
So while the pound’s lost 50% of its value since 2004, gold’s grown by 146% in the last decade alone. While your bank savings got mugged by inflation, gold owners were laughing all the way to… well, not the bank.
But here’s the rub: Traditional gold ownership is a right pain. Buy physical bars? Prepare for storage fees that’ll make your eyes water, insurance premiums that never end, and a 5-10% haircut when you need to sell. Plus, try buying your weekly shop with a gold ingot.
Paper gold ETFs? They’re classed as Tier 3 assets for a reason – that’s financial speak for “risky as hell.” You don’t own gold, you own a promise. A tradeable IOU. And when everyone wants their gold at once? Good luck with that. So you’re stuffed either way: real gold that’s impossible to use, or fake gold that might not be there when you need it.
Until now.
How? Well, when politicians overspend (and they invariably do), they need more money to ‘stimulate the economy’. But raising taxes makes voters angry. So what do they do? They fire up the money printer, and boy do they love to print. To give you a sense of the scale, since 2015 the Bank of England has created £520bn out of thin air through “quantitative easing” (electronic money printing) plus £86bn in physical currency.
Thing is, more pounds in circulation = each pound is worth less. Think about it: In 2004, £100 could buy you a decent night out, theatre tickets, and a cab home. Today? That same £100 barely covers the theatre tickets. Your money didn’t disappear – it was diluted, like someone’s been topping up your whisky with water when you weren’t looking.
The “2% inflation target” they bang on about? That’s them telling you they plan to steal 2% of your wealth every single year. And calling it healthy.
*All Tally gold is sourced from LBMA-accredited providers because we’re rebels with a cause… and standards. Instead of tracking the gold price per kg, your money is directly converted based on the real-time global gold spot price.
This is why TallyMoney is so much more than just owning Gold – it’s a real financial revolution. We’re not just helping you own gold; we’re bringing back what money was always meant to be. Sound Money for a Brighter Future. Because your hard work and wealth deserve better than being slowly robbed by external forces.
Why does this matter? Because your hard work deserves better than being turned into monopoly money by someone else’s actions. Every time your currency loses value (inflation) its stealing from your past work, which harms your present savings, and your future dreams.