You can hold, send, and trade it digitally without storing gold bars yourself. Its price follows the global gold price. The risks: you depend on the issuer and custodian, and the gold price can fall.**

This article explains what XAUt is, how it differs from stablecoins and physical gold, its risks, and how to buy it on Mobee. Last updated October 20, 2026.

Quick Summary: XAUt (Tether Gold)

Key Takeaways

• XAUt is the Tether Gold token: 1 token represents 1 troy ounce of physical gold (about 31.1 grams), according to the issuer.
• One token is not one gram. One token's price looks far higher than the gold price per gram because the unit is about 31 times larger.
• XAUt's price follows the global gold price, not the dollar like a regular stablecoin, so its value can rise and fall.
• You hold a token that depends on the issuer and custodian, not a gold bar in your hand.
• Redemption for physical gold generally applies only to large amounts and carries extra fees [VERIFIKASI].
• As of October 20, 2026, XAUt is available on Mobee through Digital Gold and Spot Trade.

What Is Tether Gold (XAUt)?

Tether Gold is a blockchain token that represents physical gold. Its issuer, Tether, states that each token represents one troy ounce of London Good Delivery gold bars held in Swiss vaults [VERIFIKASI against the primary document]. A troy ounce is the international unit for gold, about 31.1 grams.

"1:1 with physical gold" means one token per troy ounce, not per gram. So one XAUt is about 8.3 suku (the traditional Indonesian gold unit of 3.75 grams). You can also buy small fractions of one token.

What you hold is a token that represents that gold under the issuer's terms. That differs from holding a gold bar directly. To compare XAUt with other gold tokens such as PAXG, read the XAUT vs PAXG comparison or PAX Gold. For how to buy and redeem directly on the primary and secondary markets, see the guide to digital gold investing with Tether Gold. If real world assets are new to you, start with what RWA is.

How Does XAUt Work?

Gold is stored, tokens are issued

According to the issuer, gold bars are allocated and stored in vaults in Switzerland, and Tether then issues tokens matching the amount of gold [VERIFIKASI]. The tokens circulate on a blockchain, so you can buy, sell, and send them like other crypto assets.

The price follows gold

Buyers and sellers in the market value XAUt based on the global gold price. That is why its price tends to move in the same direction as gold. The token's price can drift slightly from the spot gold price, especially when markets are volatile. The global price is quoted in US dollars, so the rupiah price is also affected by the exchange rate.

Redemption and the primary market

Besides trading on exchanges, tokens can be bought and redeemed directly from the issuer through the primary market. A secondary source (CoinStats) records a primary purchase minimum of about 50 XAUt with identity verification, and redemption for physical gold generally at about 430 XAUt or more, delivered in Switzerland, with extra fees [VERIFIKASI with the issuer]. For most people, the most practical route is buying and selling the token on the market.

Dependence on the issuer and custodian

The token is only worth something if the gold behind it really exists and the issuer can honor it. According to sources cited by the old article, the issuer publishes reserve reports [VERIFIKASI]. Reports help transparency, but they do not remove issuer and custodian risk.

How Is Tether Gold Different From Stablecoins and Physical Gold?

Stablecoins such as USDT are designed to stay worth about one US dollar. XAUt is not designed to be stable. Its price follows the global gold price, which can rise and fall. That is why XAUt is not a regular stablecoin, even though it is often grouped with tokens anchored to other assets.

The table below compares the three. It compares their nature, not which is better.

For how gold compares with other assets, read Bitcoin vs gold.

Advantages and Points to Weigh

Advantages according to the product's design:

• Easy access and small fractions. Traded 24 hours on crypto exchanges. On Mobee, the Digital Gold page says you can start from Rp10,000 (as of October 20, 2026).
• Liquidity. Traded on various exchanges, so it can be sold without arranging physical delivery.
• Transparency. The issuer provides reserve reports and a bar lookup tool according to the old article and CoinStats [VERIFIKASI]. Reports do not remove issuer risk.
• Easy transfer. Can be sent over the blockchain without the shipping and insurance costs of physical gold.
• Fees. Mobee's Digital Gold page says there are no storage and management fees. On the issuer's primary market, CoinStats records a 0.25% purchase and redemption fee (a storage fee is not stated). Check current fees before you trade [VERIFIKASI].

Points to weigh:

• Issuer and custodian risk. The token's value depends on the issuer's ability to meet its obligations. CoinStats notes that the Swiss custodian is described as a related party [VERIFIKASI].
• Limited redemption. Physical redemption generally applies only to large amounts and can be delayed or unavailable under certain conditions (according to CoinStats [VERIFIKASI]).
• Tokens can be frozen under the issuer's terms, and there are restrictions for certain regions (according to CoinStats [VERIFIKASI]).
• The gold price rises and falls. Gold is often used as a hedge, but there is no guarantee. The global gold price hit a record in January 2026 and has since fallen quite far, as covered in today's digital gold price. Learn about inflation and purchasing power and how to choose assets before you decide.
• Dollar value. The token's rupiah price is also affected by the exchange rate. Understand volatility too.

Key XAUt Data

XAUt's supply and market value change with purchases and redemptions, so this article does not list fixed figures. For the current price, see today's digital gold price or the XAUT/IDR pair on Mobee.

How to Buy XAUt on Mobee

As of October 20, 2026, there are two routes to buy XAUt on Mobee. First, the Digital Gold menu in the app, which is based on XAUt and, according to its page, can be started from Rp10,000. Second, Spot Trade with the XAUT/IDR pair for trading directly in rupiah, or XAUT/USDT. Mobee is operated by PT CTXG Indonesia Berkarya, which is licensed and supervised by the Indonesian Financial Services Authority (OJK). Install the Mobee app to get started.

Steps to buy XAUt in the Mobee app:

1. Register and verify. Create an account and complete verification (KYC) with the sign-up and KYC guide.
2. Deposit funds. Top up your balance, for example through QRIS. See how to deposit via QRIS.
3. Choose a route. For a simple purchase, open the Digital Gold menu. To choose your own order type, open Trade and search for XAUT.
4. Choose a pair, XAUT/IDR or XAUT/USDT, if you go through Spot Trade.
5. Choose an order type. A Market order executes immediately at the current market price. A Limit order waits for the price you set.
6. Enter the amount and confirm. Recheck before you confirm. XAUt will appear in your wallet once the order is filled.

Detailed steps for buying and selling through the Digital Gold menu are in the guide to buying and selling XAUT on Mobee. Also read how to buy crypto for beginners. Start with an amount whose risk you can bear.

Is XAUt Right for You?

XAUt is not a single answer for everyone. This token can be appealing if you want exposure to the gold price without storing bars, are comfortable with crypto products, and understand issuer risk. If you need physical gold in hand, or are not comfortable depending on an issuer and custodian, other products may suit you better.

Consider your goal, your time horizon, and what share of your portfolio is reasonable for this asset. Position sizing and risk management are covered in crypto trading risk management. This article is not investment advice, and there is no guarantee of profit or value protection.

Conclusion

XAUt is the Tether Gold token: one token represents one troy ounce of physical gold held in Switzerland according to the issuer. Its price follows the global gold price, so it is not a stablecoin and its value can rise or fall. Its appeal lies in digital access, small fractions, and 24-hour trading without handling gold bars.

The other side: you hold a token, not gold in your hand, so you depend on the issuer and custodian. Physical redemption generally applies only to large amounts, and the gold price can fall. There is no guarantee of profit or value protection.

If you are interested, first understand how it works, decide on an amount whose risk you can bear, and do your own research. Digital Gold, XAUT/IDR, and XAUT/USDT are available on Mobee as of October 20, 2026.

Frequently Asked Questions

What is XAUt?

XAUt is Tether Gold, a token issued by Tether that represents 1 troy ounce of physical gold held in Swiss vaults, according to the issuer. You can hold and trade it digitally without storing gold bars yourself. Its price follows the global gold price. The risks: you depend on the issuer and custodian, and the gold price can fall.

Is XAUt a stablecoin?

Not a regular stablecoin. Stablecoins such as USDT are pegged to the US dollar, while XAUt's price follows the global gold price, which rises and falls. So XAUt is not designed to stay stable in dollars or rupiah, and its value can drop when gold falls.

Is 1 XAUt equal to 1 gram of gold?

No. One XAUt represents one troy ounce of gold, about 31.1 grams or about 8.3 suku (the traditional Indonesian gold unit of 3.75 grams), according to the issuer. That is why one token's price looks far higher than the gold price per gram. Tokens can be bought in small fractions.

How do I buy XAUt on Mobee?

As of October 20, 2026, you can buy XAUt on Mobee through the Digital Gold menu or Spot Trade with the XAUT/IDR and XAUT/USDT pairs. Register and complete account verification (KYC), deposit funds, then choose the route you want. Check current availability in the app before you trade.

Can XAUt be redeemed for physical gold?

According to the sources cited, physical redemption generally applies only to amounts of about 430 XAUt or more, with delivery in Switzerland and extra fees. Official terms can change, so check the issuer's conditions. For most people, selling the token back on the market is more practical.

Is XAUt safe, and does it always protect value?

There is no guarantee. The gold price can fall, and the token carries issuer, custodian, redemption, and technical risks. Gold is often used as a hedge, but the outcome is uncertain. Use only funds whose risk you can bear and start with a small amount.

Disclaimer

This article is for information and education only and is not investment, legal, or tax advice. Crypto assets and tokenized real world assets are high-risk instruments with large volatility. Product terms can change. Do your own research and use only funds whose risk you can bear. Mobee is operated by PT CTXG Indonesia Berkarya, licensed and supervised by the Financial Services Authority (OJK).