S
Silver Package·Dubai, UAE & Global

2-year investment package16–19% annual return

The BricketX Silver package puts your capital into e-commerce operations and gold trading — digital growth paired with precious metal stability. Annual income from e-commerce. Half-yearly income from gold. Two-year term. One step above Bronze, measurably higher returns.

Start Silver Investment →Calculate My Return
16–19%
Annual ROI Target
2 yrs
Lock-In Period
Data-Driven
E-commerce Model
70%
Profit to Investors
$50K
Minimum Entry
Inventory-backed·e-commerce operations
Kenya–UAE·gold trading corridor
SPV ring-fenced·legal risk isolation
Dashboard access·real-time investor
Shariah-compliant·zero Riba
OverviewTwo BusinessesReturnsPayout ScheduleWhy SilverProtectionFAQ
Package Overview

What is the Silver package?

The BricketX Silver package is a 2-year asset-backed investment targeting 16–19% annual returns. It sits one level above Bronze — a longer commitment in exchange for meaningfully higher annual returns and exposure to the UAE's fast-growing digital economy alongside gold's traditional stability.

Silver allocates your capital across two businesses: e-commerce operations (inventory-backed digital retail in the UAE, using data-driven performance marketing) and gold trading (buying physical gold in Kenya's Kakamega Town corridor and selling at UAE market rates). Both are real, operating businesses — not passive index exposures.

The combination is deliberate: e-commerce provides growth-sector returns uncorrelated to commodity prices, while gold trading adds a defensive, inflation-resistant component with semi-annual cash distributions. Together they target 16–19% annually — the sweet spot between Bronze's short cycle and Gold's longer, mining-based appreciation.

Your 2-year term begins when your capital is deployed. E-commerce profits are distributed annually; gold trading yields arrive half-yearly. At maturity, your principal is returned in full. The 70/30 split means all projected returns you see — $132,000–$138,000 on $100,000 — are already your 70% share. No separate management fee exists.

Silver is available globally. No UAE residency is required. Onboarding is fully digital through the BricketX portal. For deeper context on either underlying business, see our e-commerce investment guide and gold investment guide.

Package SpecificationsSilver
Annual ROI Target
16–19%
Lock-In Period
2 Years (24 Months)
Total Profit (2-Year)
32–38% cumulative
Minimum Investment
$50,000 USD
Underlying Businesses
E-Commerce Operations
+ Gold Trading
Payout Frequency
Yearly (e-commerce)
Half-yearly (gold)
Profit Split
70% investor / 30% BricketX
Management Fee
None
Asset Backing
Inventory + Gold metal
SPV Structure
✓ Ring-fenced
Shariah-Compliant
✓ Riba-free
Geographic Exposure
UAE, Kenya
Risk Profile
Low–Medium
Open to global investors. Digital KYC onboarding. Fully managed.
Invest in Silver→
Package Explainer

See exactly how Silver works

A quick visual overview of the Silver package — where your capital goes, how the e-commerce operations scale alongside gold trading, and what a 2-year investment looks like in practice.

Two businesses — e-commerce + gold trading
2-year tenure · $50,000 minimum
How payouts are distributed (Annual + Half-yearly)
SPV ring-fencing — your capital protected
Underlying Assets

Digital growth Metal stability

Silver's power is in the pairing. E-commerce delivers growth-sector returns from the UAE's expanding digital economy. Gold trading adds a defensive layer — a safe-haven asset generating its own semi-annual income stream independent of retail cycles.

Business 01
Inventory-Backed E-Commerce

BricketX operates an inventory-backed e-commerce platform in the UAE, using data-driven performance marketing to move high-demand consumer products. The model is built on real inventory — not dropshipping or arbitrage — with capital allocated 60–70% to stock and 25% to performance marketing. Post-stabilisation, the platform generates strong operational returns distributed annually. Silver investors receive the 70% share annually.

Optimised
Performance Marketing
Steady-State
Post-Stabilisation
15–25%
Annual Business Return
Yearly
Investor Distribution
Inventory-backed: every dollar in stock is a real, sellable asset — not a promise
UAE's e-commerce market crossed AED 27 billion in 2025 — one of the fastest-growing retail markets globally
Performance marketing is ROI-tracked in real time — every dollar optimised for maximum conversion
Two-year horizon lets the business fully stabilise before profit distribution — protecting return quality
Full e-commerce investment guide
Performance Marketing Model
BricketX target
Optimised
Industry avg
~2.0x
Every marketing dollar is tracked end-to-end for attribution and optimisation.
How the E-Commerce Cycle Works
1
Capital Deployed60–70% to inventory, 25% to performance marketing, 5–10% operational buffer
$50K+
2
Inventory PurchasedHigh-demand consumer products sourced and listed across UAE digital platforms
3
Data-Driven MarketingPerformance ads drive traffic. ROAS tracked in real time. Budget reallocated to best performers.
ROI-Tracked
4
Revenue GeneratedSales processed. Inventory replenished. Capital recycled into next cycle.
Steady-State
5
Annual Distribution70% of annual e-commerce profit distributed to Silver investors at Year 1 and Year 2
✓ Paid
Return Calculator

Calculate your Silver returns

See projected returns over the full 2-year Silver term at 16% (conservative) and 19% (target). All figures reflect your 70% share — no hidden deductions.

Your Investment Amount
$
$50K min$1M
Returns shown are targets based on BricketX operational models. All figures already reflect the investor's 70% profit share over a 2-year lock-in period.
2-Year Payout Schedule (on your investment)
Month 6 — Year 1Gold trading H1 payout
$9,500
Half-yearly gold
Month 12 — Year 1E-commerce Year 1 + Gold H2
$18,000
Annual + half-yearly
Month 18 — Year 2Gold trading H3 payout
$9,500
Half-yearly gold
Month 24 — MaturityE-commerce Year 2 + Gold H4 + Principal
$118,000
Final + principal returned
Total value at maturity
$138,000
2-Year Projected Returns
Estimated Value at Maturity (2 Years)
$138,000
at 19% target · $100,000 investment
$132,000
Conservative (16%/yr)
$138,000
Target (19%/yr)
Common Investment Scenarios
Silver vs. Bronze — same $100K
Bronze (1 yr)$114K–$117K
Silver (2 yrs)$132K–$138K
Extra $18K–$21K for one additional year. Higher annual rate (19% vs 17%) on the same capital.
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Target returns are based on BricketX operational models and are not guaranteed. All projections reflect the investor's 70% profit share before tax in your jurisdiction.

Distribution Schedule

When do you receive income?

Silver pays out on two independent schedules across a 24-month term. You receive gold trading income every 6 months (4 payouts total) and e-commerce income every 12 months (2 payouts total). Principal returns in full at month 24.

E-Commerce Component
Annual Payouts
Month 0Capital deployed. Inventory purchased. Performance marketing campaigns launched.
Month 6–9Platform stabilises. Performance marketing optimised. Steady-state operations reached.
Month 12First annual e-commerce payout. Year 1 profits — your 70% share — distributed to your account.
Month 24Final e-commerce payout + Principal. Year 2 profits distributed. Full capital returned.
Annual distributions reflect full-year e-commerce operating profit. The 2-year term allows the business to fully stabilise and mature — this is why Silver yields more per year than Bronze's commodities component.
Gold Trading Component
Half-Yearly Payouts (4×)
Month 0Capital enters the Kenya–UAE gold trading cycle. First 60-day rotation begins.
Month 6H1 gold payout. Gold trading margins from the first two 60-day cycles distributed.
Month 12H2 gold payout. Year 1 second half margins distributed.
Month 18H3 gold payout. Year 2 first half margins distributed.
Month 24H4 gold payout + Principal. Final gold margins + full capital returned at maturity.
Gold distributions are consistent across all four half-yearly cycles — unlike e-commerce, they do not depend on a stabilisation ramp-up period. This makes gold the steady income engine of the Silver package.
Your Full 24-Month Payout Calendar — Silver Package
Your Full 24-Month Payout Calendar
Gold half-yearly payout (×4)
E-commerce annual payout (×2)
Principal returned at month 24
The Case for Silver

Why a balanced 2-year investment works

Silver is BricketX's most balanced package. The combination of digital growth and precious metal stability, over a 2-year term, delivers returns that neither business could produce independently.

01
Higher returns than Bronze
One additional year earns you 2–3% more per year. The e-commerce business needs time to stabilise — and you're paid for giving it that time.
02
Digital economy exposure
UAE e-commerce grew 25%+ annually in 2024–25. Silver gives you direct exposure to this growth through an operationally controlled business — not a listed stock or passive ETF. Your capital is in inventory and marketing, not speculation.
03
Gold as a stabiliser
When digital markets slow, gold typically holds value. The silver package's gold component delivers predictable half-yearly income regardless of e-commerce performance cycles — acting as a shock absorber within the same investment.
04
Income from month 6
You do not wait 24 months to see a return. Gold trading distributes at month 6. E-commerce distributes at month 12. By the end of Year 1, you have already received half your gold distributions and your first annual e-commerce payout — while principal remains at work.
05
Zero leverage, zero Riba
Every dollar invested goes into real operations — inventory and gold. No borrowed capital. No interest-based instruments. The model is fully Shariah-compliant, which matters both for ethical reasons and because it means your downside is strictly bounded by what you invest.
06
Uncorrelated to public markets
Neither UAE e-commerce operations nor Kenya–UAE gold arbitrage moves in line with the S&P 500 or Bitcoin. A stock market correction does not reduce your Silver distributions. This is genuine diversification — not just a different part of the same risk.
2-Year Return Comparison

Silver vs common medium-term alternatives

Annualised Return Comparison — 2-Year Term
Silver (BricketX)
16–19%
Gold Investment
8–12%
Bronze (BricketX)
14–17%
Fixed Deposit / GIC
3–5%
Balanced Fund
6–9%
Returns are indicative of typical performance ranges for each asset class over a 2-year holding period. BricketX Silver figures reflect the investor's 70% profit share target based on current operational models. All investments carry risk.
FeatureSilverBronzeFixed DepositREIT (2-yr)
Annual Return Target16–19%14–17%3–5%5–9%
Term Length2 years1 yearVariableOpen-ended
Digital Economy Exposure✓ E-commerce ops———
Gold Exposure✓ Physical trading✓ Trading——
Income Before Maturity✓ From month 6✓ From month 3At maturityQuarterly
Shariah-Compliant✓ Riba-free✓ Riba-freeNoStructure-dep.
Profit Split70% to investor70% to investorFixed rateNet of fees
Balanced Growth + Stability

Built for medium-term investors

Silver combines operational e-commerce growth with inflation-resistant gold exposure — creating a diversified 2-year structure designed for both income and capital preservation.

Explore Silver
Investor Fit

Is Silver right for you?

Silver attracts a specific kind of investor — someone who understands that one extra year of commitment pays a meaningfully higher annualised return.

Silver is a strong fit if you…
Growth + stability investor
Want higher returns than Bronze (16–19% vs 14–17%) and are comfortable committing for 2 years
Are interested in exposure to the UAE digital economy — one of the fastest-growing e-commerce markets globally in 2025–26
Want income before maturity — gold distributions at months 6, 12, 18 and 24 mean you see returns throughout the term
Are based in Dubai, UAE, the UK, US, Canada, Gulf region, East Africa, or anywhere globally — Silver is open to all investors
Want a Shariah-compliant investment that avoids interest and speculation while still delivering competitive returns
Can commit $50,000 for 24 months and want a balance of digital growth and precious metal stability in one structure
Are considering BricketX and want more than Bronze's 1-year term but are not yet ready for Gold's 3-year commitment
Consider a different package if you…
Need shorter or higher-risk options
Need your capital back within 12 months — consider Bronze (1-year term with quarterly payouts)
Want the highest annual return — the Premium (20–24%) or Multi-Asset Fund (18–26%) offer higher yields for longer terms
Want exposure to all five BricketX businesses — Platinum includes commodities, mining, contracting and e-commerce in one package
Prefer gold mining over gold trading — the Gold package combines gold mining (equity appreciation) with contracting for a 3-year, 18–22% return
Are investing below $50,000 — the minimum applies to all BricketX packages
Medium-Term Investor Profile

Designed for balanced capital growth

Silver is ideal for investors seeking stronger annualised returns than short-term structures while maintaining diversification, periodic income, and downside protection through real businesses.

Apply for Silver
Capital Protection

How does Silver protect your capital?

Six structural layers protect every Silver investment. These are written into your investment agreement — not discretionary policies.

SPV Ring-Fencing
Your capital is placed in a dedicated Special Purpose Vehicle. If any other BricketX project encounters difficulties, their creditors cannot reach your Silver SPV assets. No cross-project liability — legally and structurally enforced. Learn more about SPV structure →
Inventory-Backed Capital
Every dollar in the e-commerce component is tied to real, sellable stock — physical inventory in UAE warehouses with documented purchase orders. Gold component is backed by physical metal with secured shipping and export documentation from Kenya.
Real-Time Dashboard Visibility
Every Silver investor has live access to project-level KPIs through the BricketX analytics portal — e-commerce performance, inventory turn, gold cycle margins and cash flow timelines. You are never waiting for a quarterly PDF to understand your investment's status.
Zero Leverage, Zero Riba
Neither the e-commerce operations nor the gold trading component uses borrowed capital. BricketX does not amplify positions with leverage. The Shariah-compliant structure means losses, in a worst-case scenario, are bounded strictly by the invested amount.
Co-Investment Alignment
BricketX leadership co-invests their own capital in every deal. The 70/30 profit split model means BricketX earns only when the underlying businesses generate profit — there is no scenario where BricketX profits while investors do not.
Quarterly Independent Audits
All active SPVs undergo quarterly independent audits. Reports are distributed to all unit-holders. Annual Shariah-compliance reviews are conducted by third-party advisors, confirming the Riba-free structure is maintained throughout the 2-year term.
SPV Protected
Separate legal structure for investor capital
Asset-Backed
Inventory and physical gold underpin operations
Audited Quarterly
Independent reviews and reporting standards
Frequently Asked Questions

Silver package — questions answered

Everything investors typically ask before committing to the Silver package.

The BricketX Silver package is designed to answer this question for investors seeking 16–19% annual returns over a 2-year term with physical asset backing. It combines UAE e-commerce operations (annual payouts, data-driven model) and gold trading (half-yearly payouts). Silver targets above-benchmark returns, backed by real inventory and physical gold. $50,000 minimum, 70% profit to investors.
A $100,000 Silver investment targets $132,000–$138,000 at the end of the 2-year term — a 32–38% cumulative profit at 16–19% annually. Income arrives before maturity: gold trading distributes at months 6, 12 and 18; e-commerce distributes annually at months 12 and 24. On $50,000, the maturity value is $66,000–$69,000. All figures reflect the investor's 70% share of operational profits with no separate management fee.
Yes, especially through an operationally controlled model rather than listed stocks. The UAE e-commerce market grew 25%+ in 2024–25 and is projected to continue expanding as the region's digital infrastructure matures. BricketX's model is inventory-backed — capital goes into real product stock, not advertising speculation. Performance marketing is ROI-tracked in real time. Unlike buying shares in an e-commerce company, Silver investors are directly backed by the inventory itself. See our full e-commerce investment guide for detailed market context.
The Silver package is BricketX's primary route into e-commerce investment. The process: complete KYC verification on the BricketX portal → receive and sign your investment agreement → transfer $50,000 minimum → capital is deployed into the UAE e-commerce SPV and gold trading SPV simultaneously. BricketX's operations team manages the storefront, inventory, fulfilment and marketing. You track performance in real time via your digital dashboard and receive annual e-commerce distributions and half-yearly gold distributions. No operational involvement is required from you.
Bronze is 1 year at 14–17% using commodities trading (quarterly payouts) and gold trading (half-yearly). Silver is 2 years at 16–19% using e-commerce (annual payouts) and gold trading (half-yearly). The key differences: Silver offers a 2–3% higher annual rate because the 2-year term allows the e-commerce business to fully stabilise and mature. Bronze pays quarterly starting month 3; Silver pays from month 6 but more frequently over the full term (6 total payouts vs Bronze's 5). If you want the shortest commitment, choose Bronze. If you want meaningfully higher annual returns and are comfortable with 2 years, Silver is the better choice. See our Bronze page for a direct comparison.
The Silver package has a defined 2-year lock-in. Capital is deployed into live e-commerce inventory cycles and gold trading from day one, so early withdrawal is not a standard feature. BricketX does offer early exit options subject to platform liquidity conditions — this may be facilitated through internal capital reallocation or incoming investor participation, as specified in your investment agreement. At the end of the 24-month term, your principal is returned in full alongside any final distributions. Reinvestment and rollover into a new Silver or higher package are also available. See Exit & Liquidity for full terms.
Yes. The BricketX Silver package is fully Shariah-compliant. Both underlying businesses — e-commerce operations and gold trading — are structured without interest-based financing (Riba). The profit-sharing model (70% to investors, 30% to BricketX) follows a Musharakah-aligned structure where both parties share in operational profit and loss. No leverage or speculative derivatives are used. Annual Shariah-compliance reviews are conducted by third-party advisors to confirm the framework remains intact throughout the 2-year term.
Full Package Range

All BricketX investment packages

Silver sits in the middle of BricketX's package range — above Bronze's 1-year term, below Gold's longer horizon. View all packages →

Bronze
14–17%
1 year · Commodities + Gold
You are here
Silver
16–19%
2 years · E-commerce + Gold
Gold
18–22%
3 years · Mining + Contracting
Platinum
19–23%
4 years · All 5 businesses
Premium
20–24%
5 years · All 5 businesses
Flagship — Multi-Asset Fund
18–26% annual · 1–5 year flexible tenure · All 5 businesses · Professionally managed
View Multi-Asset Fund
Accepting Investments Now

Start your 2-year investment
Earn from month 6

Silver combines UAE e-commerce growth with gold trading stability. $50,000 minimum. 16–19% annually. Annual income from e-commerce. Half-yearly income from gold. 70% profit to you — no management fee.

Invest in Silver — $50K MinimumSpeak to an Advisor
SPV Ring-Fenced
No Management Fee
Global Investors Welcome
Shariah-compliant·Digital onboarding·Physical asset-backed structure·Transparent payout model