Thank you for your great questions! Regarding the vault question.... its a personal preference really. Some people like to have their precious metals holding in different jurisdictions around the world because they feel it mitigates risk. To be honest I dont think it matters, all the vaults are insured....... There are ways to redeem your metal but most people dont use Goldmoney in that way. I have seen many people redeem some metal as a way of a personal audit when first starting as a client, that has been a fairly common practice...... I do not personally audit the vaults but I am in regular contact with people that do. You can actually see some of the bullion here: https://instagram.com/p/BV2Ujn4lrjk/