UPMA™ members are eligible to participate in the association's Liquid Gold™ program by which they can hold and spend gold and silver dollars in amounts as little as one gold or silver cent (about a quarter dollar of base metal coinage). Such holdings can be used to purchase goods and services from other UPMA™ members within the association's closed-loop exchange.

Members can also convert their Liquid Gold™ holdings to load debit cards issued by True Link Financial™, while $10,000 in Federal Reserve Notes can be received via liquidation each month at no buy/sell spread. This empowers UPMA™ members to re-monetize gold and silver legal tender by exercising true choice in currency.