"paper gold" is a kind of personal voucher gold. Investors buy and sell "virtual" gold on the books according to the bank quotation. Individuals earn the fluctuating price difference of gold by grasping the international gold price trend. Investors' trading records are only reflected in the "gold passbook account" opened by individuals in advance, and no real money is withdrawn and delivered.

The concept of "paper gold" in foreign exchange: Special Drawing Rights (SDR) is a reserve asset and accounting unit created by the International Monetary Fund to settle the balance of payments deficit among member countries.