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Silver and gold bullion currently selling at or near the underlying spot price, ranked by premium across every dealer we track. Updated every 10 minutes.
At spot means a dealer is selling at or near the underlying London PM fix for that metal — the premium over spot, not the metal itself, is what differs across vendors. We track every dealer listing on a 10-minute revalidation cadence; any offer where premium percent is below the per-metal threshold qualifies for this page.
Premium is computed as `(dealer_price − spot × weight) ÷ (spot × weight)`. Spot prices come from the live wire (gold-api.com); dealer prices come from our hourly scrape across all tracked dealers. Offers below a −2% sanity floor (likely typos) are excluded; offers older than 24 hours are excluded; out-of-stock listings are excluded.
Silver and gold thresholds differ because their premium structure differs — silver listings cluster around +2% to +5% even at quiet markets, gold around +1% to +3%. Setting the same threshold for both would either show no silver or only show gold deals that aren't actually at spot. We start strict (silver +2%, gold +1%) and auto-relax up to a per-metal cap (+4% / +2%) when fewer than 6 products qualify.
When even the relaxed cap yields fewer than 3 products, the section degrades to a "closest 5" view with the actual premiums shown — so you see honest market reality rather than an empty page or a misleading "no offers" message. The threshold pill on each per-metal page always reflects the current cap, including the relaxed state.
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