You wont get it at spot. But average retail is 20% over atm.
https://findbullionprices.com/closest-to-spot/
Was noodling on this a little while back in the aforementioned triple ledger system suggested
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DR 1oz Silver
CR $1UST note
ER 1 e-coin
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DR = debit, CR = credit, ER = electronic record
Would it be at all possible for nefarious entities to debase this type of system?