The answer seems to be gold pegged cryptocurrency. Nubits have kept their peg for a long time now even though a while back it dipped it has recovered. Wish they would peg gold as well as dollars though.

A gold backed cryptocurrency is ridiculous we need a gold pegged cryptocurrency. what if they take the gold and run? Your tokens worthless. Not decentralized.

Thank you for your reply, I'm new here too and yours is my first on steemit. I'll look at that site. So they hold the gold for you but they basically are a bank for gold if I understood.