If gold itself haven't cross the nisaab. And I have money which crosses the nisaab(Value of silver nisaab). Do i need to pay zakah on gold by converting its value to money?

The zakat of money is measured in gold only as is the fatwa of our sheikh Muhammad Hisham and it is the correct one in sha'a Allah. So u add what u have in gold, if it is not worn jewlery as there is no zakah on that, with the money and if they surpass the nisab u wait a year frpm the time they reached the threshold then pay the zakat.