The gold starts off as ions in solution, using a chemical or metal to reduce the gold we give the ions an electron, so they form atoms of gold floating around in solution, the small atoms are too small to see, and not heavy enough sink, or to precipitate, these atoms must come together (if they do not come into contact they do not combine to a larger size), to gain a larger mass (forming clusters of gold atoms) to gain enough weight to sink in the solution, when and if they can combine to become a large enough particle, or cluster of atoms to sink, they can overcome the gravity in solution and precipitate, or stay in solution a little longer growing in size before precipitating, this size can be determined by many factors.
Concentration, temperature, what else is in the solution, contamination of solution, (base metals, oxidizers, salts ...), the reducing agent, how well the gold ions can gain back their electrons, and how well the atoms of gold can come into contact with each other to combine with each other, to form a heavier cluster of gold atoms, and their ability to grow to a larger size or cluster before the precipitate, How long these clusters of atoms stay in solution, and keep combining to bigger cluster before they overcome the gravity in solution and precipitate out of solution.
Or their growth is stunted in the process as is the case with colloidal gold formation....
Several factors can affect the size they can grow to, the clusters of gold atoms to before they sink.
Or do not sink.
As will be the case when the cluster of gold atoms which form a colloid, stunted in growth at a certain stage of growth, and size, by the colloidal forming substance (like tin or stannous, citrus acid...), (the color of the stannous is from the gold atoms cluster being a certain size), and stunted at that certain stage of growth, these clusters of gold atoms form a charge, colloids with opposing like charges, will just push each other around in solution indefinitely, without the ability to come together and combine to larger clusters, where they may have a chance to overcome gravity (or the repelling force of the other colloids in solution shoving them around all over the place in solution), and sink.
In the case of the stannous chloride test, the colloidal gold moving around in solution gives the violet color we see.
Thinking also how gold reacts in plating gold out of a solution with electrolysis, where the gold ions gain an electron at the cathode, and can plate out onto the cathode to form a deposit, a smooth layer of gold sticking well to the cathode metal in tight gold clusters of atoms. Or a powder of impure gold that falls off the cathode as black powder, there are many factors that can determine how the gold atoms combine once reduced back to a metal.
The electrolyte solution, purity of metals and the electrolyte, temperature, concentration the reducing forces. surface area current voltage...