Gold Evolution User Guide

Welcome! Gold Evolution is a Shariah-compliant fractional gold savings platform built for everyone in Singapore — whether you are new to investing or simply looking for a smarter way to preserve your wealth.

Instead of buying an entire gold bar at once, you can start with as little as S$50 and accumulate gold in small fractions over time. Your gold is held securely on your behalf, and you can sell back or redeem it for a physical bar whenever you are ready.

Creating your Gold Evolution account takes just a few minutes. Here is how to get going.

1. Open your web browser and go to goldevolutionsg.com.

2. Click the Get Started or Sign Up button on the homepage.

3. Fill in your details: full name, email address, and a password of your choice. If a friend referred you, enter their referral code in the optional field — this links you to their agent account.

4. Check your email inbox for a verification email from Gold Evolution. Click the link inside to confirm your address.

5. Return to the website and log in with your email and password. You are all set!

After logging in, you will land on your personal dashboard. This is your at-a-glance view of your gold portfolio.

Ready to start saving? Purchasing fractional gold is straightforward. You can pay by debit card (instant) or PayNow — Singapore's instant transfer system. For card payments we accept debit cards only; credit cards are declined to keep your purchase free from interest-based (riba) financing, in line with our Shariah commitment.

1. From your dashboard, click the Buy Gold button.

2. Choose how you'd like to enter your order using the S$ Amount / Grams toggle: either type the SGD amount you wish to spend, or switch to Grams and type how many grams of gold you want. Whichever you choose, the platform instantly shows the other value at the current live rate. The minimum purchase is S$50.

3. Review the order summary — check the amount, the grams, and the rate — then click Confirm Order.

4. The PayNow screen shows the amount and your account reference (your GE number). Make a PayNow transfer using the UEN below, and enter your GE number as the payment remarks.

5. After transferring, tap I've Made Payment and upload a screenshot of your PayNow confirmation. Your order is created and screened at this step — so if you close the screen before this, no order is placed and you won't be charged.

6. If verified instantly, your gold balance is updated within seconds and you'll receive a confirmation notification. If the screenshot needs additional review, our team will confirm — usually the same day.

Need to access your funds? You can sell (or "sell back") your gold at any time. The payout is credited to your registered bank account.

1. From your dashboard, click the Sell Gold button.

2. Use the Grams / S$ Amount toggle to enter either the number of grams you wish to sell, or the SGD amount you'd like to receive — the platform works out the other at the current buyback rate. You cannot sell more than your current balance.

3. Review the SGD payout amount based on the current buyback rate shown in the platform.

4. Click Confirm Sale. Your gold balance will be debited immediately.

5. Our admin team will process your payout to your registered bank account within 2 business days.

In addition to fractional savings, Gold Evolution offers a catalogue of physical gold bars that you can purchase outright. This is separate from your fractional gold balance.

1. Navigate to the Gold Bar Catalogue section from the main menu.

2. Browse the available bars. Each listing shows the weight (e.g. 1g, 5g, 10g, 50g, 100g), purity (e.g. 999.9 fine gold), and current price in SGD.

3. When you find a bar you want, click Buy Now to initiate a direct purchase.

4. Complete payment via PayNow as directed, using your GE number as the payment remarks, then tap I've Made Payment and upload your screenshot — that step places the order.

One of the most rewarding milestones of your gold savings journey is converting your accumulated grams into a real, physical gold bar. Here is how to redeem.

1. Ensure your fractional gold balance is at least equal to the weight of the bar you want (e.g. 10 grams for a 10g bar).

2. From your dashboard or portfolio section, click Convert to Physical Gold.

3. Browse the eligible products and select the bar you wish to redeem into.

4. Confirm the quantity and review the conversion summary — grams to be deducted from your balance.

5. Submit your request. Our admin team will review it and, upon approval, ship your physical gold bar within 3–5 business days.

Gold Evolution gives every customer the opportunity to earn extra income by sharing the platform with others. Anyone can become an agent — no application fees, no minimum targets.

How It Works

1. Find your unique referral link in the Agent section of your dashboard.

2. Share it with friends, family, or your contacts via WhatsApp, social media, or any channel you prefer.

3. When someone signs up using your referral link and makes a purchase, you earn a referral bonus on every transaction they complete — automatically.

4. Track your earnings, referred customers, and performance in your Agent Dashboard.

Referral Bonus Tiers

Your referral bonus rate grows as you build your customer base. The more customers you bring in, the higher your earnings per transaction.

Your Agent Dashboard

The Agent Dashboard gives you a complete view of your performance:

Compliance Training

Before you start referring customers, complete the two short compliance modules in the Compliance Training card on your Agent Dashboard: AML/CFT (anti-money-laundering) and CDD (customer due diligence). Tap a module to open it, read through, and pass the short assessment at the end.

Once you pass, that module shows ✓ Completed with the date, and when both are done you'll see an All cleared badge. You can re-open a completed module anytime to refresh your knowledge.

A complete record of all your activity on Gold Evolution is available in your Transaction History. You can view this section from the main navigation at any time.

Your history includes:

• Gold Purchases — date, SGD amount, grams received, and transaction reference.
• Sellbacks — date, grams sold, SGD payout amount, and bank account credited.
• Physical Conversions — date, bar redeemed, grams deducted, and delivery status.

Each transaction is marked with one of three statuses:

Your account security is important to us. Here are some simple steps to keep your gold savings protected.

Our friendly team is here to help. Whether you have a question about your account, a pending transaction, or just want to learn more about gold investing, get in touch — we would love to hear from you.