Gold Evolution User Guide
Everything you need to start saving in gold — simply, safely, and the Shariah-aligned way.
Welcome! Gold Evolution is a Shariah-aligned 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.
Gold has historically been one of the most reliable stores of value across thousands of years. By saving regularly — even small amounts — you are building real, tangible wealth in a time-tested asset.
Creating your Gold Evolution account takes just a few minutes. Here is how to get going.
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Open your web browser and go to goldevolutionsg.com.
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Click the Get Started or Sign Up button on the homepage.
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Fill in your details: full name, email address, and a password of your choice. Enter the referral code of whoever introduced you (check with them if you're unsure) — this links you to their agent account. If nobody referred you, enter GE0000001 to sign up under Gold Evolution directly.
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Check your email inbox for a verification email from Gold Evolution. Click the link inside to confirm your address.
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Return to the website and log in with your email and password. You are all set!
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Open your Profile and complete your details — mobile number, date of birth, purpose of purchase, source of income, and next of kin. Under Personal Info, tap Edit to fill in your date of birth and next-of-kin details, and use the compliance details section for purpose of purchase and source of income — then tap Save. You must be 18 or older to hold an account; these details are kept private and used only for account verification and regulatory compliance. All of these are required before you can buy or sell — if any are missing, you'll be sent here to complete them when you place your first order. (Customers who sign up now provide all of these during registration.)
Can't find the verification email? Check your Spam or Junk folder. If it is not there after a few minutes, contact our support team and we will resend it promptly.
You must verify your email before you can make any purchases. This is a regulatory requirement to protect your account.
For quick, app-like access you can install Gold Evolution straight to your phone — no app store needed. It opens full-screen with the Gold Evolution icon, just like a regular app.
iPhone (Safari): open goldevolutionsg.com in Safari → tap the Share icon (□↑ at the bottom) → scroll down → Add to Home Screen → Add.
Android (Chrome): open goldevolutionsg.com → tap the ⋮ menu → Install app (or Add to Home screen). You may also see an Install prompt appear automatically.
Tip: on iPhone it must be Safari — other browsers won't offer the install option.
After logging in, you will land on your personal dashboard. This is your at-a-glance view of your gold portfolio.
Check the price chart regularly to understand market trends. Gold prices can move based on global economic events — being informed helps you decide the best time to buy or sell.
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.
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From your dashboard, click the Buy Gold button.
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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.
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Review the order summary — check the amount, the grams, and the rate — then click Confirm Order.
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The PayNow screen shows the exact amount to pay in large type, with a 📋 Copy button — tap it and paste the amount straight into your banking app so you never have to re-type the cents. It also shows your account reference (your GE number). Make a PayNow transfer using the UEN below, and enter your GE number as the payment remarks.
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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.
Please upload the screenshot from this specific payment. Each order needs its own PayNow transfer, and a receipt that has already been used for another order will be automatically declined.
If you switched to your bank app to pay and the page reloaded to your dashboard, don't worry — this upload screen reopens automatically so you can add your receipt. If you close it, an amber "⏳ Finish your payment" banner stays at the top of your dashboard — tap it any time to come back here.
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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.
Your order is only placed when you tap I've Made Payment and upload the screenshot — that is the step that creates and submits it. Make the PayNow transfer (with your GE number in the remarks), then upload the payment screenshot in the app. Without the screenshot upload, your payment cannot be verified.
The gold rate shown at order confirmation is indicative. Your final gram allocation is based on the rate at the time your payment is verified. Rates move with the live market.
Prefer not to think about it each month? Set up a monthly savings subscription and we'll automatically buy gold for you every month using your debit card. It removes the "should I save this month or not?" decision — your gold grows steadily through dollar-cost averaging, and you can change or cancel anytime from your profile.
A monthly plan is always a fixed dollar amount each month (not a fixed number of grams). If you entered your order in grams, we simply convert it to today's dollar value for the recurring charge — so the exact grams you receive will move up or down with the gold price each month. One-time purchases can be entered either way, by dollar amount or by grams.
Want to build a gold nest-egg for your kids? Add each child from the Children's Savings tile on your dashboard (a child's date of birth is required, and they must be under 18 — once they turn 18 they can open their own account). Then tap Assign gold on that child and set how much of your balance to hold for them — you can enter it either as a dollar amount (converted to grams at today's price) or in grams directly; the two update each other — drawn from your pool, just like a savings goal. It's instant, nothing is moved or locked, and you can change it anytime. Each child's assigned gold is shown separately in the tile; it stays part of your total balance, held under your account, and the certificate remains in your name. You're the legal owner and can sell or manage it whenever you like — removing a child simply returns that gold to your own balance. Your assignable pool is your balance minus what you've already put toward goals and other children.
You can also add to a child at purchase time: use the “Saving for” selector on the Buy screen, and once your payment is confirmed those grams are added to that child automatically — no need to assign by hand. This works for one-time buys and monthly plans, so a recurring plan with a child selected tops up their savings every month.
Saving for your parents too? If you look after the finances for your elderly parents, use the separate Parents' Savings tile — it works exactly like children's savings (add them, assign gold from your pool, buy on their behalf, and sell from their earmark) — no date of birth or age limit is needed, just their name and relationship. Both children and parents appear in the “Saving for” selector on the Buy screen and in the Sell from options.
Saving toward something specific — Hajj, a home deposit, an emergency fund? Use the My Savings Goals tile on your dashboard to split your gold into separate goals. Tap + New goal, give it a name and icon, set a target in dollars, and assign some of your grams to it. Each goal shows a progress bar based on the current value of the grams you've assigned.
Add a purchase straight to a goal. When you buy fractional gold, an Add to a goal selector appears on the buy screen (once you have at least one goal). Pick a goal and, as soon as your payment is confirmed, those grams are added to it automatically — no need to assign them by hand afterwards. It only fills the goal up to its target; if a purchase is larger than what the goal still needs, the remainder simply stays in your balance as unassigned. This works for one-time buys and monthly plans. (It's only for savings you're keeping for yourself; if you're saving for a child, the goal selector is hidden, since children's gold is tracked separately.)
Goals are simply a way to organise your own balance — nothing is moved, locked, or sent anywhere, and your gold stays in one pool you can sell anytime. You can freely move grams between goals, and the Unassigned figure shows how much of your balance you haven't put toward a goal yet. (Grams you've earmarked for your children are kept separate and aren't part of your goal assignments.)
As a birthday treat, you may receive a fixed amount of gold on us during your birthday month. When you're eligible, a green Happy Birthday banner appears at the top of your dashboard showing your voucher code. There are two ways it reaches you, and it can only be used once:
- Saving monthly (auto-savings)? It's added automatically as bonus gold on your birthday-month payment — you pay your normal amount and simply receive extra gold that month. Nothing to do, no top-up needed. (Because it comes automatically, the one-time code box isn't shown while you have an active monthly plan.)
- Making a one-time buy? Tap the banner (or go to Buy, a physical bar, or your cart), enter your code in the Birthday voucher code box and tap Apply. The amount comes off what you pay, and you still receive gold for the full pre-discount value.
Note: your code only works on your account, there may be a small minimum spend, and the gift is one-use — whichever way you redeem it first is the one that counts.
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.
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From your dashboard, click the Sell Gold button.
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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.
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Sell from (only shown if you've set up goals, children or parents): choose which "pot" to sell from — your general (unassigned) savings, a specific goal, or a specific child's or parent's earmark. If you sell from a goal, child or parent, that earmark is reduced automatically by the amount you sell, so your figures always stay accurate. Selling from general is capped at your unassigned gold — to sell gold you've set aside for a goal or a loved one, just pick that pot. When you choose a child or parent, a short reminder appears: gold you hold for someone else is a trust (amanah) and they have the right of possession, so please seek their permission where possible, or make sure the sale is clearly for their benefit.
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Review the SGD payout amount based on the current buyback rate shown in the platform.
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Click Confirm Sale. Your gold balance will be debited immediately.
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Our admin team will process your payout to your registered bank account within 2 business days.
A sell request only becomes a completed sale when we pay you — the gold and the money change hands together. Until then it's a pending request and your gold is still held in your name, so you could take physical delivery of it instead. This keeps every buyback Shariah-aligned (settled hand-to-hand, never on credit) and means you're never left having "sold" while waiting on us.
Make sure your bank account details in your profile are correct and up to date before placing a sell request. Payouts cannot be redirected to a different account after confirmation.
The buyback rate is visible in the platform before you confirm your sale. You will always see the exact payout amount before proceeding.
You may notice the buyback rate is slightly lower than the buy price — this small difference is called the spread, a normal and industry-standard feature of dealing in physical gold. It reflects the real-world costs of holding gold securely on your behalf and keeps our pricing transparent, with no hidden fees. Because Gold Evolution is built for long-term saving, the spread matters less the longer you hold, as your gold grows with the gold price.
Selling physical gold you already own
Separately from buyback, you can sell physical gold bars or coins you already own — bought from us or anywhere else — directly to Gold Evolution.
From your dashboard, tap the Sell Your Physical Gold tile.
Enter a description of the item (e.g. "PAMP Suisse 50g bar"), its weight in grams, and attach a clear photo.
Selling more than one piece? Tap ＋ Add next item to queue it and enter the next — add as many as you like in one submission. Each item is reviewed and paid separately.
Tick the genuine-gold undertaking — you confirm the items are real gold and yours to sell, and agree that if any item turns out not to be real gold, you'll return the amount paid for it. This is required before you can submit.
Press Submit Order. Every item appears under Your sell requests marked Pending review.
Our team inspects your photo and confirms a payout amount. Once approved, the payout is shown against your request; if we can't accept the item, you'll see the reason there.
A clear, well-lit photo of the actual item (and its assay certificate, if it has one) helps us confirm your payout faster. This is completely separate from your fractional savings balance — it doesn't touch your saved grams.
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.
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Navigate to the Gold Bar Catalogue section from the main menu.
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Browse the available items — the catalogue is grouped into Gold Bars and Gold Coins and ordered by weight. Each listing shows the weight (e.g. 2.5g, 5g, 10g, 50g, 100g), purity (e.g. 999.9 fine gold), and current price in SGD. Items in stock show how many are available; items marked 🛒 Made to order can still be pre-ordered (see the note below).
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When you find a bar you want, click Buy Now to initiate a direct purchase.
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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.
Catalogue prices are updated regularly to reflect the current market. If you are planning a larger purchase, reach out to our support team — we may be able to assist with bulk pricing.
Physical bar purchases from the catalogue are separate from your fractional gold savings account. The grams do not automatically add to your savings balance.
If a bar is out of stock, you can still pre-order it. When you pre-order, you appoint us as your agent (wakālah) to buy that bar for you. The total price shown before you confirm includes our agency fee. We source the bar promptly (usually within 1 business day of payment); it becomes yours on purchase and is delivered within 3–5 business days. If we cannot source it, you are refunded in full.
When your gold arrives, open Transaction History and tap ✓ Confirm received on the order. This lets our team know the delivery is complete — please tap it only once the gold is in your hands.
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.
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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).
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From your dashboard or portfolio section, click Convert to Physical Gold.
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Tap a product card to add it to your conversion — you can mix several different bars and coins in one order. Each added card shows a green badge with its quantity.
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In the Your Conversion list, adjust quantities with − / + or remove an item. Review the summary — total grams deducted, premiums (summed), and a single delivery fee for the whole shipment.
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Submit your request. Our admin team will review it and, upon approval, ship your physical gold within 3–5 business days.
You will receive a notification and tracking details once your order has been approved and dispatched. Keep an eye on your email and your Transaction History for status updates.
Conversion requests cannot be cancelled once approved. Please double-check your delivery address in your profile before submitting. Additional delivery charges may apply depending on your location.
Once your converted bar is delivered, open Transaction History and tap ✓ Confirm received on the conversion — please only do so after the gold is in your hands.
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
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Find your unique referral link in the Agent section of your dashboard.
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Share it with friends, family, or your contacts via WhatsApp, social media, or any channel you prefer.
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When someone signs up using your referral link and makes a purchase, you earn a referral bonus on every transaction they complete — automatically.
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Track your earnings, referred customers, and performance in your Agent Dashboard.
Referral Bonus Tiers
Your referral bonus rate grows with your accumulated sales — this counts both your own purchases and the purchases of the customers you refer, added up over your whole time as an agent. As your total climbs past each milestone your rate steps up on every transaction, and because it's a running total, a tier you reach is yours to keep.
Your Agent Dashboard
The Agent Dashboard gives you a complete view of your performance:
Your Agent Summary starts collapsed, so your customer count, referral bonus, rate and referral link stay hidden — handy when you're showing the platform to someone you're referring. Tap the green “Agent Dashboard / Your Agent Summary” header to expand it when you want to see your figures, and tap again to hide. Your choice is remembered on that device.
| Feature | What It Shows |
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| Referred Customers | Opens with a Referral growth chart — new referrals per month over the last 6 months, with tiles for your total referrals, new sign-ups this month, and how many have become agents. Below it is a list of all customers who signed up through your referral link; the Agent column shows a ✓ Agent badge next to any of your referrals who have become an agent themselves. |
| Referral Bonus Earned | Your commission this month, plus your Commission Wallet (see below). |
| Commission Wallet | Your referral bonus is added to your wallet after each month closes, so it accumulates instead of lots of tiny payouts. The card shows your available balance (earned − withdrawn − any pending request). You can request a payout on the 1st–7th of each month — tap Withdraw for any amount from S$20 up to your available balance; we transfer it to your saved PayNow/bank and email you once it's paid. Outside those dates the balance stays safely in your wallet until the next window. View history shows every commission credit and withdrawal. |
| Sales Summary | Opens with a Monthly performance chart — your network sales over the last 6 months, with headline tiles for this month's sales, your estimated bonus, and the 6-month total. Below it is a full list of gold purchases counting towards your sales — your own purchases plus those made by the customers you referred — with a running total. Filter by month and download a PDF report. |
| Tier Status | Your current tier and how much more in accumulated sales you need to reach the next level. |
| Compliance Training | Your AML/CFT & CDD module status. Each button shows ✓ Completed with the date once you pass, and an All cleared badge appears when both are done. |
| Agent Resources | Download the Agent Handbook (your guide to promoting the platform) and the Platform Deck (a shareable overview to send to people you refer), both as PDFs. |
Referral Bonuses are calculated on every purchase your referred customers make — not just their first. The more active your referred customers, the more you earn month after month.
Because the platform launched mid-year, your first bonus period combines June and July 2026 together — during these months your dashboard shows a “Total sales — Jun + Jul (launch)” figure covering both. From August onward it's a normal calendar month again.
Your referral bonus counts as income in Singapore, so it may be taxable — but many agents won't pay any tax on it. You only start paying income tax once your total income for the year is above S$20,000 (the first S$20,000 is taxed at 0%); above that, normal progressive rates apply. We pay you the full amount with nothing deducted, so it's up to you to declare your referral bonus to IRAS in your annual return (Form B / B1) — download your annual referral bonus statement from your Profile to keep for your records. This is general information, not tax advice; check with IRAS or a tax adviser about your own situation.
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:
| Status | Meaning |
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| Pending | Your request has been received and is awaiting payment verification or admin confirmation. |
| Completed | The transaction has been fully processed. Gold or funds have been credited/debited. |
| Failed | The transaction could not be completed (e.g. payment not received, or cancelled). Please contact support. |
Each completed transaction has a unique invoice number — GE-INV-XXXXXX for purchases, GE-PAY-XXXXXX for sellbacks, and GE-CONV-XXXXXX for conversions. Tap the invoice reference in your transaction history to download the PDF directly.
If a transaction has been showing Pending for longer than expected, screenshot the transaction details and reach out to our support team via WhatsApp or email for a quick resolution.
Your account security is important to us. Here are some simple steps to keep your gold savings protected.
If you suspect that your account has been compromised, change your password immediately and contact our support team right away. Do not wait — we can help secure your account quickly.
Consider using a password manager (such as Bitwarden or 1Password) to generate and store a unique, strong password for your Gold Evolution account.
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.
For quick answers, tap ❓ FAQs in the "Need help?" section at the bottom of your dashboard — it opens our frequently asked questions. You can return to your dashboard at any time using your device's back button.
Before you contact us, check these first:
- Payment pending? Make sure the reference shown on the PayNow screen (your GE number for gold savings) is in the PayNow remarks, and that you uploaded your payment screenshot.
- Can't log in? Try resetting your password using the "Forgot Password" link on the login page.
- "Security check failed" when signing in? A small "One quick check" box will pop up in the centre of the screen with a "verify you're human" checkbox — tap it, and sign-in continues automatically. If it keeps happening (most common on Safari/iPhone), turn off "Block All Cookies" and iCloud Private Relay / "Hide IP Address" in your iPhone Settings → Safari, or try another browser.
- Verification email missing? Check your Spam / Junk folder.