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 gold or simply looking for a simple way to buy real physical gold.
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 is a real, physical metal that people have valued for thousands of years. By buying regularly — even small amounts — you own real, tangible gold. Its price goes up and down, and we make no promises about it.
Who owns it, and where it is held. When gold is allocated to you, ownership of that gold passes to you. We keep it at a secure third-party safe-deposit facility (Certis CISCO), in Gold Evolution's name, as custodian for the customers who own it — not for our own account, and we never sell, lend or pledge it. Your grams are personal to you: they can't be transferred, gifted or assigned to another person or account. You can hold them, sell them back to us, or convert them to a physical bar. If Gold Evolution were ever to become insolvent, the value of your grams at the gold price at that point would be reimbursed in accordance with insolvency law. See Section 6 of the Terms of Service.
If we ever decide to close, we would stop taking new orders first. We would then reconcile every customer's recorded grams against the physical gold we hold, tell customers how they will be paid out, and return each customer's gold or its cash value, and only then wind down the platform.
If we ever become insolvent, the value of your grams at the gold price at that point would be reimbursed in accordance with insolvency law, as set out in Section 6 of the Terms. The Terms do not give any customer priority over other creditors, and we do not promise any timing or outcome.
How do I know Gold Evolution is legitimate, and what does being a new company mean?
You can check us yourself in a couple of minutes. We are a Registered Dealer under Singapore's Ministry of Law (PSPM Act 2019), Reg. No. PS20240000362 — look us up on the Ministry's public list. Our company number is UEN 202443296N (public company register, ACRA), and we have a Scam.SG verified business profile. Our address is 60 Paya Lebar Road #06-28, Singapore 409051.
Every gram you own is allocated to a specific bar with its own serial number (your allocation certificate shows the bar and its photograph), kept at a Certis CISCO safe-deposit facility in our name. We hold it for the customers who own it and do not sell, lend or pledge it. You can ask us for the current coverage ratio, and you can always convert to a physical bar and take delivery.
We are a young company and cannot promise how long we will operate. We are a gold dealer, not a bank, so gold is not covered by SDIC deposit insurance. We do not yet publish regular independent audit statements. See "What happens if Gold Evolution closes?" above and Section 6 of the Terms for what happens if we close or become insolvent.
Is Gold Evolution Shariah-compliant?
Our gold transactions are structured to follow AAOIFI Shariah Standard No. 57 — Gold and its Trading Controls.
Why it matters. Gold is a ribawi item. When gold is exchanged for money, the exchange must be on the spot, with immediate possession (qabd) — physical, or valid constructive possession — so that no riba arises.
The Prophet ﷺ said: “Gold for gold, silver for silver, wheat for wheat, barley for barley, dates for dates, salt for salt — like for like, equal for equal, hand to hand. If these types differ, then sell as you wish, provided it is hand to hand.” (Sahih Muslim 1587)
How we apply it:
- Payment on the spot. Each purchase is paid in full by PayNow or debit card when you buy. No credit, and credit cards are declined.
- Possession (qabd). Once your payment is confirmed, your grams are allocated to your account and tied to specific physical bar serial numbers.
- Clear ownership. Your account records exactly how many grams are yours, and you can ask which bar(s) hold them. Your gold is not pooled without traceability.
- Your rights. You can sell your gold back to us at our published buyback price, or convert it into a physical bar for delivery.
- Physical gold only. 999.9 gold. No paper gold, ETFs, derivatives, leverage or interest.
Independent Shariah review: in the pipeline. Our structure has not yet been certified by an independent Shariah board. We are working towards it and will announce it in the app and to all customers when it is done. For questions, email hello@goldevolutionsg.com.
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, nationality, occupation, a Politically Exposed Person (PEP) declaration (tap the i beside it for what it means), 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, source of income, nationality, occupation and the PEP question — then tap Save. If any of these are missing when you try to buy or sell, the app takes you to your Profile with the form open. 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. At the top you always see the live gold price, your gold balance and two buttons — Buy gold (gold) and Sell gold (green). Underneath, three tabs keep the page tidy: Overview (the value of your gold, buying or converting to physical gold, the price chart and your recent transactions — plus your Agent dashboard if you are an agent), Savings (your allocated bars, Family Savings and Savings Goals) and Explore (Sell your physical gold, the Zakat calculator and, if you are not yet an agent, Become an agent). The Zakat calculator has two inputs: additional gold not intended for use (added to your Gold Evolution balance and checked against the 86 g nisab) and the weight of a single piece of jewellery you wear (checked against the 860 g uruf). Under the calculator, tap “Gold for use vs gold not for use” to read how zakat on gold differs for gold bars and bullion (86 g nisab) and for jewellery you wear (860 g uruf), with short examples and the 2011 Fatwa points.
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. Grams are always shown to 4 decimal places, rounded down (for example 1.25465 g is recorded as 1.2546 g); if you enter grams, the amount to pay is rounded up to the nearest cent so you receive exactly the grams you typed.
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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, and a QR code that already contains that amount and your order number. Open your banking app, scan the QR, and the amount and order number fill in for you. You can still edit the amount in your app, so check that it matches the amount shown before you pay.
If your banking app can't read the QR, tap “Can't scan this QR? Use the standard QR” under it. The standard QR (or the UEN below) does not fill in the amount: type the exact amount yourself — tap 📋 Copy and paste it so you never have to re-type the cents — and enter your GE number as the payment remarks (recommended — it helps us match your payment, but approval does not depend on it).
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Three steps to finish: (1) pay the exact amount in your bank app; (2) come back and upload a screenshot of your PayNow confirmation; (3) tap ✅ I've Made Payment. Your order is not confirmed until you tap it. The receipt box and the button stay fixed at the bottom of the screen, so you do not have to scroll to find them; the button is grey until a receipt is attached, then turns green. When you come back from your bank app the screen reminds you, and if you press Close before tapping it the app asks you first.
After transferring, tap I've Made Payment and upload a screenshot of your PayNow confirmation. Your order is created when the PayNow screen opens (it shows as pending) and is screened when you upload the screenshot. If you close the screen and never pay, nothing is charged, and an unpaid order with no screenshot is cancelled automatically after a few hours.
Please upload the screenshot from this specific payment. Each order needs its own PayNow transfer, and a receipt — or a payment (bank transaction reference) — that has already been used for another order will be automatically declined. For the fastest approval, upload a clear, full screenshot that shows the amount and the bank's transaction reference number (the date and time help too, but if your bank puts the time at the top of a long receipt and the reference at the bottom, the reference is the one to make sure is visible) — and add your GE number in the comment/remarks, as the PayNow screen suggests (recommended, but approval does not depend on it). If the reference can't be read, a date or time that is shown doesn't fit your order, or the amount doesn't match, your order simply goes to our team for a manual check (usually within 1 hour).
If your receipt shows your order number (GE-TXN-…) — it fills in automatically when you scan the QR — that also counts as the reference, even if your bank's receipt has no long transaction reference number or no time.
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 within 1 hour.
If your screenshot is declined. If the screenshot is clearly not a PayNow payment to Gold Evolution, or the payment has already been used for another order, the order is cancelled automatically and you are told on screen and by email. If you have not paid, nothing is charged — you can place a new order. If you have paid, please do not pay again: WhatsApp us on +65 8335 8410 with your receipt and the order reference and we will check it manually.
Your order is created when the PayNow screen opens, but it can only be confirmed once you tap I've Made Payment and upload the screenshot. Make the PayNow transfer (scan the QR so the amount and order number are filled in, or type the exact amount and your GE number yourself), then upload the payment screenshot in the app. Without the screenshot upload, your payment cannot be verified, and an unpaid order is cancelled automatically after a few hours — if you have paid and your order was cancelled, WhatsApp us on +65 8335 8410 with your receipt and we will check it.
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 — the same amount buys gold every month, and you can cancel anytime from your profile (to change the amount, cancel and set up a new plan). Your profile shows the plan, its next deduction date and the amount; the date comes from our payment provider, so it may take a moment to appear. The monthly deduction falls on the same date as your first payment (made when you set the plan up), so if you can, set up on a day from the 1st to the 28th — not every month has a 29th, 30th or 31st. The set-up screen tells you the date before you confirm.
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 set gold aside for your kids? Add each child from the Children section of the Family Savings card on the Savings tab of 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. Setting gold aside this way is only a label inside your own account — it is not a transfer, and the child or parent does not own it; grams can never be moved to another person's account. For the same reason, an assignment does not by itself pass the gold to anyone if you pass away; see the FAQ on our website, “If I assign gold to my family, does it stay with them when I pass away?”
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 Parents section of the same Family 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 card on the Savings tab of 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.)
Keep your dashboard tidy. Tap the title of Family Savings, My Savings Goals, Your allocated bars or Recent transactions to fold it down to a single line — it then shows a short summary such as “2 children · 1 parent”, “3 goals”, “3 bars” or “Last: bought gold, 28 Sep” — and tap again to open it. Your allocated bars start folded; the others start open. Your choice is remembered on that device. The + New goal button stays available even while My Savings Goals is folded.
Your allocation certificates. Open Your allocated bars on the Savings tab and tap a bar. Under Certificates every allocation has two buttons: Certificate opens a PDF allocation certificate with the certificate number, the grams allocated to you, the bar serial and the bar’s photograph from our inventory record (if a photo is not on file it says so); Invoice opens the invoice for that purchase. If a button does nothing, allow pop-ups for this site, or try again.
As a birthday treat, you may receive a fixed amount of gold on us during your birthday month. If you don't use it that month, you still have until 30 days after your birthday to redeem it — the exact expiry date is shown on your Happy Birthday banner. When you're eligible, that green 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. (If you make a one-time purchase while on a monthly plan, the Buy screen shows a short note reminding you the voucher is applied automatically on your savings payment instead — so it won't come off that one-time purchase.)
- 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 recorded to your account, 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. The spread is a single difference between two prices we show you before every purchase, not a recurring fee.
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, open the Explore tab and tap Sell your physical gold.
Enter a description of the item (e.g. "PAMP Suisse 50g bar"), its weight in grams, and attach one or more clear photos (select them all at once — front, back, hallmark, certificate).
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.
Clear, well-lit photos of the actual item — several angles, plus its assay certificate if it has one — help us confirm your payout faster. This is completely separate from your fractional savings balance — it doesn't touch your saved grams. Please photograph only the item — anything else in the picture, such as a background, a document or a name, reaches us too. From 4 November 2026, if we buy your item and later list it in our online shop, we may use one of your photos of it as the product photo; we choose it by hand and do not show your name or account details with it (see the Privacy Policy).
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, tap it to open its details. If it has more than one photo, swipe the image left and right to see every angle. Then 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 (recommended), 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.
Gold savings and physical bars are priced separately. Savings buy gold by the gram at our daily gold price; each bar in the catalogue has its own price for that size. So a bar's price per gram can be higher or lower than the savings price, depending on the bar size, and it moves with the gold price. To compare fairly, divide the bar's total price by its weight in grams.
Think of it this way: savings are for the long run — build up gold steadily from as little as S$50 — while a physical bar is an upfront purchase for when you want to pay for and hold a whole bar now. You can also convert your saved grams into a physical bar later; the premium and delivery fee are shown before you submit.
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.
Need more than one? On a pre-order screen use the − / + buttons next to Quantity (up to 10 of the same item per order, and up to the S$20,000 single-order limit). The weight and total update as you change it. Several pre-ordered items are paid in one payment, by PayNow or debit card.
Mixing in-stock and pre-order items. Tap + Add pre-order to cart on an out-of-stock bar and it goes into your cart next to in-stock bars, tagged Pre-order — you pay once, by PayNow or debit card. The pre-order items follow the agency arrangement above (the cart reminds you before you pay); the in-stock items are an ordinary purchase. Because we procure the pre-ordered items first (usually within 1 business day of your payment clearing), your whole order is delivered together afterwards. Up to 10 of the same pre-order item, and up to S$20,000 for the whole cart. If an item goes out of stock (or comes back in stock) while you are checking out, we tell you and update your cart before you pay — nothing is charged.
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.
Before you pay, choose “I will collect it myself — Simei” under How would you like to receive it? (on the bar screen and in the cart). There is no delivery fee for collection. Once your order is ready we WhatsApp you the address and a time slot; collection is by appointment only. Only you, the account holder, can collect it — please bring your NRIC/FIN and your order reference; we cannot hand the gold to anyone else, even with a message or a copy of your ID. Our team records the handover, so there is no “Confirm received” button on a collection order: its row in Transaction History shows the collection note, then ✓ Collected.
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 the Overview tab of your dashboard, tap 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. Under the summary you can choose “I will collect it myself — Simei” instead of delivery: the delivery fee then becomes S$0 and you pay only the premium. Collection is by appointment (we WhatsApp you the address and a time) and only you, the account holder, can collect, with your NRIC/FIN.
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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.
They pay for different things, and you never pay the markup twice. When you buy gold, our price is the live gold price plus a markup (currently 14%); selling back pays currently 91% of our selling price, so buying and selling straight back costs the gap between the two prices, not the full 14%. Converting to a physical bar deducts your grams and adds a premium for each bar (which covers making the bar as a physical product) and one delivery fee for the whole request, both shown before you confirm. If you would rather not pay them, you can sell back instead or keep the gold in your account.
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. (If you chose to collect it yourself, our team records the handover instead and the row shows ✓ Collected.)
Gold Evolution gives every customer the opportunity to earn extra income by sharing the platform with others. Anyone can become an agent — it starts with a one-time Agent Package, a purchase of 5 grams of gold (as gold savings or as a 5 g gold bar) for which any refund request is considered case by case, and there are no minimum targets. When you apply, you'll be asked to read and agree to the Agent Agreement before your application is submitted. If you're already an agent, you'll see a one-time prompt in your Agent dashboard card to review and accept it.
How It Works
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Find your unique referral link in the Agent dashboard card on the Overview tab 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.
Jul–Dec 2026: under S$12,500
Jul–Dec 2026: S$12,500+
Jul–Dec 2026: S$25,000+
For the period 1 July – 31 December 2026, the targets are half the standard ones: Captain at S$12,500 and Chief at S$25,000 in sales. They count your own purchases plus those of the customers you refer, made between 1 July and 31 December 2026 (or from the day you became an agent, if that is later). The rates stay the same — 1.0%, 1.5% and 2.0%. Your Agent Dashboard shows your progress against these targets and the period they apply to.
Your tier in 2027. From 1 January 2027 the standard targets apply again, counted on all your sales since you became an agent. Your tier is at least one tier below the tier you reach by 31 December 2026 (Chief to Captain, Captain to Starter), and it rises if your accumulated sales reach a higher standard target. Your annual Referral Bonus Statement shows the rate that applied in each month.
Your Agent Dashboard
The Agent Dashboard gives you a complete view of your performance:
Every section folds. Tap the title of any section in the Agent dashboard card (At a glance, Commission wallet, Sales and tier, Your referral link, Demo for prospects, My referrals and sales, Recognition, Compliance Training, Agent Resources, and the tax note) to fold or open it; use the small Collapse all / Expand all link above them to do all at once. Your choices are remembered on that phone or browser.
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 “Agent dashboard / Your agent summary” header to expand it when you want to see your figures, and tap again to hide. It is collapsed every time you open the app and closes itself again whenever you leave the app, so it can't be left open by mistake — you won't have to remember to hide it before you go live.
Under your referral link, the Demo for prospects box has a link to a click-through demo of the app. It runs on sample data — a sample account with sample purchases, a sell-back, a physical bar, a family member, a goal and a sample gold bar, shown next to our real gold bar catalogue and conversion bars with their photos — so nothing is real, nothing is saved and no payment is ever taken; the live figures are today's gold price and the catalogue. The sample invoice and allocation certificate can be opened to show what a customer gets, but every page is stamped SAMPLE · DEMO — they are not real documents. Tap Open demo to show it on your phone, or Copy demo link to send it. If your prospect taps Sign up in the demo, they go to sign-up with your referral code already filled in. Use it to show how the app works — do not give advice or promise anything.
| Feature | What It Shows |
|---|---|
| Referred Customers | Opens with a Referral activity 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. Use Sort by above the list to order it by date joined (newest first by default), GE number, full name, agent, email or mobile, and the arrow button next to it to reverse the order; you can also tap a column heading to sort by it, and tap it again to reverse. Customers with no email or mobile number are always shown last. On a computer, when the list is long (or too wide for the normal column) the screen uses the whole width of your window so you can see every column without swiping sideways. |
| 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 wallet counts referral bonus from September 2026 onward; earlier months were paid to you directly. 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, with a payment advice (PDF) attached for your records (your PayNow number / account number is shown with only its last 4 characters). 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. |
| Recognition | Your level, how close you are to the next one, your badges, and your certificates and posters. This card is private to you. |
| 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.
Recognition & Certificates
The Recognition card on your Agent Dashboard shows your level for this calendar month so far, based on the customers you introduced who bought this month and the sales those customers made. It also shows how many days are left in the month and the level you reached last month. The figures are listed one per line: your position, customers who bought, and sales counted. There are four levels: Active (1 or more customers who bought), Silver (3 or more customers and S$500 in counted sales), Gold (10 or more and S$2,000) and Platinum (20 or more and S$6,000). Each customer counts up to S$1,000 a month towards the sales figure, and customers who are themselves agents are not counted. You also see a private position band such as "Top 25%", never anyone else's numbers. Recognition does not change your referral bonus rate or amount.
Quarter streak. Under “Next level” the card shows the three months of the current quarter (for example October, November, December) as small tiles, with the level you reached in each finished month and your level so far in the current one. A streak means holding the same level, or a higher one, in all 3 months of the quarter, so your lowest month sets your streak (for example Platinum, Gold and Silver is a Silver streak; a month with no level, or only Active, means no streak at Silver or above). As a thank-you for the quarter, a Silver streak earns S$25, a Gold streak S$50 and a Platinum streak S$100; an Active-level streak is not rewarded. The card tells you which streak you are on track for if you keep that level or higher until the end of the quarter, and what the next one needs; a streak counts as earned only once the last month of the quarter has ended and its certificate is issued, and in the first month of the next quarter the card shows last quarter’s result. For Q4 2026 there is a one-page info sheet (PDF) you can open from the card. The reward is paid after the quarter’s certificates have been issued, to agents in good standing, at Gold Evolution’s discretion. It is not a promise of earnings, it does not change your referral bonus, and the rules may change with notice.
Badges show First customer, Training completed and Agreement up to date. After each month ends, Gold Evolution issues a certificate to every agent who reached a level and is in good standing, meaning the current Agent Agreement is accepted and both training modules are complete. The first certificates are for November 2026, issued in early December 2026. Tap Certificate to download it as a PDF, or Poster to get a picture you can post. They show only your level and the month, never amounts.
Certificates and posters made here are approved for use exactly as they are, so please don't change their wording. Your poster carries your referral code (your GE number, the code your customers enter when they sign up under you). A certificate is a recognition from Gold Evolution, not a licence or a promise of earnings.
Your photo on the poster (optional). On the Recognition card, tap Add photo under “Your photo for posters” and choose a picture of yourself. The app crops it to a square and shows it as a large portrait at the top of the posters you make there, fading softly into the background, with your level and name below it. A photo with a plain background looks best. Your photo stays on your phone — it is not uploaded to Gold Evolution — so if you use another phone or browser you add it again there. Tap Change or Remove at any time. The photo appears on the poster only, not on the certificates. If you share a poster with your photo, you are choosing to share your own picture.
Compliance Training
Please 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. Completing both, together with a current Agent Agreement, is also what makes you eligible for a monthly recognition certificate.
Once you pass, that module shows ✓ Completed with the date, and when both are done you'll see an All cleared badge and a Training certificate row in the Recognition card: tap Certificate to download your Certificate of Completion as a PDF. It is an internal training record from Gold Evolution (not a regulatory qualification), and it shows the date you completed both modules and a certificate number. 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.
On the Overview tab of your dashboard, Recent transactions shows your latest 5 completed transactions so the page stays uncluttered. Tap Show more at the bottom to load the next 5 — and keep tapping to go further back. The button disappears once you've reached your oldest transaction.
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 |
|---|---|
| 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. The invoice is billed to your full registered name. If a purchase was saved for a family member (Family Savings), the invoice names them as Beneficiary (parent) or Beneficiary (child), matching how you added them.
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, 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. Use the 🔍 search box at the top of the FAQ to find an answer by keyword (for example price or delivery); it searches both the questions and the answers. 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 you uploaded your payment screenshot, and that it is clear and shows the amount and the bank's transaction reference number (and the date and time if your bank shows them at the top) — if the reference or amount can't be read, your order goes to our team for a manual check (usually within 1 hour). Adding your GE number in the PayNow remarks also helps us match your payment.
- 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. If the box itself does not appear, a help line shows under it after a few seconds with these same steps and a WhatsApp link, so we can help you register. On an iPhone (Safari), a bar at the top also offers Open in Chrome (or Copy link to open it in another browser) — you will need to fill in the form again in the new browser.
- Tapped Sign in with fingerprint and the phone says “No passkeys available” (or the app says fingerprint sign-in did not complete)? Fingerprint login is saved on the phone and browser where it was turned on. If it was turned on in another phone, another browser, or under another Google account, this phone has no passkey for Gold Evolution. Sign in with your password, then go to Profile → Fingerprint Login and tap Enable fingerprint login on this device. You can have it on several phones. If you only cancelled the prompt, tap the button and try again.
- Signed out with “your account was opened on another device”? For your safety only one session can be open at a time. Opening your account on another phone or computer — or on the same phone in a second browser tab, or in the Home Screen app as well as the browser — signs the earlier one out, and signing in with Face ID / fingerprint on one of them signs the others out straight away. If you only use one phone, close the other tabs and use either the Home Screen app or the browser. Signing in needs your email code (or your own Face ID / fingerprint), so nobody can get in with just your password. If it was not you, use Forgot password? to set a new password and WhatsApp us on +65 8335 8410.
- Left Gold Evolution to pay in your bank app and, on coming back, the receipt upload screen has gone? Your order is not lost. Phones sometimes reload a page you have been away from. If it reloads within about 30 minutes of opening the PayNow screen, you stay signed in and the upload screen opens again by itself. If you were away longer, you are signed out for your security and the Sign in screen tells you which order is waiting — sign in and the upload screen opens again. You can also tap the “Tap here to upload your PayNow receipt” banner on your dashboard. To be safe, take the payment screenshot before you switch back, and upload it as soon as you return.
- Signed out with just “You were signed out. Please sign in again.”? That means your login ended but we cannot tell that another device was the cause — for example the phone was offline or asleep for a long time, or you opened Gold Evolution in a second window of the same browser. Sign in again. If it keeps happening, WhatsApp us on +65 8335 8410 and tell us which phone you use and whether you open Gold Evolution from the Home Screen icon, Chrome / Safari, or a link in WhatsApp.
- Verification email missing? Check your Spam / Junk folder.
- Balance or price looks out of date? Pull down from the top of the dashboard and let go (you'll see "Pull to refresh", then "Release to refresh"). It reloads your balance, the price and your latest transactions without logging you out. The dashboard also refreshes itself when you come back to the app after a minute or more.
- A green bar at the top says "A new version of Gold Evolution is ready"? We've updated the app. Tap Refresh when you're ready (not in the middle of a payment) to see the latest screens and figures; it never refreshes by itself.