# Investor Registration & Onboarding

This onboarding section will guide you through the sign-up and sign-in processes for accessing your Treem Finance account. The steps are straightforward, and by the end, you'll be ready to start using the platform.

### 10.1 Creating an Investor Account

**Step 1**: Visit the Treem platform at <https://treem.io> or follow the link provided and click the ‘**Sign Up**’ button to create a new account.

<figure><img src="https://3251152979-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FVL8CAgx7Wn5NcwXRT6zC%2Fuploads%2F7eOXWfLZuop5IhGdWG2f%2Fsignup-and-login1.png?alt=media&#x26;token=957ba75e-c24c-4730-aac4-f33c115b0969" alt="" width="413"><figcaption></figcaption></figure>

**Step 2**: Enter the required details in the ‘**Registration**’ Form.

<table data-header-hidden><thead><tr><th width="192">Fields</th><th>Description</th></tr></thead><tbody><tr><td><strong>Fields</strong></td><td><strong>Description</strong></td></tr><tr><td>First Name</td><td>Enter your legal given name as it appears in your photo ID document </td></tr><tr><td>Last Name</td><td>Provide your legal family name or surname as it appears in your photo ID document</td></tr><tr><td>Email Address</td><td>Enter a valid email address that will be used for communication, notifications, and Treem account verification</td></tr><tr><td>Phone Number</td><td>Input a contact number, including the country code if applicable, to receive updates or verification messages</td></tr><tr><td>Password</td><td>Create a strong and secure password for your account, adhering to any specified requirements (e.g., minimum length, use of special characters)</td></tr><tr><td>Re-type Password</td><td>Confirm your password by re-entering it to ensure accuracy and match with the original entry</td></tr></tbody></table>

Review and Tick the **Terms of Service** and **Privacy Policy** checkbox to confirm your agreement with the Treem.

<figure><img src="https://3251152979-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FVL8CAgx7Wn5NcwXRT6zC%2Fuploads%2FHt7tQuGPKwnOAYDBkMEM%2Fsignup2%20bc.png?alt=media&#x26;token=1976d516-1a25-4e65-8982-9c9aed2e0b32" alt="" width="486"><figcaption></figcaption></figure>

**Step 3**: Click the ‘**Sign Up**’ button to proceed.

<figure><img src="https://3251152979-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FVL8CAgx7Wn5NcwXRT6zC%2Fuploads%2FYuMoAmWomcprGJFMUYjI%2Fsignup2%20c.png?alt=media&#x26;token=829d6f3d-bb8c-4a2d-86e2-02c87839bacd" alt="" width="486"><figcaption></figcaption></figure>

Your Treem Finance account has been successfully created.

## Sign In

**Step 1**: Visit the Treem platform's login screen and enter your **Email Address** and **Password** in the appropriate fields.

<figure><img src="https://3251152979-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FVL8CAgx7Wn5NcwXRT6zC%2Fuploads%2Ft4QUkS7JMYH7SYqms7VX%2Fsignup-and-login%20a.png?alt=media&#x26;token=2932dc5b-7243-4256-83fc-fc07c8ec984d" alt="" width="417"><figcaption></figcaption></figure>

<br>

**Step 2**: Click the ‘**Login**’ button to access the platform.

<figure><img src="https://3251152979-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FVL8CAgx7Wn5NcwXRT6zC%2Fuploads%2FvWRALOtJ0wloZa6Y0KyK%2Fsignup-and-login3.png?alt=media&#x26;token=9de6d296-5c76-4f51-af76-40c67ddefebc" alt="" width="406"><figcaption></figcaption></figure>

**Step 3**: After logging into the platform you will be redirected to Treem’s **dashboard** page.

<figure><img src="https://3251152979-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FVL8CAgx7Wn5NcwXRT6zC%2Fuploads%2FbBwWpAWTxw5jpPPWtahK%2Flandingpage-after-login.png?alt=media&#x26;token=670a4883-4c21-4f68-b0dd-295e898de038" alt="" width="563"><figcaption></figcaption></figure>

#### 10.2 Investor Discovery Questionnaire

After creating your account, you'll be prompted to complete the **Investor Discovery** process. This comprehensive questionnaire helps:

* Assess your investment profile
* Determine suitability for tokenized assets
* Personalize project recommendations
* Ensure regulatory compliance

**The questionnaire consists of 9 steps:**

**Step 1: Welcome & Introduction**

* Overview of the discovery process
* Explanation of why this information is needed
* Estimated time to complete (15-20 minutes)
* Option to save progress and return later

**Step 2: Personal Profile**

* **Full Name**: Legal name as it appears on government ID
* **Date of Birth**: Must be 18+ to invest
* **Marital Status**: Single, Married, Divorced, Widowed
* **Number of Dependents**: Financial obligation consideration
* **Employment Status**:
  * Employed full-time
  * Employed part-time
  * Self-employed
  * Retired
  * Unemployed
  * Student

**Step 3: Financial Snapshot**

* **Annual Income**: Gross annual income in USD
  * Less than $50,000
  * $50,000 - $100,000
  * $100,000 - $200,000
  * $200,000 - $500,000
  * $500,000+
* **Monthly Expenses**: Average monthly expenses
* **Total Assets**: Sum of all assets (real estate, investments, cash, etc.)
* **Total Liabilities**: Sum of all debts (mortgage, loans, credit cards, etc.)
* **Net Worth**: Automatically calculated (Assets - Liabilities)

**Step 4: Investment Experience**

* **Years of Investment Experience**:
  * None (new investor)
  * 1-3 years
  * 3-5 years
  * 5-10 years
  * 10+ years
* **Familiar Asset Classes**: Select all that apply
  * Stocks/Equities
  * Bonds/Fixed Income
  * Real Estate
  * Cryptocurrencies
  * Commodities
  * Private Equity
  * Venture Capital
* **Past Investments**: Types of investments you've made
  * Public stocks
  * Real estate (direct ownership)
  * REITs
  * Crowdfunding
  * Angel investing
  * Cryptocurrencies
  * None yet

**Step 5: Investment Objectives**

* **Primary Investment Goal**:
  * Capital preservation
  * Income generation
  * Balanced growth
  * Aggressive growth
  * Speculation
* **Target Investment Amount**: How much you plan to invest in tokenized assets
  * $5,000 - $25,000
  * $25,000 - $100,000
  * $100,000 - $500,000
  * $500,000+
* **Target Timeframe**: By when do you plan to invest this amount?
  * Within 3 months
  * 3-6 months
  * 6-12 months
  * 12+ months

**Step 6: Risk Tolerance Assessment**

Interactive questionnaire with 5-7 scenario-based questions:

**Example Questions:**

1. "If your investment declined 20% in value in the first year, you would:"
   * Sell immediately to prevent further losses
   * Sell some to reduce exposure
   * Hold and wait for recovery
   * Buy more at the lower price
2. "Which statement best describes your risk tolerance?"
   * I cannot accept any loss of principal
   * I can accept minimal losses for stable returns
   * I can accept moderate losses for better returns
   * I can accept significant losses for high growth potential

**Risk Score Calculation:**

* Based on your answers, a risk score is calculated (1-10)
* Score determines suitable investment types
* 1-3: Conservative (low-risk assets)
* 4-6: Moderate (balanced risk/reward)
* 7-10: Aggressive (high-risk, high-reward)

**Step 7: Liquidity & Time Horizon**

* **Preferred Liquidity**:
  * Highly liquid (can sell anytime)
  * Moderately liquid (can sell within weeks)
  * Low liquidity acceptable (locked for months)
  * Illiquid acceptable (locked for years)
* **Investment Horizon**: How long can you keep funds invested?
  * Short-term (< 1 year)
  * Medium-term (1-3 years)
  * Long-term (3-5 years)
  * Very long-term (5+ years)
* **Emergency Fund**: Do you have 3-6 months of expenses saved separately?
  * Yes, fully funded
  * Partially funded
  * No emergency fund

**Step 8: Tax & Compliance**

* **Tax Residency**: Country of tax residence
* **Are you a U.S. Person?**: Yes/No (for FATCA compliance)
* **Accredited Investor Status**:
  * Yes, I qualify as accredited
  * No, I do not qualify
  * Unsure (will verify later)

**Accredited Investor Criteria (U.S.):**

* Income: $200K+ individual or $300K+ joint for last 2 years
* Net Worth: $1M+ excluding primary residence
* Professional Certifications: Series 7, 65, or 82 licenses

**Step 9: Summary & Confirmation**

* Review all your answers
* Edit any section if needed
* Confirm information accuracy
* Submit investor profile

**After Submission:**

* Profile is saved to your account
* You receive a risk profile summary
* Projects are recommended based on your profile
* You can browse all projects but may see suitability warnings

#### 10.3 Editing Your Investor Profile

You can update your investor profile at any time:

1. Navigate to **Settings → Investor Profile**
2. Click **Edit Profile**
3. Update any section
4. Click **Save Changes**

**When to Update:**

* Significant change in financial situation
* Change in investment objectives
* Change in employment status
* Annual review (recommended)

#### 10.4 KYC (Know Your Customer) Requirements

To invest in projects, you must complete KYC verification:

**Required Documents:**

* **Government-issued Photo ID**:
  * Passport, or
  * Driver's license, or
  * National ID card
* **Proof of Address** (issued within last 3 months):
  * Utility bill
  * Bank statement
  * Tax document
  * Lease agreement

**KYC Verification Process:**

1. Navigate to **Settings → Verification**
2. Click **Start KYC Verification**
3. Upload required documents
4. Submit for review
5. Wait for verification (typically 1-3 business days)
6. Receive approval or request for additional documentation

**KYC Status Levels:**

* **Unverified**: Cannot invest
* **Pending**: Under review, cannot invest yet
* **Verified**: Can invest up to certain limits
* **Fully Verified**: Can invest without restrictions

#### 10.5 Accredited Investor Verification

Some projects are only available to accredited investors. To verify:

**Option 1: Income Verification**

* Upload last 2 years of tax returns
* Provide W-2s or 1099s
* Submit through secure portal

**Option 2: Net Worth Verification**

* Provide recent bank statements
* Real estate appraisals
* Investment account statements
* Debt documentation
* Third-party verification service

**Option 3: Professional Certification**

* Upload FINRA license (Series 7, 65, or 82)
* Professional verification

**Verification Timeline:**

* Manual review: 3-5 business days
* Third-party service: 1-2 business days

#### 10.6 Linking Your Wallet

To receive tokens, link a compatible cryptocurrency wallet:

**Supported Wallets:**

* MetaMask
* WalletConnect
* Coinbase Wallet
* Ledger (hardware wallet)
* Trust Wallet

**How to Link:**

1. Navigate to **Settings → Wallets**
2. Click **Connect Wallet**
3. Choose your wallet provider
4. Approve connection in wallet app
5. Wallet address is saved to your profile

**Security Best Practices:**

* Use a hardware wallet for large investments
* Never share your private keys
* Keep backup of recovery phrase
* Enable 2FA on wallet if available