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.
Step 2: Enter the required details in the ‘Registration’ Form.
Fields
Description
First Name
Enter your legal given name as it appears in your photo ID document
Last Name
Provide your legal family name or surname as it appears in your photo ID document
Email Address
Enter a valid email address that will be used for communication, notifications, and Treem account verification
Phone Number
Input a contact number, including the country code if applicable, to receive updates or verification messages
Password
Create a strong and secure password for your account, adhering to any specified requirements (e.g., minimum length, use of special characters)
Re-type Password
Confirm your password by re-entering it to ensure accuracy and match with the original entry
Review and Tick the Terms of Service and Privacy Policy checkbox to confirm your agreement with the Treem.
Step 3: Click the ‘Sign Up’ button to proceed.
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.
Step 2: Click the ‘Login’ button to access the platform.
Step 3: After logging into the platform you will be redirected to Treem’s dashboard page.
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:
"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
"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:
Navigate to Settings → Investor Profile
Click Edit Profile
Update any section
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:
Navigate to Settings → Verification
Click Start KYC Verification
Upload required documents
Submit for review
Wait for verification (typically 1-3 business days)
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:
Navigate to Settings → Wallets
Click Connect Wallet
Choose your wallet provider
Approve connection in wallet app
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
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