# How It Works: Deposit USDT, Invest & Withdraw Step by step: create an account, deposit USDT on BNB Chain, invest in an index fund from $10, verify holdings on-chain, then sell and withdraw USDT. Zayd Ahmed Founder & CEO, Wealtii Computer Science Engineer | 5+ Years in DeFi & Digital Assets 📑 Table of Contents Welcome to the Wealtii Platform Guide This guide covers creating your account, depositing USDT, investing in index funds, managing your portfolio and withdrawing. Fund target weights are on our [methodology page](https://wealtii.com/methodology), and you can check the vault holdings on our [transparency page](https://wealtii.com/transparency). Wealtii is not regulated; see our [regulatory status](https://wealtii.com/regulatory-status).**Digital asset investments carry risk. Please read our [Risk Disclosure Statement](https://wealtii.com/risk-disclosure) before investing.** ## Welcome to Wealtii 3 subsections ### What is Wealtii? Wealtii is a digital asset index fund platform. You invest USDT in a fund, and the platform buys every holding in that fund on-chain at its target weight and holds the tokens 1:1 in a public multi-signature vault on BNB Smart Chain. Think of how stock index funds work: instead of picking individual stocks, you buy one fund that holds many of them. Wealtii applies the same idea to digital assets. There are three funds: - Wealtii Digital Asset Core Index Fund — all crypto: Bitcoin, BNB, NEAR, Ethereum, Chainlink, Cardano and Zcash - Wealtii Tech & Digital Asset Growth Fund — tokenized NVIDIA, Alphabet, Invesco QQQ and Apple (Ondo Global Markets tokens), plus TRON, Tether Gold (XAUT) and Bitcoin - Wealtii Multi-Asset Balanced Allocation Fund — tokenized SPDR S&P 500 ETF and iShares Silver Trust (Ondo Global Markets tokens), Tether Gold (XAUT), plus TRON, Bitcoin, XRP and BNB With Wealtii, you can: - Invest in any of our [Digital Asset Index Funds](https://wealtii.com/funds) from $10 - Spread one investment across crypto, tokenized stocks and ETFs, and tokenized gold and silver - Have every fund backed 1:1 by the underlying tokens, held in a vault anyone can [check on BscScan](https://wealtii.com/transparency) - Track your portfolio, performance and transactions in real time - Sell and withdraw USDT whenever you want, with no lock-up Target weights for each fund, and how they are set, are on our [methodology and factsheets page](https://wealtii.com/methodology). ### Why Choose Wealtii? What Wealtii is built around: 1:1 Asset-Backed: Your investment buys the real underlying tokens (crypto, tokenized stocks and ETFs, tokenized gold and silver). No synthetic tokens, no derivatives, no IOUs. Each fund unit is backed by tokens held in the vault for that fund. **Diversification by Design:** Each fund spreads your investment across several assets using fixed target allocations with position caps, set by our [allocation methodology](https://wealtii.com/methodology). **On-Chain Execution:** When you invest, the platform calculates the allocation and buys each holding on-chain through DEX aggregators at the best available quote. Market price impact and slippage can apply. **Multi-Signature Custody:** User fund assets are held in a Gnosis Safe 3-of-3 [multi-signature vault](https://wealtii.com/security) on BNB Smart Chain. Moving vault funds requires all three signatures, and the vault address is public. **Fees Shown Up Front:** Our [fee schedule](https://wealtii.com/fees) is public, and platform fees are shown before you confirm any transaction. During our early-adopter promotion, platform fees are 0%. **Built for Beginners and Experienced Investors:** You don't need a self-custody wallet or DEX experience to get diversified exposure. ### Important Things to Know Before you start, keep these points in mind: **This is Not Financial Advice:** Wealtii provides tools and information for educational purposes only. We do not recommend specific investments. All investment decisions are yours. Consider consulting a qualified financial adviser before investing. **Digital Assets Carry Risk:** Prices can move sharply in short periods, and you can lose part or all of the money you invest. Diversification spreads risk across assets but does not remove it. Only invest what you can afford to lose. **Our Regulatory Status:** Wealtii is currently operated by its founder, Zayd Ahmed. A formal legal entity has not yet been established; we are working towards formal company registration. Wealtii is not registered or licensed with any financial regulator and is not regulated. There is no deposit insurance or investor-compensation scheme. Read the full [regulatory status](https://wealtii.com/regulatory-status). **Your Responsibilities:** Keep your account secure and never share your password or verification codes with anyone, including people claiming to be Wealtii support. You are responsible for understanding your investments and complying with the laws where you live. **Read Our Legal Documents:** This guide works alongside our Terms of Service, Privacy Policy, Risk Disclosure Statement and AML/KYC Policy, which contain the legal terms that govern your use of the platform. **When in Doubt, Ask:** If you're unsure about a feature, a fee, a risk or whether Wealtii is right for you, open a support ticket, email support@wealtii.com or consult a professional adviser. ## Creating Your Account 2 subsections ### Registration & Setup Getting started takes a few minutes: **Step 1 - Sign Up** Visit https://wealtii.com and click "Sign Up." You'll need to provide: - Your full legal name (it must match your ID if you verify later) - A valid email address you check regularly - A unique username - A strong password - Your country of residence - Acceptance of our Terms of Service, Privacy Policy and Risk Disclosure Statement **Step 2 - Create a Strong Password** Your password must be at least 8 characters and include uppercase letters, lowercase letters, numbers and special characters. Use a password you don't use anywhere else. **Step 3 - Verify Your Email** We'll send a confirmation link to your email. Click it to activate your account. If you don't see the email, check your spam or junk folder. **Step 4 - Secure Your Sign-In** Sign-ins are verified with a one-time code sent to your email. For extra protection, turn on authenticator-app (TOTP) two-factor authentication in your security settings, so a code from your authenticator app is also needed. That's it. Your account is ready and you can start exploring the platform. ### Identity Verification (KYC) No ID documents needed to start — verify your email and invest up to $10,000. ID verification unlocks higher limits. There are three levels: **Basic Level - Email Verification** - What's needed: A verified email address (automatic after you verify it) - Limits: Deposit, buy, sell and withdraw up to $10,000 in total (lifetime) - Best for: Getting started **Intermediate Level - ID Verification** - What's needed: Identity verification with a valid government-issued ID - Limits: Up to $100,000 per day - Best for: Regular investors **Advanced Level - Enhanced Verification** - What's needed: Enhanced verification, which can include additional documents - Limits: No platform limit - Best for: Larger portfolios **How to Complete KYC** 1. Go to your Dashboard and open the KYC / Verification section 2. Select the level you want to apply for 3. Upload clear photos of the required documents 4. Submit and wait for review **Tips for Smooth Approval** - Make sure documents are clearly readable, with no blur, glare or shadows - Your name must match across all documents - Documents must not be expired - Photos should show the full document with all four corners visible You'll get an email when the review is complete. If a submission is rejected, you'll be told why and what to fix. Card on-ramp providers run their own identity checks, separate from Wealtii's levels. Our [AML/KYC policy](https://wealtii.com/aml-kyc-policy) has the full details. ## Depositing Funds 2 subsections ### How Do Deposits Work? There are two ways to fund your Wealtii account: Option 1 - Send USDT on BNB Smart Chain: Wealtii accepts USDT on BNB Smart Chain (BEP-20). USDT is a stablecoin designed to track the US dollar. You can start investing from $10. Option 2 - Buy USDT With a Card or Bank Transfer: If you don't hold crypto yet, you can buy USDT through a third-party on-ramp provider (Transak, Banxa, Onramp.money, Onramper or Alchemy Pay). Providers charge their own fees, run their own identity checks, and availability varies by country. **Your Personal Deposit Address:** When you request a deposit, the platform shows a deposit address tied to your account. USDT sent to it is detected and credited to your balance. **Important - BEP-20 Only:** Send USDT on BNB Smart Chain (BEP-20) only. Sending tokens on another network, or sending unsupported tokens, can result in permanent loss of funds. Always double-check the network before confirming. **Confirmations:** Your deposit is credited automatically after 12 network confirmations. **No Platform Deposit Fee:** Wealtii does not charge a deposit fee. The blockchain network (gas) fee, typically under $0.50 on BNB Smart Chain, goes to the network, not to us. **Deposit Address Validity:** Your deposit address stays active for a set period. If it expires, generate a new one from your Dashboard and never reuse an expired address. **Over- and Under-Payments:** If the USDT you send differs from the amount you selected beyond a small tolerance buffer, the excess or shortfall is refunded minus a 0.5% processing fee. ### Step-by-Step Deposit Guide Follow these steps to deposit USDT into your Wealtii account: **1. Log Into Your Account:** Sign in at https://wealtii.com and go to your Dashboard. 2. Click "Deposit": Choose the amount. The page shows your deposit address and the required network (BNB Smart Chain, BEP-20). **3. Copy Your Deposit Address:** Use the copy button. Never type a blockchain address by hand. **4. Open Your External Wallet:** Open the wallet or exchange where you hold USDT (for example Trust Wallet, MetaMask or an exchange account that supports BEP-20 withdrawals). **5. Send USDT on BEP-20:** Paste the deposit address, enter the amount and make sure BNB Smart Chain (BEP-20) is selected. Double-check everything before confirming. **6. Wait for Confirmations:** Once the transaction has 12 confirmations, the USDT is credited to your Wealtii balance automatically. **7. Check Your Balance:** Return to your Dashboard to confirm the deposit has been credited. You'll also get a notification. **Common Mistakes to Avoid** - Sending on the wrong network: always use BNB Smart Chain (BEP-20) - Sending unsupported tokens: only send USDT - Typing the address manually: always copy and paste - Sending to an expired deposit address: generate a fresh one **If Your Deposit Doesn't Appear** - Check the transaction on BscScan using the transaction hash from your sending wallet - Confirm you sent USDT on BNB Smart Chain (BEP-20) - If it still isn't credited after 30 minutes, open a support ticket or email support@wealtii.com with the transaction hash, the amount and the network used ## Understanding Digital Asset Index Funds 2 subsections ### What Are Index Funds? An index fund holds a basket of assets in set proportions, so one investment gives you exposure to all of them. Stock index funds, such as those tracking the S&P 500, made this approach widely used because it offers broad diversification without picking individual stocks. A digital asset index fund applies the same idea to digital assets. At Wealtii, the funds hold crypto alongside tokenized gold, tokenized silver and tokenized US stocks and ETFs. Each fund has fixed target allocations with position caps, set by our allocation methodology. Wealtii funds are not market-capitalisation weighted. See the target weights for every fund on our [methodology and factsheets page](https://wealtii.com/methodology). **Why Index Funds Can Make Sense** **Diversification:** Instead of putting all your money into one asset, you spread it across several. Diversification reduces the impact of any single asset, but it does not prevent losses when the whole market falls. **Simplicity:** No need to research dozens of tokens or monitor prices around the clock. **Fewer Emotional Decisions:** A fund follows fixed rules, so your allocation isn't driven by hype or fear. **Fewer Transactions:** Buying several assets yourself means several trades and more time. With a Wealtii fund, one order buys every holding. There is no platform fee during our early-adopter promotion; network gas fees and market price impact still apply. Index investing has been used in traditional markets since the 1970s. Results in other markets do not predict digital asset returns. ### How Does 1:1 Asset Backing Work? Wealtii funds are backed 1:1 by the tokens they hold. Here's what that means in practice: **Real Assets, Not Promises:** When you invest, Wealtii uses your USDT to buy the actual underlying tokens. These are real tokens, not paper claims, synthetic derivatives or IOUs. **Example:** If you invest $1,000 in a fund with a 40% / 60% split between two assets, the platform buys about $400 of the first and $600 of the second, before network fees and market price impact. **Step by Step** **1. You Submit an Investment:** Choose a fund and enter the amount in USDT. **2. The Allocation Is Calculated:** The platform works out how much of each holding to buy based on the fund's target weights. **3. Assets Are Bought On-Chain:** Each holding is bought through DEX aggregators at the best available quote. Slippage and price impact can apply. **4. Assets Are Held in the Vault:** The tokens are held in a Gnosis Safe 3-of-3 multi-signature vault on BNB Smart Chain. Moving vault funds requires all three signatures. Assets are not lent, staked or rehypothecated. **5. You Receive Fund Units:** Your account is credited with units representing your share of the fund. **Rebalancing:** Automated rebalancing is in development and not live yet. Today, each purchase buys every holding at its target weight, so a fund's actual weights move with market prices between purchases. **Why This Matters:** Some platforms offer "exposure" to assets without buying them. With Wealtii, the vault address is public, so anyone can check the holdings on BscScan. Our [transparency page](https://wealtii.com/transparency) explains what that check does and does not prove. You can sell your fund units at any time. When you sell, the underlying tokens are sold on-chain at the best available quote and the proceeds are credited to your USDT balance, ready to withdraw or reinvest. ## Investing in a Fund 2 subsections ### How Do I Choose a Fund? Wealtii offers three funds, each with a different mix of assets. This is general information, not a recommendation. **Browse Available Funds:** The Funds page shows each fund's holdings, target weights and key details. **What to Look At** - Fund Composition: Which assets does the fund hold? An all-crypto fund behaves differently from one that also holds tokenized stocks, gold and silver. - Target Allocation: Each Wealtii fund has fixed target weights with position caps. They are listed on every fund page and on our methodology page. - Risk: Crypto assets are typically more volatile than gold or broad stock ETFs. Tokenized assets add issuer and wrapper risks of their own. - Availability: Funds holding tokenized stocks or ETFs (Ondo Global Markets tokens) may not be available in all jurisdictions, including the United States. - Minimum Investment: $10. **The Three Funds** **[Digital Asset Core Index Fund](https://wealtii.com/funds/wealtii-digital-asset-core-index-fund):** All crypto (Bitcoin, BNB, NEAR, Ethereum, Chainlink, Cardano, Zcash). **[Tech & Digital Asset Growth Fund](https://wealtii.com/funds/wealtii-tech-digital-asset-growth-fund):** Tokenized NVIDIA, Alphabet, Invesco QQQ and Apple, plus TRON, Tether Gold and Bitcoin. **[Multi-Asset Balanced Allocation Fund](https://wealtii.com/funds/wealtii-multi-asset-balanced-allocation-fund):** Tokenized S&P 500 ETF and silver ETF, Tether Gold, plus TRON, Bitcoin, XRP and BNB. **Good to Know:** You can hold more than one fund at the same time. ### Making Your First Investment Here's the step-by-step process: **1. Make Sure You Have Funds:** You need a USDT balance in your Wealtii account. If you haven't deposited yet, see Section 3. **2. Go to the Funds Page:** Open the Funds section from your Dashboard or the main menu. **3. Select a Fund:** Review its holdings and target weights before going further. **4. Enter Your Investment Amount:** Type the USDT amount you want to invest. The platform shows: • The total amount being invested • The net amount going toward buying the fund's assets **5. Review the Details:** Check the amount, the fund and the fee breakdown. **6. Confirm Your Investment:** Click "Confirm" to submit your order. **7. Processing:** The platform calculates the allocation and buys each holding on-chain through DEX aggregators at the best available quote, then holds the tokens in the vault. **8. Portfolio Updated:** Your Dashboard shows the fund units credited to your portfolio, with a breakdown of the underlying assets. **Good to Know** - During our early-adopter promotion there are 0% platform fees on purchases, sales and withdrawals. - Orders execute at the market price available at the time of processing; slippage can apply. - You'll get a notification when your investment is complete. - Every transaction is recorded in your transaction history. - There's no lock-up period, so you can sell your fund units whenever you want. ## Managing Your Portfolio 2 subsections ### Your Dashboard Your Dashboard is the centre of your Wealtii account: **Portfolio Overview:** Your total portfolio value, USDT balance and overall performance. Values update as market prices move. **Your Holdings:** For each fund you hold: • Fund name and current value • Number of units held • Gain or loss (in dollars and percent) • Breakdown of the underlying assets **Quick Actions:** • Deposit funds into your account • Invest in a new fund or add to existing positions • Sell fund holdings back to USDT • Withdraw USDT to your external wallet **Transaction History:** A searchable record of deposits, investments, sales, withdrawals and fees, with the date, type, amount and status of each. **Account Status:** Your verification level, security settings and any pending actions. ### Tracking Performance Wealtii shows how your investments are doing: **Live Valuations:** Your portfolio value updates with live market prices. **Fund Performance:** Each fund shows its performance over time. Multi-year return figures shown for a fund are hypothetical backtests of its current allocation, not actual fund performance. Past performance does not guarantee future results. **Individual Assets:** See how each underlying asset in a fund is performing. **Transaction Records:** Every transaction is recorded with its date, amount, fees and status, and records can be downloaded for your own accounting. **Tips** - Check In Periodically: You don't need to watch prices every minute, but reviewing your portfolio from time to time keeps you informed. - Expect Volatility: Digital asset prices can fall sharply, and there is no guarantee they will recover. - Diversify Across Funds: Holding funds with different asset mixes spreads risk further. - Keep Records: Download your transaction history for tax reporting, and keep your own records too. ## Fees & Costs 1 subsection ### What Fees Does Wealtii Charge? During our early-adopter promotion, Wealtii charges 0% platform fees on purchases, sales and withdrawals. Here is the full picture: **Deposits:** No platform fee. The blockchain network (gas) fee goes to the network, not to us. **Buying Fund Units:** 0% platform fee during the promotion. Example: invest $1,000 and the full $1,000 goes toward buying the fund's assets, before network fees and market price impact. **Selling Fund Units:** 0% platform fee during the promotion. The sale proceeds are credited to your USDT balance. **Withdrawing USDT:** 0% platform fee during the promotion. **Deposit Over- or Under-Payments:** If the USDT you send differs from the amount you selected beyond the tolerance buffer, the excess or shortfall is refunded minus a 0.5% processing fee. **Network (Gas) Fees:** Blockchain network fees apply, typically under $0.50 on BNB Smart Chain. **Market Price Impact:** Purchases and sales are executed on-chain through DEX aggregators at the best available quote. DEX liquidity providers' swap fees, price impact and slippage are part of the execution price and do not go to Wealtii. **Third-Party On-Ramps:** If you buy USDT with a card or bank transfer, the provider charges its own fees. **What We Do Not Charge** - No management fee - No performance fee - No lock-up - No exit penalty If platform fees are ever introduced or changed, we will give at least 30 days' advance notice, and changes will never be retroactive. The complete schedule is on our [fees page](https://wealtii.com/fees). ## Security & Protection 2 subsections ### How Are My Assets Protected? Here's how Wealtii protects your assets and data, and what it does not cover: **Multi-Signature Custody:** User fund assets are held 1:1 in a Gnosis Safe 3-of-3 multi-signature vault on BNB Smart Chain. Moving vault funds requires all three signatures. The vault address is public, so you can [check its holdings yourself](https://wealtii.com/transparency). **No Lending or Staking:** Assets are not lent, staked or rehypothecated, and Wealtii does not earn yield on user assets. **Encrypted Data:** Personal data is encrypted in transit and at rest. **Password Storage:** We never store your actual password, only a cryptographic hash of it. **Two-Factor Authentication:** Authenticator-app (TOTP) 2FA is available, and sign-ins are verified with a one-time code sent to your email. **Session Security:** The platform enforces a single active session per account, so signing in on another device ends your existing session. **Failed Login Protection:** Repeated failed login attempts trigger protective measures against brute-force attacks. **What We Have Not Done Yet:** Wealtii has not yet had a third-party security audit, penetration test, SOC 2 or ISO 27001 certification; these are planned. There is no deposit insurance, investor-compensation scheme or crypto insurance. More detail is on our [security page](https://wealtii.com/security). ### Keeping Your Account Secure We handle platform-level security, and you play a crucial role in keeping your own account secure: **Use a Strong, Unique Password** - At least 8 characters with a mix of uppercase, lowercase, numbers and symbols - Don't reuse passwords from other websites - Consider a reputable password manager - Change your password immediately if you suspect a compromise **Turn On Two-Factor Authentication** Add authenticator-app (TOTP) 2FA in your security settings, so signing in needs a code from your authenticator app as well as your password. **Protect Your Email Account** Your email is used for sign-in codes, password resets, withdrawal confirmations and important notifications. Give your email account its own strong password and two-factor authentication. **Watch for Phishing & Scams** - Wealtii will never ask for your password or verification codes by email, chat, phone or any other channel - Always check you're on the official Wealtii website (https://wealtii.com) before entering credentials - Don't click links in suspicious emails claiming to be from Wealtii - When in doubt, type https://wealtii.com into your browser instead of clicking a link - Be wary of anyone on social media claiming to be Wealtii staff or offering "special deals" **Keep Your Devices Secure** - Keep your operating systems and browsers up to date - Use reputable anti-malware software - Avoid accessing your account on public or shared Wi-Fi - Lock your devices when not in use - Don't save your Wealtii password on shared computers **Review Your Account Regularly** - Check your transaction history for unfamiliar activity - Review your active sessions - Keep your contact information up to date **If You Suspect Unauthorised Access** 1. Change your password immediately 2. Log out of all active sessions 3. Review your recent transactions 4. Contact support at support@wealtii.com right away We take every report of suspicious activity seriously. ## Withdrawing Your Funds 2 subsections ### How Do Withdrawals Work? You can sell and withdraw at any time, with no lock-up. Withdrawals are paid in USDT to an external wallet on BNB Smart Chain (BEP-20). Step 1 - Sell Your Fund Holdings (If Needed): If your money is invested in funds, first sell your fund units back to USDT. Go to your portfolio, choose the fund, enter the units or dollar amount and confirm. The proceeds are credited to your USDT balance. **Step 2 - Withdraw USDT:** Once you have USDT in your available balance, withdraw it to an external wallet that supports USDT on BNB Smart Chain (BEP-20). **Processing Time:** Processing times vary. Some withdrawals, such as first-time or larger withdrawals, can need extra security review and take longer. You can track the status in your transaction history. **Withdrawal Fee:** 0% platform fee during our early-adopter promotion. Any applicable amounts are shown before you confirm. **Security Verification:** Every withdrawal needs email confirmation. **Bank Payouts:** Wealtii does not pay out to bank accounts. To convert USDT to your local currency, you would use a third-party service, which charges its own fees. **Important Notes** - Double-check your destination address: blockchain transactions cannot be reversed - Only withdraw to a wallet that supports USDT on BNB Smart Chain (BEP-20) - Minimum withdrawal amounts may apply ### Step-by-Step Withdrawal Guide Follow these steps to withdraw USDT from your Wealtii account: **1. Log In:** Sign in at https://wealtii.com. **2. Check Your Balance:** Make sure you have enough USDT in your available balance. If your money is in fund positions, sell them first (see Section 9.1). 3. Click "Withdraw": Open the Withdraw section from your Dashboard. 4. Enter Withdrawal Details: - Amount: The USDT amount you want to withdraw - Destination Address: Your external BEP-20 wallet address; check it carefully **5. Review the Summary:** The platform shows: • Your requested withdrawal amount • Any amount that will be deducted • The net amount you'll receive • The destination address for a final check **6. Confirm:** Submit the request, then click the confirmation link we email you to authorise it. **7. Processing:** Your withdrawal enters the processing queue. Track its status in your transaction history. **8. Completion:** The USDT is sent to your destination wallet on BNB Smart Chain, and you'll get a notification with the transaction hash. Withdrawal Not Arriving? - Check the transaction hash on BscScan - Verify the destination address was entered correctly - Confirm that you clicked the email confirmation link - Check whether the withdrawal is under additional security review - If it still hasn't arrived after a few hours, open a support ticket or email support@wealtii.com with your withdrawal ID and destination address ## Account Management & Support 2 subsections ### Managing Your Account Your account settings let you control your Wealtii experience: **Profile Information** - View and update your personal details - Your legal name must match your KYC documents - Keep your contact information current so you receive important notifications **Password Management** - Change your password at any time from Settings - You'll need your current password to set a new one - If you forget your password, use "Forgot Password" on the login page to reset it by email **Two-Factor Authentication** - Turn on authenticator-app (TOTP) 2FA from your security settings - Sign-in verification codes are also sent to your email **Notification Preferences** - Choose which email notifications you receive - Security alerts, transaction confirmations and account-critical notifications always stay on **Session Management** - View your active session - Log out of all devices at once if you suspect unauthorised access - The platform enforces a single active session per account ### How Do I Get Help? Support at Wealtii is ticket-based. **Support Tickets** Submit a ticket from the [Help Centre](https://wealtii.com/support) or your Dashboard. Tickets are accepted 24/7 and we typically send a first response within a few hours. Urgent account or security issues are prioritised. **Email** You can also email support@wealtii.com. **When Contacting Support, Please Include** - Your account email address (never share your password or verification codes) - A clear description of the issue - Relevant screenshots (hide any sensitive information) - Transaction IDs if the issue involves a specific deposit, investment, sale or withdrawal - The approximate date and time of the issue - The device and browser you were using **What We Can Help With** - Explaining platform features - Troubleshooting technical issues - Investigating transaction questions - Password resets and account access - KYC verification questions - Fee questions **What We Cannot Do** - Provide financial or investment advice - Promise investment returns - Reverse completed blockchain transactions - Override security requirements or verification procedures - Share account information without proper identity verification **Security Reminder:** Wealtii support will never ask for your password or verification codes, or ask you to send crypto to any address. If someone claiming to represent Wealtii asks for any of these, it's a scam; report it to support@wealtii.com. **Self-Service Options** - This How It Works guide - The Frequently Asked Questions below - Our other informational and legal documents (linked at the bottom of this page) - The search bar at the top of this page ## Frequently Asked Questions Quick answers to the most common questions about Wealtii How do I create an account? Visit https://wealtii.com, click "Sign Up", enter your details (name, email, username, password) and verify your email. Sign-ins are verified with a one-time code sent to your email, and you can add authenticator-app (TOTP) two-factor authentication. See Section 2 for the full guide. Do I need to verify my identity (KYC)? No ID documents needed to start — verify your email and invest up to $10,000. ID verification unlocks higher limits: up to $100,000 per day at the Intermediate level, and no platform limit at the Advanced level. Card on-ramp providers run their own identity checks. See Section 2.2. How do I deposit funds? Go to your Dashboard, click "Deposit", copy your deposit address and send USDT on BNB Smart Chain (BEP-20). It is credited after 12 network confirmations. You can also buy USDT with a card or bank transfer through a third-party on-ramp provider, which charges its own fees. See Section 3. What are digital asset index funds? A digital asset index fund holds several digital assets in set proportions, similar to how a stock index fund holds many stocks. Wealtii offers three funds with fixed target allocations, backed 1:1 by the underlying tokens. See Section 4. How do I invest in a fund? Open the Funds page, choose a fund, enter the USDT amount (minimum $10), review the details and confirm. The platform buys each holding on-chain through DEX aggregators at the best available quote and credits fund units to your portfolio. See Section 5. What fees does Wealtii charge? During our early-adopter promotion, platform fees are 0% on purchases, sales and withdrawals. There is no management fee, performance fee, lock-up or exit penalty. Network gas fees apply (typically under $0.50), and a 0.5% processing fee applies to refunds of deposit over- or under-payments. See Section 7. How do I withdraw my funds? Sell your fund holdings back to USDT, then go to Withdraw on your Dashboard, enter the amount and your external BEP-20 wallet address, and confirm by email. Wealtii pays out in USDT only, not to bank accounts. See Section 9. How is my money protected? User fund assets are held 1:1 in a Gnosis Safe 3-of-3 multi-signature vault on BNB Smart Chain with a public address. Moving vault funds requires all three signatures, and assets are not lent or staked. There is no insurance or compensation scheme, and Wealtii is not regulated. See Section 8. Can I sell my investment at any time? Yes. There is no lock-up. Sales are executed on-chain at the best available quote, and the proceeds are credited to your USDT balance with a 0% platform fee during our early-adopter promotion. You can then withdraw or reinvest. What if I forget my password? Click "Forgot Password" on the login page, enter your registered email and follow the reset link to create a new password (minimum 8 characters). For more help, contact support@wealtii.com. Related Legal Documents Important documents you should review Complete terms governing your use of the Platform How we collect, use, and protect your personal data Anti-money laundering and identity verification Comprehensive disclosure of investment risks Complete breakdown of all applicable fees Our future plans, upcoming features, and strategic direction How we ensure 1:1 asset backing and on-chain verifiability Our mission, vision, and the founder behind Wealtii Step-by-step guide to using the Wealtii platform How we protect your account, funds, and personal data Educational resources on digital asset investing and index funds Who operates Wealtii, its regulatory status and restricted jurisdictions