User Guide
Your complete guide to earning profit-participation tokens and receiving distributions on SWT Wealth.
Sections
Getting Started
Your first steps on SWT Wealth
Step 1: Create Your Account
- Navigate to the SWT Wealth platform homepage
- Click "Register" or "Sign Up" in the navigation menu
- Enter your details:
- • Full name (as it appears on your ID)
- • Email address (you'll need to verify this)
- • Strong password (min 12 characters, mixed case, numbers, symbols)
- • Date of birth
- Accept the Terms of Service and Privacy Policy
- Click "Create Account"
Step 2: Verify Your Email
- Check your inbox for a verification email from SWT Wealth
- Click the verification link (expires after 24 hours)
- You'll be redirected to the platform and automatically logged in
- If you don't see the email:
- • Check your spam/junk folder
- • Wait 5-10 minutes (email can be delayed)
- • Click "Resend verification email" on the dashboard
Step 3: Complete KYC Verification
KYC (Know Your Customer) is required by law before you can receive tokens or distributions.
- Click "Complete KYC" in your dashboard (you'll see a prominent banner)
- Prepare your documents:
- • Government-issued photo ID (passport, driver's licence, or national ID)
- • Proof of address (utility bill, bank statement, or council tax bill dated within 3 months)
- Upload clear photos of both documents (ensure all text is readable)
- Complete the selfie verification (liveness check to prevent fraud)
- Review and submit
- Verification time: Usually 1-10 minutes for automatic approval, or 1-3 business days if manual review is needed
Important
Your name on ID documents must exactly match your account name. Discrepancies will cause rejection.
Step 4: Set Up Your XRPL Wallet
Your tokens are stored on the XRP Ledger, so you need an XRPL wallet.
Option A: Create a New Wallet (Recommended for beginners)
- 1. Download Xaman (mobile app) or Crossmark (browser extension)
- 2. Follow the app's setup wizard to create a new wallet
- 3. CRITICAL: Write down your secret recovery phrase (24 words) on paper and store it safely
- 4. Copy your XRPL wallet address (starts with 'r', e.g., rN7n7o...)
- 5. In SWT Wealth dashboard, go to "Wallet" section
- 6. Click "Connect Wallet" and paste your XRPL address
- 7. Sign the verification message in your wallet app to confirm ownership
Option B: Use Existing Wallet
If you already have an XRPL wallet, simply connect it using the steps above.
Step 5: Create Trust Line
A trust line allows your wallet to hold SWT Wealth tokens. This is a one-time setup.
- In your dashboard, you'll see a "Create Trust Line" button after connecting your wallet
- Click the button - you'll be redirected to your wallet app
- Approve the trust line transaction (costs about 0.000012 XRP, fractions of a penny)
- Wait for confirmation (usually 3-5 seconds)
- Return to SWT Wealth dashboard
- Wait for authorisation: Once your KYC is approved, the issuer will authorise your trust line (automatic, takes a few minutes)
What is a Trust Line?
Trust lines are an XRPL feature that prevents spam tokens. By creating a trust line, you're saying "I trust this issuer and want to hold their tokens." It's completely safe and standard practice.
You're All Set!
Once KYC is approved and your trust line is authorised, you can start earning tokens immediately. Head to the "Earn" section in your dashboard to see available actions.
Earning Tokens
How to grow your token balance
Available Earning Actions
Newsletter Subscription
Subscribe to company updates and earn tokens.
Typical reward: 10-50 tokens
One-time action • Requires email confirmation
Social Sharing
Share on Twitter, Facebook, LinkedIn, or Instagram.
Typical reward: 5-20 tokens per share
Cooldown: 24 hours • Daily limit: 4 shares
Referrals
Invite friends to join the platform.
Typical reward: 50-100 tokens per signup
Unlimited • Bonus when they complete KYC
Competitions
Compete in time-limited challenges.
Prize pools: 1,000-10,000 tokens
Periodic • Top performers win prizes
How to Complete Actions
- 1. Navigate to "Earn" Section
Click "Earn Tokens" in your dashboard sidebar to see all available actions.
- 2. Choose an Action
Each action card shows the reward amount, cooldown period, and requirements.
- 3. Complete the Action
- • For social shares: Click the share button, post on your chosen platform, then return and click "Verify"
- • For referrals: Copy your unique referral link and share it with friends
- • For subscriptions: Enter your email and confirm in your inbox
- 4. Wait for Verification
Most actions have a grace period (24-48 hours) to verify authenticity and prevent fraud.
- 5. Receive Tokens
Once verified, tokens are automatically credited to your wallet. You'll receive a notification.
Understanding Limits & Cooldowns
Cooldown Period
Minimum time between repeating the same action (e.g., 24 hours between social shares).
Daily Cap
Maximum times you can perform an action per day (e.g., 4 social shares daily).
Monthly Cap
Maximum times you can perform an action per month (e.g., 50 referrals monthly).
Lifetime Cap
Total maximum times for one-time actions (e.g., subscription can only be claimed once).
Pro Tip
View your current limits and cooldown timers in the "Earn" section. Plan your actions to maximize earnings!
Anti-Fraud Rules
To maintain fairness, the platform monitors for fraudulent behaviour. The following will result in action suspension or account ban:
- • Creating multiple accounts to farm referrals (sybil attack)
- • Using bots or automation to complete actions
- • Fake social shares (posting and immediately deleting)
- • Referral rings (groups coordinating to refer each other)
- • VPN/proxy abuse to bypass geo-restrictions
- • Using fake documents for KYC
Penalties: Tokens may be clawed back, and accounts permanently banned. Play fair!
Your Wallet & XRPL
Managing your tokens on the XRP Ledger
Wallet Dashboard
Your wallet dashboard shows:
Token Balance
Total tokens in your wallet, updated in real-time.
Portfolio Value
Estimated value based on recent distributions.
Earning History
Complete log of all token earnings and sources.
XRPL Explorer
Link to view your balance on the blockchain.
Understanding Trust Lines
Trust lines are unique to XRPL and prevent spam tokens from appearing in your wallet. Here's how they work:
- 1. You create a trust line - Opting in to receive tokens from a specific issuer
- 2. Issuer authorises - After KYC approval, issuer enables your trust line
- 3. You receive tokens - Tokens can now be sent to your wallet
Trust Line States
- • Not Created: You need to create the trust line first
- • Pending Authorisation: Waiting for KYC approval and issuer authorisation
- • Authorised: Active! You can receive tokens
- • Frozen: Temporarily disabled (e.g., compliance investigation)
Viewing on XRPL Explorer
One of the benefits of blockchain is transparency. You can verify your token balance on the public XRPL blockchain:
- 1. In your wallet dashboard, click "View on XRPL Explorer"
- 2. You'll be taken to a blockchain explorer showing your wallet address
- 3. Look for the "Trust Lines" or "Balances" section
- 4. Find the SWT Wealth token line to see your exact on-chain balance
- 5. Click on transactions to see the full history of deposits and withdrawals
Your on-chain balance should always match your dashboard balance. Any discrepancy? Contact support immediately.
Token Security
DO:
- • Keep your wallet's secret recovery phrase offline in a secure location
- • Use a hardware wallet (Ledger) for large balances
- • Enable two-factor authentication (2FA) on your SWT Wealth account
- • Verify XRPL addresses carefully before transactions
- • Keep your wallet app and devices updated
DON'T:
- • Share your secret recovery phrase with ANYONE (not even support staff)
- • Store your phrase in cloud storage or email
- • Connect your wallet to suspicious websites
- • Click on unsolicited links claiming to be from SWT Wealth
- • Use the same password across multiple platforms
Distributions & Payouts
How profit distributions work and when you receive payments
How distributions work
- The company declares distributable profits for a period
- A percentage (typically 25%) is allocated to the token holder pool
- A balance snapshot is taken at a fixed date and time
- The pool is divided proportionally by each holder's snapshot balance
- Payouts are calculated, approved by admins, then sent to verified holders
Balance snapshots
Your payout is based entirely on your token balance at the snapshot moment — not your balance when payment is sent. This prevents gaming the system by earning or buying tokens after a distribution is announced. Snapshot data is immutable and auditable.
Payment methods & tax
Payments are typically made by bank transfer (GBP for UK holders) or stablecoin (USDC/USDT) where configured. You must have completed KYC and valid payment details on file.
Distributions are usually treated as income for tax purposes. SWT Wealth provides tax reporting documents per distribution; consult a tax professional for advice in your jurisdiction.
Referral Programme
Invite friends and earn bonuses from their activity
Your referral link
Open Dashboard → Referrals to copy your unique link. When someone registers through it and completes KYC, you earn tokens according to the programme's reward rules.
- • One-time signup bonus when they verify
- • Ongoing percentage of their qualifying earnings (if enabled)
- • Tiered bonuses for multiple successful referrals
Fair play rules
Self-referrals, fake accounts, and referral rings are detected automatically. Fraudulent referrals are rejected and may lead to account suspension.
KYC & Compliance
Identity verification and regulatory requirements
Why KYC is required
UK FCA and international AML rules require identity verification before you can receive tokens or distributions. KYC protects all participants by preventing fraud, money laundering, and identity theft.
What you will need
- • Government-issued photo ID
- • Proof of address dated within the last 3 months
- • Selfie / liveness check
- • Name on documents must match your account exactly
Automated approval usually takes 1–10 minutes; manual review may take 1–3 business days. Track status in Dashboard → Verification.
Security Best Practices
Protecting your account and tokens
Do
- • Store wallet recovery phrases offline only
- • Enable two-factor authentication on your account
- • Use a hardware wallet for large balances
- • Verify XRPL addresses before any transaction
Don't
- • Share recovery phrases — support will never ask
- • Store phrases in email or cloud storage
- • Click unsolicited links claiming to be SWT Wealth
- • Reuse passwords across platforms
Troubleshooting
Common issues and how to resolve them
Tokens not appearing after an action?
- • Grace period still running (social shares, referrals)
- • KYC not yet approved
- • Action under fraud review
- • Cooldown or daily cap reached
Check Dashboard → Earnings for pending actions and status.
KYC rejected?
Read the rejection reason, re-upload clear valid documents, and ensure names match exactly. Contact info@sharedwealth.technology with your case reference if stuck.
More answers in the FAQ or contact support.