Quick start

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From zero to your first transaction: create your account, verify it and start moving money. All from your browser, no downloads.

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By the end of this guide you'll have: your D-ONE CASH account created and verified (KYC), funds added by card or bank transfer, and your first transfer sent.

1 · Create your account

Under 2 minutes, from any browser.

1. Open the web platform in your browser — nothing to download.
2. Sign up with your personal email — you sign in with a one-time code, no password needed.
3. Check your inbox: you'll get a welcome email with important links (keep it — it includes the link to accept the Terms of Service).

2 · Verify your identity (KYC)

Required once, for regulatory compliance (KYC/AML). It takes a few minutes. Have a valid government-issued ID (national ID, passport or driver's license) and a camera for the selfie.

1. If you sign in unverified you'll see the "Verify your identity" screen. Click "Verify identity now".
2. Complete the secure Persona flow (our verification partner, operated by Bridge): details, document and selfie.
3. Accept the Terms of Service — it's a SEPARATE step from identity and also required.
4. Your account unlocks automatically once approved (usually within minutes).

3 · Top up your balance

Two ways to add funds. The exact fee is always shown before you confirm.

With a card (0.50% fee):

1. Go to Receive → Top up.
2. Choose an amount (min. $10) and pay securely — Stripe for cards issued in the U.S., MoonPay for the rest of the world.
3. Your balance is credited automatically as USDC.

By bank transfer (0.50% fee):

1. In Receive → Top up → or transfer from your bank, create a virtual account in your currency (USD, EUR, GBP, MXN, BRL or COP).
2. You'll get the details of an account in your name to deposit from your bank.
3. Make the transfer; deposits are converted to USDC automatically.

4 · Send money

Transfers to another person or account (0.40% fee).

1. Go to Send, enter the amount and pick the asset (USDC/USDT) and network (Base recommended).
2. Enter the destination address or pick a contact — you'll see the exact cost before confirming, with the network fee covered (~$0.00, Bridge covers gas).
3. Confirm. Delivery usually takes less than 2 minutes, and you can track it in Activity.

5 · Withdraw to your bank

Send your balance to your bank account (0.40% fee, min. 10 USDC).

1. Go to Receive → Withdraw → Withdraw to bank account.
2. Choose the destination currency and fill in your bank details.
3. Confirm. Withdrawals settle within 1–2 business days.

Full details in Withdraw funds.

Your USD account & wallets

Once verified you get:

• Virtual USD account — real account and routing numbers. Receive wire transfers and ACH from any bank in the world.
• Stablecoin wallets — USDC and USDT on EVM networks (Base, Ethereum, Polygon, Arbitrum) with instant settlement.
• Real-time conversion — FX costs 0.65%–0.80% depending on your plan; USDT operations carry a +0.15% surcharge. Details in Fees.

Choose your plan

Every operation requires an active subscription — there is no free plan.

• Professional — to operate in dollars on your own (1 user).
• Startup — for small teams managing payments (up to 10 users).
• Growth and Enterprise — for companies with payroll, bulk payments, roles and the Credits Program.

Compare volume limits and pricing in Plans and limits. Yearly billing includes 2 months free.

Running a business?

The business panel is a separate space with its own verification (KYB). Start with Business panel.

Stuck on a step?

Write to us from your account email at [email protected].