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 bank transfer, and your first transfer sent.

1 · Create your account

Under 2 minutes, from any browser.

1. Choose your plan on the Plans page and pay for it: without an active plan the account cannot be created.
2. Open the web platform in your browser — nothing to download — and enter the email you paid with. There is no password: we send you a 6-digit code that expires in 10 minutes, and every time you sign in you use a new code.
3. Accept the Terms and Conditions and the Privacy Policy: the app asks you to before letting you use your account. If you land on the "Payment confirmed" screen when your payment is done, check the box, click "Continue", then "Send code" and, with the code, "Create account"; then you choose whether you'll use an individual account or a business account.
4. You may get a welcome email with useful links, but you don't depend on it: if a step is missing, the app shows you the button.

2 · Set up your passkey and PIN

Required, once: they're the two confirmations we ask for when you sign in to your account and on every transfer or withdrawal. It takes a couple of minutes.

1. The first time you sign in you'll see the "Set up your passkey and PIN" notice: until you complete it you won't see the home screen or be able to start verification in the app. Click "Set up now", which takes you to Settings → Security and payment confirmation.
2. Register your passkey: it's stored on your device and unlocked with your fingerprint, face or device PIN. For the first one we send a 6-digit code to your email, to check that it's yours.
3. Choose your 6-digit PIN.
4. When you finish, we ask once for the passkey and PIN you just created, and take you back to the screen you were on.

Details in Payment confirmation.

3 · 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.

Complete your profile. Before verifying your identity, we ask for six details about your activity: employment status, occupation, source of your funds, what you will use the account for, how much you expect to move per month and whether you receive or send money on behalf of someone else. Companies answer equivalent questions when verifying the company. Regulations require us to know this information to keep your account operational.

1. If you sign in unverified you'll see the "Verification pending" notice on the home screen. Click "Verify now" (you'll also find "Verify identity now" when you open Send or Receive, and Settings → Complete verification).
2. Complete the secure identity verification flow: details, document and selfie.
3. Accept your account's terms of service with the "Accept terms of service" button, which the app shows while they're pending. It's a SEPARATE step from identity, also required, and different from the Terms and Conditions you accepted when creating your account.
4. Your account unlocks automatically once approved; the review usually takes 1 to 3 business days.

4 · Top up your balance

By bank transfer, with a fee by the currency you receive: 1.00% in USD, 1.50% in EUR, GBP or MXN, 1.55% in BRL and 1.75% in COP. Card top-ups are not available at the moment.

1. In Receive → Top up, choose your currency (USD, EUR, GBP, MXN, BRL or COP) and, if you don't have an account in that currency yet, click Create account.
2. You'll get bank details to receive deposits from your bank.
3. Make the transfer; deposits are converted to USDC automatically.

5 · Send money

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

1. Go to Send, enter the amount and the destination address or pick a contact. Transfers go out in USDC on the Base network.
2. You'll see the exact cost before confirming; the network fee is covered by us (~$0.00).
3. Confirm with your PIN and your passkey (the ones you set up in step 2; details in Payment confirmation). Confirmation usually takes less than 2 minutes, and you can track it in Activity.

Coming soon: an email to the person receiving the money. Today the email for each transfer goes only to you.

6 · Withdraw to your bank

Send your balance to your bank account. The fee depends on the destination country (1.50% to the US, 1.90% to Europe or Mexico, 1.95% to Brazil and 2.10% to Colombia. Withdrawals to the UK are not possible yet) and already includes the currency conversion. The minimum amount for a bank withdrawal is 20 USD: below that you cannot withdraw. It is not a minimum fee.

1. Go to Receive → Withdraw → Withdraw to bank account.
2. Choose the destination currency, fill in your bank details and enter the amount — the applicable fee is shown before you confirm.
3. Confirm with your PIN and your passkey (the ones you set up in step 2; details in Payment confirmation). The withdrawal is processed 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 US bank.
• Stablecoin wallets — USDC on the Base network, with instant settlement.
• Currency conversion — when you withdraw to a bank outside the US, the exchange is already included in the withdrawal fee: only one fee is ever charged per operation. The exchange rate is applied when the order is processed. Details in Fees.

Choose your plan

You need an active subscription to create your account, to sign in and to operate — there is no free plan. If your subscription is canceled, you won't be able to sign in until you choose a plan again with the same email.

• 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 (Coming soon: not active yet).

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

Account security

• You sign in without a password: each time we email you a one-time code. Protect your inbox with two-factor authentication.
• Your funds are held in institutional custody by a regulated platform.
• Data is encrypted in transit and at rest (AES-256 and TLS 1.3).
• To sign in to your account, and on every send or withdrawal, we ask for your passkey and your PIN; you set them up in Settings → Security and payment confirmation. Details in Payment confirmation.
• Never share your codes or your PIN. Our team will never ask for them.

Running a business?

With the business panel you manage payroll, treasury and team. To activate it you need business verification (KYB) — a separate process from your personal KYC. Prepare your documents with the checklist in the verification guide before you start.

Stuck on a step?

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