Documentation · Quick start
Getting started
From zero to your first transaction: create your account, verify it and start moving money. All from your browser, no downloads.
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.
- Your first transfer sent, and a clear picture of how to withdraw to your bank.
1 · Create your account
Under 2 minutes, from any browser.
- Open the web platform in your browser — nothing to download.
- Sign up with your personal email and create your password.
- 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). Takes a few minutes.
Have a valid government-issued ID (national ID, passport or driver's license) and a camera for the selfie.
- If you sign in unverified you'll see the "Verify your identity" screen. Tap "Verify identity now".
- Complete the secure Persona flow (our verification partner, operated by Bridge): details, document and selfie.
- Accept the Terms of Service — it's a SEPARATE step from identity and also required.
- Your account unlocks automatically once approved (usually within minutes).
⚠️ The most common pitfall
Finishing identity verification and assuming you're done: without accepting the Terms of Service the account stays "incomplete". They are two separate clicks — the app shows you the button for whichever step is missing. If you get stuck, follow the full verification guide.
3 · Top up your balance
Two ways to add funds. The exact fee is always shown before you confirm.
With a card 0.50%
- Go to the "Top up" screen.
- Choose an amount and complete the payment securely with your debit or credit card.
- Your balance is credited automatically.
By bank transfer 0.50%
- In "Top up", choose the bank transfer option.
- You'll receive the details of an account in your name to deposit from your bank (including Bre-B in Colombia).
- Make the transfer from your bank; the balance is credited on arrival.
4 · Send money
Remittances and transfers to another person or account. 0.40%
- Go to "Send" and pick a contact or enter the recipient.
- Enter the amount — you'll see the real-time exchange rate and the exact fee before confirming.
- Confirm. The recipient gets the money in their bank or their D1C account, with an instant notification.
- Track the status in your transaction history.
On-chain transfers confirm almost instantly on EVM networks, available 24/7 with no banking hours.
5 · Withdraw to your bank
Send your balance to your bank account (off-ramp). 0.40%
- Go to "Withdraw" and choose your destination bank account.
- Enter the amount — the applicable fee is shown before you confirm.
- Confirm. Withdrawals usually settle within 1 to 2 business days.
Your USD account & wallets
What you get once you're verified.
- 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, Polygon, Arbitrum) with instant settlement.
- Real-time conversion — swap between USDC, USDT and USD with live rates. 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 access to the Credits Program.
Compare volume limits and pricing on the Plans page. Annual billing includes 2 months free.
Account security
Institutional-grade protection, plus what you can enable yourself.
- Your funds are under institutional custody with Bridge.xyz, a regulated platform.
- Data travels and is stored encrypted (AES-256 and TLS 1.3).
- Enable biometrics (Face ID / fingerprint) in Settings to protect access to the app.
- Never share your password. Our team will never ask for it.
Running a business?
The business panel is a separate space, with its own verification.
With the business panel you manage payroll, treasury and your team. To activate it you need business verification (KYB) — a separate process from your personal KYC. Prepare your documents with the verification guide checklist before you start.