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 bank transfer.
- Your first transfer sent, and a clear picture of how to withdraw to your bank.
1 · Pick your plan and create your account
From any browser, nothing to download. Every account needs an active plan: there is no free plan.
- Pick your plan on the Plans page and pay by card.
- Once the payment clears you are returned to D-ONE CASH automatically: you will see the plan you bought and the email you paid with, already filled in.
- Accept the Terms of Service by ticking the box.
- Request your access code: you get an email with 6 digits, you type it in and your account is created. There is no password — every time you sign in you request a new code.
- Choose whether your account is personal or a business one.
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): details, document and selfie.
- If it shows up, accept the custody service terms with the "Accept terms of service →" button: it is a separate step from identity, and they are different from the ones you accepted when you created your account. If you have already accepted them, it will not appear.
- 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
By bank transfer: card top-up is not available at the moment. The exact fee is always shown before you confirm.
By bank transfer from 1.00%
- In "Top up", choose the currency and tap "Create account".
- You'll receive bank details to deposit from your bank (including Bre-B in Colombia).
- Make the transfer from your bank; the balance is credited on arrival.
The fee depends on the currency you receive: 1.00% in USD, 1.50% in EUR, GBP or MXN, 1.55% in BRL and 1.75% in COP. Deposit fees cover what it costs us to receive your money, plus a small margin. Our main margin is on bank withdrawals, which is why it changes with the destination country.
4 · Send money
Transfers from your dollar account 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 the Base network, available 24/7 with no banking hours.
5 · Withdraw to your bank
Send your balance to your bank account (off-ramp). from 1.50%
- 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.
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 — and it already includes the currency conversion: only one fee is ever charged per operation. Withdrawals to the UK are not possible yet: it has a defined fee but the rail is not enabled. If a currency is not enabled for your account yet, the app tells you when you request the withdrawal.
Withdrawals to a bank account have a 20 USD minimum amount. Below that you cannot withdraw to a bank. Above it you pay the fee in the table, with no surcharge: a 100 USD withdrawal to the US costs 1.50 USD. Sending to a wallet has no minimum.
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 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 shown before you confirm. 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 the institutional custody of regulated third parties, through their own infrastructure.
- 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 access code. 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.