Sign in to DCash and open the Home tab.

Tap the identity verification banner. If you opened the link directly, go to /verify/kyc.

Choose Start Identity Verification and allow the secure Didit window to open.

Use a government ID, driver license, or passport, then complete the face and liveness check.

Return to DCash after submission and wait for the status screen to show approved, pending, or action required.

Open Profile and choose Payment service providers.

Select Add next to the provider available for your country.

Enter the phone number in the format shown on screen.

Wait for the SMS code, enter the 6 digits, then tap Verify.

Use the edit button beside a saved provider when you need to change the phone number.

Open Profile and review Accounts & payments.

Choose Default accounts to set the provider used first for deposits and withdrawals.

Choose Transaction PIN to create, edit, or remove the PIN used on protected payments.

Open 2FA Settings if you also want authenticator-app protection for sign-in sensitive actions.

Tap Deposit from the Home action buttons or from an account action.

Choose the mobile money provider in From.

Choose the DCash account or Deriv destination in To.

Enter the amount. If currencies differ, use the toggle to enter either the source or destination amount.

Review the confirmation screen and approve the prompt from your mobile money provider when it arrives.

Tap Withdraw from Home, an account action, or the Deriv screen.

Choose the source account. Deriv appears as a source when linked.

Choose the destination mobile money provider or a USD account when withdrawing from Deriv.

Enter the amount and review the exchange estimate, limits, and available balance.

Confirm the withdrawal. If PIN is enabled, enter it. If the source is Deriv, enter the verification code sent by email.

Open Accounts and choose Exchange from an account card or the account-side carousel.

Select the source currency in From.

Select a different destination currency in To.

Enter the amount. You can enter the source amount or the estimated destination amount when a rate is available.

Review the confirmation screen and enter your transaction PIN if prompted.

Tap Transfer from the Home action buttons.

Choose a saved recipient or search by email, phone number, or DCash ID.

Select the currency account that should fund the transfer.

Enter the amount and optional description.

Review the amount, fee, recipient, and total debit, then enter your PIN if required.

Tap Pay on Home. The Pay action appears for users in Kenya with a KES account.

Pick a saved biller or choose Pay new biller.

Select Paybill or Till, enter the shortcode, and add the account number when it is a paybill.

Enter the amount, optional description, and choose whether to save the biller for next time.

Confirm the payment. If paying from Deriv, enter the email verification code before final submission.

Open Merchants or the Merchants and Businesses section on Home.

Select Deriv. If it is unlinked, DCash sends you to the Deriv authorization page.

Approve the connection and return to DCash.

Use the Deriv screen to view balance, recent transactions, Deposit, Withdraw, and settings.

Deposit into Deriv from a USD DCash account or mobile money, and withdraw from Deriv to a registered provider or USD account.

Open Merchants from the top navigation.

Use the search field to search for Axon Markets or Harmovest Capital.

Check the status chip on the merchant card.

If the card says Coming soon, the merchant is visible for discovery but not yet available for funding or withdrawals.

Use Deriv for the currently active merchant funding flow while Axon and Harmovest are being prepared.

Open Transactions from the navigation panel or from the Accounts carousel.

Use the transaction list to review deposits, withdrawals, transfers, exchanges, bill payments, and merchant activity.

Tap a transaction to open its detail sheet.

From Deriv, choose View all to see Deriv-specific transactions filtered by merchant and USD.

Use the page controls when the transaction list spans multiple pages.