The DhowCSD Investor Portal and Mobile Apps are designed to provide investors with seamless access to Kenya Government Securities such as Treasury Bills and Bonds.

Offered by the Central Bank of Kenya (CBK), this platform simplifies investment processes by allowing users to register, place bids, manage their accounts, and participate in the secondary market conveniently from their devices.

This guide explores the features and functionalities of the DhowCSD system, ensuring investors can efficiently navigate their investment journey.

Step-by-Step Registration Process

1. Individual Investors

To create an individual investor account:

• Access the Platform: Visit www.centralbank.go.ke or download the DhowCSD app from the Google Play Store or Apple App Store.
• Create an Account: Click on “Create Account”, enter email, username, and password.
• Input Personal Details: Provide full name, ID details, residency status, nationality, occupation, and KRA PIN.
• Add Contact and Settlement Information: Enter phone number, address, and bank details.
• Upload Required Documents: Attach a photo, ID, and KRA PIN certificate.
• Verification & Approval: Confirm your email and await approval from the settlement bank.

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2. Joint Accounts

Investors wishing to create a joint account must first complete the individual registration process and then:

• Log into the DhowCSD portal.
• Navigate to “Add Joint Account” and provide the email addresses of co-investors.
• Await co-investor approvals to complete the setup.

3. Corporate Investors

Legal entities must:

• Have a designated signatory with an individual profile.
• Provide corporate details, including business registration information, director details, and bank details.
• Submit required documents for verification before activating the account.

Key Features of the DhowCSD Portal

1. Participating in Securities Auctions

Through the platform, investors can:

• View available Treasury Bills and Bonds.
• Place bids for securities via the auction menu.
• Choose between competitive and non-competitive bidding options.
• Select a broker (if applicable) and confirm submissions.
• Receive real-time notifications on bid results via email or SMS.

2. Managing Investments & Secondary Market Transactions

• Portfolio Monitoring: Investors can access detailed statements of securities held.
• Secondary Market Trading: Engage in Deliver vs Payment (DvP) and Free of Payment (FoP) transactions.
• Earmarking Bonds: Investors can allocate bonds for trading on the Nairobi Securities Exchange (NSE).
• Pledging Securities: Use government securities as collateral for loans.

3. Payment & Redemption

• Ensure sufficient funds in a commercial bank for successful bids.
• Use the netting (rollover) option for reinvesting maturing securities.
• Track interest payments and redemptions via the corporate actions menu.

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Security & Compliance Measures

DhowCSD prioritizes investor security through:

• Multi-factor authentication (MFA) for secure logins.
• Regular proof-of-reserves audits ensuring asset transparency.
• Mandatory document verification and settlement bank approvals to prevent fraud.

Looking Ahead

The DhowCSD Investor Portal and Mobile Apps provide a modern, efficient, and secure way for individuals, joint investors, and corporate entities to engage with Kenya’s securities market.

By simplifying registration, bidding, portfolio management, and trading, the platform enhances accessibility to government-backed investments.For further details, visit www.centralbank.go.ke or log in to dhowcsd.centralbank.go.ke to start investing today.