Users can access Machankura by dialing a USSD code which varies per country. When you dial the number for the first time, a bitcoin wallet that is tied to your phone number is instantly created for you. You are required to create a PIN that will encrypt your wallet and will also be used to confirm all future transactions on Machankura.

Once your wallet has been created, a lightning address is generated for you using your phone number. For example: 256234567890@8333.mobi. You can also change this to a username of your choice e.g machankura@8333.mobi. Anyone can send you bitcoin on this lightning address. You can also send bitcoin to any user’s address.