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I think you get this from either purchasing the season pass and / or the deluxe version.
You also get a gold ingot worth 4 mil Cap when you purchase the expansion.
only? Lol you make that sound like a small number
I know it is a significant sum when starting out but when you have reached inferno like us, 3 million is chump change because you would have accumulated quite a fortune by then
Don't worry, "secure" means to put it into your inventory. Just look under organization -> Lists -> Modifications and you will see it there. To convert it to money(ie cap), just select it then sell it.
Honestly I'd recommend not selling it until you reach a point where it's a small number. Having a crap load of money right at the start take away a lot of the initial fun.