Phantom Cash
Phantom Cash adds a prepaid virtual Visa card to the Phantom wallet, spending a balance held as the CASH stablecoin on Solana and shown in dollars. It is US-only (not New York), pays no cashback, blocks ATM withdrawals and allows $2,000 a day at first; card fees are not itemised publicly.
- Visa
- Apple Pay
- Google Pay
- Wallet without KYC
- Virtual card
- No ATM
Good
- Built into the Phantom wallet; the wallet works without KYC
- Free top-ups in USDC, USDT or PYUSD on Solana, plus ACH and wire
- Yield on CASH balances with no lock-up
- Apple Pay and Google Pay; daily limit can rise to $5,000 after 30 days
Watch out
- US residents only, not New York
- No cashback and no ATM withdrawals
- Card, FX and bank withdrawal fees are not itemised
- Virtual card only; the card is being reissued under a new issuer in October 2026
Key facts
- Cashback
- 0%no cashback
- Top-up fee
- Free
- Daily spend limit
- $2,000
Rewards
| Cashback | 0% (no cashback) |
|---|
Perks
- Yield on CASH balances with no lock-up
Fees, limits and card details
| Top-up | FreeFree for USDC, USDT and PYUSD sent on Solana; Stripe and other providers show their fee before you confirm |
|---|
- The official page says fees may apply, without amounts.
- Bank withdrawals (US) come in Fast and Standard speeds; the fee is shown in the app before you confirm.
- Sending CASH to a Solana address that has never held CASH costs a one-time network fee for the token account.
| Spending, per day | $2,000Up to $5,000 once the account is 30 days old with 30 days of transactions, assessed automatically |
|---|---|
| Top-up, per transaction | $1,000,000Domestic wire; Stripe deposit limits vary and are shown in the app |
- Money transfers (Cash App, Venmo, Apple Cash top-ups) are capped at $500 a week.
- Stripe deposit limits depend on payment method, verification and account history; some use a rolling 7-day window.
- Phantom Support cannot raise or reset limits.
| Provider | Phantom, with Bridge Ventures (programme manager) and Lead Bank (issuer); moving to Stripe from October 2026 |
|---|---|
| Network | Visa |
| Card type | PrepaidPrepaid Visa debit; each payment draws CASH from the Cash account and converts it to USD. |
| Formats | Virtual cardVirtual only; Phantom says there is no physical card. |
| Currencies | USD |
| Issuer | Lead BankLead Bank under a Visa U.S.A. licence for Bridge-issued cards. From 5 October 2026 Phantom is moving the card from Bridge to Stripe; replacement cards get a new number and PIN, and the bank behind them is not named. |
| Programme manager | Bridge Ventures LLC (Stripe from October 2026) |
| Cash withdrawals | No |
| Wallets | Apple Pay: Yes; Google Pay: YesApple Pay from the app; Google Wallet by entering the card details by hand. |
| Launched | September 2025 |
| Required | Wallet without KYC |
|---|---|
| Verification provider | Link (Stripe) |
| What you provide | Phone number, date of birth and address; Social Security Number (ITIN not accepted); Government-issued ID |
- Verification is needed for the card, Stripe deposits and bank transfers in and out; the Phantom wallet and the Cash account work without KYC.
- Verification is progressive: basic details for the first deposit, more as you add funds.
- Phantom cannot review or override a failed check.
- 18 or older.
Official links
Availability
Limited
United States. All US states except New York.
US states (50): Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming.
The card, bank transfers and bank withdrawals are US only (not New York). The Cash account itself works worldwide, and Stripe deposits also work in the EU.
Phantom has no timeline for the card in other regions.
Supported cryptocurrencies
- CASH
- USDC
- USDT
- PYUSD
Supported networks
- Solana
Bank and card top-ups
ACH, Domestic wire, Debit card, Apple Pay, Google Pay.
- USDC, USDT and PYUSD sent on Solana to the Cash address become CASH automatically; other tokens are not credited but can be recovered with at least 1 CASH.
- SOL and other crypto go to the main wallet first and are then swapped into CASH.
- Card, Apple Pay and Google Pay deposits through Stripe usually arrive in under a minute; ACH and wires take up to 5 business days.
- Discover cards and the Apple Cash debit card cannot fund Cash through Stripe.
Community review
App Store
4.8 out of 5 from 64,245 ratings
App: Phantom: Trading Wallet
Our rating
3.3 out of 10
| Criterion | Weight | Score | Points |
|---|---|---|---|
| Fees | 28% | 3.4 | 0.95 |
| Cheapest cardUnknown | 20% | 2.0 | |
| Yearly costUnknown | 20% | 2.0 | |
| Top-up cost0% | 20% | 10.0 | |
| Cost per purchaseUnknown | 15% | 2.0 | |
| FX costUnknown | 15% | 2.0 | |
| ATM costNo ATM access | 10% | 0.0 | |
| Rewards | 18% | 0.5 | 0.09 |
| Cashback at $1,000 a month0% | 75% | 0.0 | |
| Reward currencyNo cashback | 15% | 0.0 | |
| Perks1 | 10% | 5.0 | |
| Availability | 14% | 3.0 | 0.42 |
| Countries0.5 countries | 70% | 0.0 | |
| Apple Pay and Google Pay10 of 10 | 30% | 10.0 | |
| Limits | 7% | 0.9 | 0.06 |
| Spending capacity a day$2,000 | 70% | 1.3 | |
| Cash a dayNo ATM access | 30% | 0.0 | |
| Custody | 7% | 2.0 | 0.14 |
| Track record | 7% | 6.8 | 0.48 |
| Age13 months | 50% | 3.5 | |
| IssuerNamed | 30% | 10.0 | |
| IncidentsNone | 20% | 10.0 | |
| Data completeness | 6% | 7.5 | 0.45 |
| KYC and privacy | 5% | 7.0 | 0.35 |
| Networks and coins | 5% | 1.8 | 0.09 |
| Networks1 | 50% | 0.0 | |
| Coins4 | 50% | 3.5 | |
| App ratings | 3% | 9.2 | 0.28 |
| Total | 100% | 3.31 = 3.3 |
Each criterion is scored 0 to 10, rounded to 0.1, then multiplied by its weight. Unknown values score 2.
How to get the card
- Open the Phantom app and go to Cash.
- Verify your identity through Link (Stripe): US resident outside New York, 18 or older, with an SSN.
- Activate the virtual card within 24 hours of approval and add it to Apple Pay or Google Wallet.
- Fund Cash with USDC, USDT or PYUSD on Solana, a bank transfer or a debit card.
Questions
Does Phantom Cash pay cashback?
No, Phantom Cash does not pay cashback.
Does Phantom Cash require KYC?
The Phantom Cash card needs identity verification; parts of the app work without it. Verification is needed for the card, Stripe deposits and bank transfers in and out; the Phantom wallet and the Cash account work without KYC.
Is Phantom Cash available in the US?
Partly: All US states except New York.
Can I add Phantom Cash to Apple Pay or Google Pay?
Yes, Phantom Cash works with Apple Pay and Google Pay. Apple Pay from the app; Google Wallet by entering the card details by hand.
Which coins and networks can I use to top up Phantom Cash?
Coins: CASH, USDC, USDT, PYUSD. Networks: Solana.
What are the Phantom Cash spending limits?
Per day: $2,000.
Similar cards
- Avici6.3Cashback: 0%; Card price: $15; KYC required
- Tuyo5.4Cashback: 0%; Card price: Free; KYC required
- Avalanche Card5.0Cashback: Not disclosed; Card price: Free; KYC required
- WooCard4.7Cashback: 0%; Card price: $9; No KYC at signup
Before you order
The Order card button is an affiliate link: we may earn a commission if you sign up. It does not change the rating or the order of the catalog.
This page is not financial advice. Terms change often; check fees, limits and availability with the provider before you order.
How we rate cards: methodology. How we earn money: affiliate disclosure.
Sources
- Apple App Store listing
- Official website
- Phantom Help Center, Cash and debit card articles
- PaymentScan
Figures are taken from these sources in this order of priority: the provider's own pages, then DefiLlama, then other reviews, then Telegram reports.