Phantom Cash
Lead Bank · United States · personal
In-wallet US Visa debit card powered by Lead Bank spending Solana and EVM balances 1:1
Is Phantom Cash worth it?
Phantom Cash brings a Lead Bank-issued virtual Visa debit card and USD bank rails directly inside the self-custodial Phantom wallet for US residents. Users can fund via free ACH/wires up to $1M or swap Solana/EVM crypto into CASH 1:1 and tap to pay anywhere Visa is accepted.
Pros
- Built directly into Phantom Wallet
- Free ACH and bank wires up to $1M with 1:1 CASH rate
- Direct Stripe stablecoin checkout integration
Cons
- No cashback rewards currently
- US residents only
- $2,000 initial daily spend cap (increases to $5,000 after 30 days)
Fees, limits & requirements
- Issuance fee
- Free
- One-time card creation
- Annual fee
- None
- Monthly fees included where applicable
- Crypto top-up
- 3.5%
- 0.3–3.5% conv
- FX fee
- 1%
- Variable
- ATM fee
- 0%
- Virtual card only (no ATM withdrawals;$500/wk P2P cap)
- Max daily spend
- $2,000
- Subject to KYC tier and issuer limits
- Monthly ATM limit
- No ATM access
- Virtual card only (no ATM withdrawals;$500/wk P2P cap)
- KYC
- Full KYC
- Full KYC (US ID + SSN)
- Custody
- Self-custody
- Funds remain in your wallet until settlement
- Card network
- Visa
- prepaid card · issued by Lead Bank
Supported crypto & networks
Where is Phantom Cash available?
Availability lists change frequently. Confirm eligibility with Lead Bank before applying.
Phantom Cash — common questions
Is Phantom Cash available in United States?+
Phantom Cash is listed as available in United States. Our data currently shows it as available in United States. Always confirm eligibility with Lead Bank before applying.
What fees does Phantom Cash charge?+
Phantom Cash has no issuance fee, no annual fee, a 3.5% crypto top-up fee and a 1% FX fee. ATM withdrawals cost 0%. Variable
Does Phantom Cash support Apple Pay and Google Pay?+
Phantom Cash supports Apple Pay and Google Pay. You can add the virtual card to your mobile wallet after issuance.
Is Phantom Cash self-custody?+
Yes. Phantom Cash is non-custodial: your assets stay in your own wallet until the moment of settlement. You remain responsible for key management and wallet security.
How does Phantom Cash cashback work?+
Phantom Cash offers No cashback. Rewards are paid in USD. Staking requirement: None. Cashback is modelled at the maximum published tier in our calculator.
Data note: fees, limits and availability are illustrative seed data for this build. Always confirm with the issuer. Card trademarks belong to their respective owners.