Phantom Cash
phantom.comPhantom Cash Card Monthly Volumes
SPENDS ONLY| Month | Volume (USD) | Transactions | Active Addresses |
|---|---|---|---|
| Sep 2025 | $12 | 2 | 2 |
| Oct 2025 | $3.769K | 147 | 25 |
| Nov 2025 | $2.928K | 129 | 24 |
| Dec 2025 | $35.07K | 626 | 70 |
| Jan 2026 | $48.04K | 913 | 82 |
| Feb 2026 | $72.97K | 1,884 | 337 |
| Mar 2026 | $397.8K | 11,663 | 1,766 |
| Apr 2026 | $714.3K | 20,668 | 2,733 |
| May 2026 | $1.136M | 29,600 | 3,571 |
| Jun 2026 | $1.061M | 30,520 | 3,136 |
| Jul 2026 | $1.076M | 28,056 | 2,694 |
| Aug 2026 | $1.098M | 28,653 | 2,740 |
| Sep 2026 | $1.093M | 27,732 | 2,697 |
| Oct 2026 | $1.066M | 26,852 | 2,663 |
| Nov 2026 | $463.4K | 10,483 | 1,530 |
Types of Activity Tracked
Settlement Chains
Card Details
Phantom Cash Card Review: Cashback, Fees, & Perks
Phantom Cash is a self-custodial account built around CASH, a USD-backed stablecoin on Solana. Its virtual Visa card spends that balance by converting CASH into USD when a payment is made.
The card is free and has no fee for US purchases. It is available only to eligible users in the US, excluding New York. The card is virtual only, ATM withdrawals are not supported, and there is no cashback program.
Phantom Cash is most useful as a connected account rather than a standalone card. Users can fund it with stablecoins or US payment methods, spend the balance, withdraw to a US bank, and enroll in a separate Cash Rewards program. Funding costs vary heavily by route.
Phantom Cash Card at a Glance
| Feature | Details |
|---|---|
| FeatureCard type | DetailsVirtual prepaid debit card linked to a self-custodial CASH balance |
| FeatureCard network | DetailsVisa |
| FeatureCard provider | DetailsStripe for cards activated or replaced from 5 October 2026; legacy Bridge-issued cards are being replaced |
| FeatureVirtual card issuance | DetailsFree |
| FeatureCashback | DetailsNone |
| FeatureATM withdrawals | DetailsNot supported |
| FeatureStandard spending limit | Details$2,000/day; eligible accounts can be increased to $5,000/day |
| FeatureMobile wallets | DetailsApple Pay and Google Pay |
Card Fees
The card itself has a simple domestic fee structure: issuance and USD purchases are free. Most costs incur from and vary by the funding method used.
| Fee | Amount | Notes |
|---|---|---|
| FeeVirtual card issuance | AmountFree | NotesVirtual card only |
| FeeDomestic US purchase | AmountFree | NotesCASH is converted into USD for settlement |
| FeeInternational purchase | AmountVariable | NotesAny applicable fee is shown before confirmation |
| FeeATM withdrawal | Amount- | NotesATM transactions are blocked |
Funding Your Phantom Cash Card
The card spends only from a user's CASH balance. CASH is held in a self-custodial Solana wallet linked to the user's Phantom profile. When a card payment is made, CASH is drawn from that account and converted to USD.
- Users can convert USDC, USDT, USDG, or PYUSD on Solana into CASH without a Phantom swap fee
- Converting other tokens into CASH costs 0.85%
- Swapping CASH back into USDC is free, while swaps into USDT, USDG, PYUSD, or other tokens cost 0.85%
Users can also top up CASH through Stripe or a bank transfer.
- 1.75% fee for a debit-card deposit
- 3.50% for a credit-card deposit
- 0.30% for a direct deposit from a US bank account
- 1.00% for a domestic wire.
Standard ACH withdrawals are free; fast ACH costs $1 plus 0.75%, subject to a $1.50 minimum.
Additional Features
Cash Rewards
Cash Rewards pays a variable APY on the CASH held in an enrolled Cash account. Rewards accrue daily and are added to the balance weekly, with the current rate shown in the app.
The program is separate from card cashback. Phantom funds the payments as a marketing expense, and the CASH balance remains in the user's self-custodial account while enrolled.
Bank Transfers and Cash Payments
Eligible US users can receive ACH transfers and domestic wires through account and routing details, then withdraw CASH to a US bank. The same balance can also be sent to Phantom usernames or Solana addresses and used to buy supported assets inside the app.
Availability and User Experience
The Phantom Cash Card is available to users in the US, excluding New York. Identity verification through Stripe Link is required.
The card is virtual only. It can be used online and added to Apple Pay or Google Pay. The standard daily transaction limit is $2,000. Once a Cash account is at least 30 days old and has 30 days of transaction history, Phantom automatically reviews whether the limit can increase to $5,000.
Phantom began moving its card program from Bridge to Stripe on 5 October 2026. New cards and replacements use Stripe, while legacy Bridge-issued cards are being replaced in stages.
Who Is This Card For?
Phantom Cash is best suited to users who already use Phantom and want to connect a self-custodial stablecoin balance to bank transfers, trading, and spending. Stablecoin funding is inexpensive when converting supported Solana stablecoins into CASH.
It is less suitable for users seeking cashback, a physical card, ATM access, or broader availability. Users funding by debit or credit card should compare the 1.75%-3.50% deposit cost with alternative routes.
How to Sign Up for Phantom Cash
- Install or update the Phantom mobile app and create or access a wallet.
- Open the Cash section and complete identity verification through Stripe Link.
- Confirm the card details and accept the card terms.
- Activate the virtual Visa card.
- Fund the Cash account through a supported stablecoin, card, or US bank route.
- Add the card to Apple Pay or Google Pay, where required.