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DeFi maxiLead Bank (Missouri-chartered, FDIC-insured)visa● Live

Phantom Cash Card

Self-custodial Visa debit card for spending on-chain CASH stablecoin from a Solana wallet.

Phantom Cash Card is a prepaid Visa debit card linked to the Phantom self-custody crypto wallet. It enables users to spend the USD-pegged stablecoin CASH directly from their Solana wallet at any merchant that accepts Visa, featuring real-time crypto-to-fiat conversion at the point of sale.

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Best for

Solana users wanting to spend on-chain assets with a self-custodial Visa-network card.

Skip if

You want cashback rewards, ATM access, or live outside the 48 supported US states.

Network
visa
Custody
self custodial
KYC
full
Max cashback
0.00%
Min monthly fee
$0
Apple Pay
Yes
Google Pay
Yes
Physical card
Yes

The verdict

What we like
  • No monthly fees and $0 domestic purchase fees.
  • Free ACH transfers and gasless Solana transactions.
  • Instant on-chain conversion at point of sale.
  • Apple Pay and Google Pay integration at launch.
Watch outs
  • 0% cashback rewards program at launch.
  • International purchases have a 1% + $0.30 fee.
  • Offers true self-custody but provides 0% cashback rewards at launch.
  • Features gasless transactions and free ACH transfers but disables all ATM withdrawals.
  • Integrates with Apple Pay and Google Pay but is a virtual-only card initially.

Basic information

The Phantom Cash Card is a prepaid Visa debit card integrated with the Phantom cryptocurrency wallet, allowing users to spend their on-chain CASH stablecoin balance. Launched in late 2025, it facilitates real-time conversion from crypto to USD at the point of sale. The card operates on a self-custodial model, meaning users control their private keys and funds remain on-chain on the Solana network until a purchase is made. It is issued by Lead Bank (FDIC-insured) and managed by Bridge Ventures LLC, with KYC processing handled by Stripe, Inc. The card is currently available to verified residents in 48 US states.

Fees

Phantom Cash Card focuses on minimal fees for domestic use.

  • Card Issuance: $0 (Free virtual card)
  • Monthly/Annual Fee: $0
  • Domestic Purchases (USD): $0
  • International Purchases: 1% + $0.30 per transaction
  • ATM Withdrawals: Not available
  • ACH Deposit/Withdrawal: $0 (standard or same-day)
  • Domestic Wire Deposit: $0
  • Debit Card Top-Up: 1.75% (via Stripe)
  • Stablecoin Swap to CASH: $0 (from USDC, USDT, USDG, PYUSD)
  • Other Token Swap: ~0.85% (estimated)

Spending Limits:

  • Daily Purchase Limit: $2,000 (upgradeable to $5,000 after review)
  • Per-Transaction Limit: $2,000

Spending & ATM limits

Notes
No pre-loading required; spend directly from on-chain CASH balance
Atm Daily
Not available
Atm Monthly
Not available
Daily Spending
$2,000 (upgradeable to $5,000 after review)
Per Transaction
$2,000

Features

  • Real-Time Conversion: Spends on-chain CASH stablecoin by converting it to USD instantly at the point of sale.
  • Gasless Transactions: Phantom covers Solana network fees for all swaps, transfers, and card transactions within the Cash account.
  • Fee-Free Stablecoin Swaps: Convert USDC, USDT, USDG, and PYUSD on Solana to CASH with zero Phantom fees.
  • Peer-to-Peer Payments: Instantly send CASH to other Phantom users for free using their @username.
  • DeFi Earning: As CASH is an on-chain Solana token, it can be deposited into external DeFi protocols like Kamino Finance to earn yield.
  • Unified App: A single interface for the crypto wallet, trading, bank transfers (ACH/wire), and card spending.

Rewards

The Phantom Cash Card does not offer a cashback or rewards program at launch. All purchases earn 0% cashback. Phantom has publicly stated that a rewards program is planned for the future, but no specific rates or timelines have been announced.

Availability

US only (excluding NY, AK); available in 48 states and Washington D.C. via staged waitlist rollout. International expansion planned with EU/UK expected next, likely in 2026 or later.

Top-up & funding

  • ACH deposit
  • Wire deposit
  • Direct deposit
  • Debit card top-up via Stripe
  • In-app swap from supported Solana tokens
  • Stablecoin conversion (USDC, USDT, USDG, PYUSD)

Instant for swaps; ACH includes same-day option

Security & custody

  • Biometric authentication
  • Encrypted key storage
  • Seed phrase backup
  • Card freeze/unfreeze controls
  • Real-time transaction monitoring
  • Email/mobile recovery system

Risk note. While the wallet is self-custodial, the CASH stablecoin itself is a crypto asset backed 1:1 by USD reserves held by Bridge Building Inc. in segregated accounts. These underlying crypto assets are not FDIC-insured.

Mobile wallets

Apple Pay Supported
Google Pay Supported
Samsung Pay Not supported

Card tiers

Standard Phantom Cash Card

Cashback
0%
Card material
Virtual only (physical coming soon)
ATM free
Not available
Issuance fee
$0
Requirements
18+ years old, US resident (excluding NY/AK), KYC verification
  • Gasless transactions
  • Fee-free stablecoin swaps
  • Instant virtual card in-app

Banking services

● Direct Deposit

Users can receive salary via direct deposit. Free ACH deposits and withdrawals including same-day. Domestic wire deposits free on Phantom side.

Risks & limitations

Risks
  • RegulatoryProduct unavailable in NY (BitLicense requirement) and AK (money transmitter licensing)
  • CounterpartyCASH stablecoin balances are not FDIC-insured as they are crypto assets, not bank deposits
  • MarketNew product launched late 2025 with limited track record
Limitations
  • majorCurrently US-only (excluding NY and AK)
  • moderateNo cashback or rewards at launch
  • moderateVirtual card only (physical card coming soon)
  • majorATM withdrawals completely disabled
  • minorInternational purchases incur 1% + $0.30 fee
  • moderateIndividual user balances are not FDIC-insured as CASH is a crypto asset

Roadmap

Recently shipped
  • Launched late 2025 with staged waitlist rollout
Planned
  • Cashback rewards program (timeline TBD)
  • Passive yield on CASH balances (late 2025 expected)
  • Physical debit card (priority waitlist users first)
  • Stripe Checkout integration for broader online merchant acceptance
  • International expansion (EU/UK expected next)

Best suited for

Solana ecosystem participants who already hold SOL, USDC, or other Solana-based assets and want frictionless spending; crypto-native individuals comfortable with self-custody who prefer controlling funds over trusting centralized exchanges; early adopters willing to use new products in exchange for cutting-edge functionality.

Our verdict

Phantom Cash Card represents a groundbreaking approach to crypto payments by successfully merging self-custodial cryptocurrency storage with traditional payment rails. The card's standout features include true self-custody, gasless transactions, fee-free stablecoin conversions, and seamless integration with the broader Phantom wallet ecosystem. With no monthly fees and transparent pricing for domestic use, it offers a compelling value proposition for Solana-focused users seeking to spend crypto without the friction of traditional exchange-to-bank transfers.

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