Common questions about your Cash account, including CASH, yield, identity verification (KYC), and the Phantom debit card. 

General #

What can I do with Cash? #

Cash lets you use crypto like everyday money. See Understanding your Cash account for details.

What is a Cash account? #

Your Cash account is a separate Solana address that's tied to a unique identifier in your Phantom profile, and it appears alongside your other accounts in Phantom. Your Cash account is designed to hold CASH, a USD-pegged stablecoin, and it shows your balance in USD.

Your Phantom profile (the same identity that powers your Phantom username) is linked to both your regular Phantom wallet accounts and your dedicated Cash account.

Where can I see my Cash account? #

In your Phantom mobile app, open the Home tab. Then look for the Cash section at the top. If you just created your wallet recently and haven't funded it yet, the Cash section does not display. Fund your wallet first.

Can I use Cash in the browser extension? #

No. Your Cash account is available only in the Phantom mobile app. There's no browser extension support for Cash at this time.

Where is Cash available? #

Cash is available worldwide. Offchain features are available in the US only (except NY). See Understanding your Cash account for details.

Can anyone pull CASH out of my Cash account? #

No. Only you control your Cash account. Your balance is held in a self-custodial smart-contract wallet on Solana, which means:

• Only you can move funds using your wallet credentials.
• Phantom, Bridge, Link, or any partner can't access or withdraw your funds.
• No one can pull money out without your authorization.

You can always move your Cash account balance yourself by sending funds to another Phantom user or Solana wallet, or by swapping into tokens on Solana.

Can I use a Ledger wallet with Cash? #

Partially. The Sell Crypto funding option isn't available for Ledger accounts.

Can I close my Cash account? #

Yes. See What happens when your Cash account is closed for details.

What if I change my Phantom username? #

Your Cash account remains under your control. It's tied to a unique identifier in your Phantom profile, not your username.

Can I use Apple Cash with Cash? #

Apple Cash Debit Card is not supported as a funding method for Cash. However, you can use your Phantom debit card to fund Apple Cash, up to $500 per week.

How can I share feedback about Cash? #

We read every piece of feedback. To share your thoughts, open Cash, tap the three-dot icon in the upper right, and tap Feedback.

Transfers #

How can I send or withdraw funds from my Cash account? #

See Send money from your Cash account and Withdraw money from your Cash account directly to a US bank for details.

How long do bank withdrawals take to process? #

Transfer times depend on the speed you select and your bank's funds availability policy. See How long do Cash bank withdrawals take? for details.

Can I send CASH to exchanges? #

Yes, with limited support. See CASH on exchanges and brokerages for a list of compatible exchanges.

Swaps #

How can I swap with my Cash account? #

See Swap crypto with your Cash account for details.

Identity verification #

Is identity verification required to use Cash? #

Identity verification (KYC) is optional for most Cash features. You can swap tokens in and out of your Cash account, send funds to Phantom users and Solana wallets, and withdraw to your Phantom wallet, all without KYC. To access bank deposits, withdrawals, and the Phantom debit card, KYC is required. It's available only in the US (except NY).

What do I need to verify my identity? #

Identity verification (KYC) is available in the US only (except NY). Phantom uses progressive verification with three levels. You start with basic information (name, email, address) and can provide more over time (Social Security number, government-issued ID) to unlock higher funding limits. An Individual Taxpayer Identification Number (ITIN) is not accepted.

Who handles identity verification for Cash? #

Identity verification for Cash is handled by Link, our identity verification partner. Phantom receives your verification status, not your identity documents. We do not store any personal information except your email.

How does Phantom use my KYC information? #

When you complete identity verification (KYC), your verification status is linked to a unique identifier associated with your Phantom profile.

Can I have more than one Cash account with the same identity information? #

Yes. You can have multiple Cash accounts under different Phantom profiles, and you can onboard each one using the same identity information, including email and phone number. However, having multiple Cash accounts may cause unexpected issues. If you run into problems, contact Phantom Support.

Can I delete my identity information? #

Yes. You can request Link to delete your identity documents, payment method, or your entire Link account. See Delete information saved with Link for details.

Phantom debit card #

How do I get my Phantom debit card? #

After you complete identity verification (KYC), you'll be prompted to accept the card terms of use and activate your card. If you skip this step, the card won't be created. Return to the Cash section later to finish activation. If you don't see the prompt, you may need to reverify to get a card.

Why do I need to verify my identity for the debit card? #

The Phantom debit card is issued through a regulated card program partner and is subject to applicable financial and identity-verification requirements.

Is the Phantom debit card available in my country? #

The virtual Phantom debit card is available only in the US (except NY). We don't have a timeline to share for other regions.

Is there a physical Phantom debit card? #

No. The Phantom debit card is virtual only. You can use it anywhere Visa is accepted by adding it to Apple Pay or Google Pay for contactless payments, or by entering your card details manually at checkout.

How does the Phantom debit card work? #

Your Phantom debit card is a stablecoin-linked Visa card that works anywhere Visa, Apple Pay, or Google Pay are accepted. When you pay, Bridge (our payments provider) draws CASH from your Cash account balance and converts it to USD, so the merchant is paid like any standard Visa transaction. You can use your card online, in apps, and in-store wherever Visa is accepted.

Onchain, you'll see a transfer from your Cash account to Bridge's debit-card smart contract. Merchant names, items, and receipts aren't visible onchain.

Can I use my Phantom debit card with Apple Pay or Google Pay? #

Yes. You can add your Phantom debit card to Apple Pay or Google Pay in the Phantom app or in the respective wallet app. Once added, you can use your card for contactless payments and online purchases.

How can I change the name on my Phantom debit card? #

Contact Phantom Support.

Can I view the statement for my Phantom debit card? #

On the Home tab, tap Cash, then look for the History section.

I received an email from @bridge.xyz. Is it legitimate? #

Yes. Bridge is Phantom's payments partner and powers bank deposits, withdrawals, and the Phantom debit card. Bridge may contact you from support@bridge.xyz to request additional information related to your transactions.

If you receive such an email, do your best to provide the information requested. This is required to keep your account in good standing and to ensure your funds are processed correctly.

If you're unsure whether an email is genuine, contact Phantom Support to verify before responding.

Yield #

How can I earn yield with CASH? #

You can earn yield with your CASH by depositing it into apps such as Kamino. For more details, see Earn yield with CASH on Kamino.