Get started with Cash

Cash is a set of financial tools built into Phantom. Hold, send, receive, and spend money in one place, your Cash account, powered by crypto and built for everyday use.

Access your Cash account

If you have a Phantom username, you have a Cash account. Find it on the Home tab, under Cash.

If your wallet is empty, the Cash section does not appear on Home. But your Cash account can be seen when you open the Trade tab, as the default destination account for a swap.

View your Cash history

Your Cash transaction history is in the History section on the Cash tab. This includes onchain transactions such as swaps, sends to Phantom users and Solana wallets, and offchain transactions (US only, except NY) such as bank deposits, withdrawals, and purchases with your Phantom debit card.

Verify your identity (US only)

Identity verification (KYC) is required for bank deposits, bank withdrawals, direct deposit, and the Phantom debit card. Handled by Link (Stripe), and available in the US only, except NY.

1. On the Home tab, tap Cash. If the Cash section is not available on Home, tap the + button in the lower right, then tap Add Cash.
2. Next to Verify Your Account, tap Start.
3. Enter your US phone number and verify it.
4. Provide the information requested. See Verification levels for what is asked at each level.

You'll receive a notification when verification is complete. Phantom uses progressive verification, so you don't need to complete all levels at once. Phantom will prompt you when a higher level is needed. Phantom may also ask you to provide additional information at any time. See Funding limits for how your level affects how much you can add.

Once verified, you can also activate your Phantom debit card to spend your balance anywhere Visa is accepted. See Use your Phantom debit card.

Verification levels

Each level builds on the one before it. Moving up unlocks higher funding limits.

Funding limits

How much you can add depends on your verification level and the payment method you use. These are minimum weekly limits. Limits can increase over time as you continue to transact. All limits use rolling time windows, not fixed calendar weeks.

Individual deposits may also be subject to per-transaction limits depending on your payment method. For details, see Add Cash from within the US.

Common issues

My identity verification is pending

Verification usually takes a few minutes. In some cases it may take longer while additional checks are completed. You'll receive a follow-up email once it's done. No action needed in the meantime.

For more details, see How long does verification take?

I want to change the phone number used for verification

Delete your existing Link account and restart verification with the correct number.

1. Open app.link.com/settings.
2. Enter the email address you used for verification in Cash.
3. Delete your Link account.
4. Restart identity verification in Phantom and enter the correct number.

I want to delete my identity documents

1. Open Delete information saved with Link.
2. Click the link in the Delete identity documents section.
3. Enter the email address you used for verification in Cash.
4. Link will send you an email.
5. Click the link in the email to confirm deletion.

I want to delete my Link account

1. Open app.link.com/settings.
2. Enter the email address you used for verification in Cash.
3. Follow the prompts.

I can't complete identity verification

Common causes include:

• Blurry, dark, or cropped images
• Expired or unsupported ID documents
• File format issues
• Camera and microphone permission issues
• Mismatched personal information

See Troubleshooting ID upload for identity verification and Best practices for successful ID verification.

I failed verification multiple times and can't retry

If you can no longer retry, you won't be able to access Cash offchain features. Contact Link support at support.link.com.