Verify your identity for Cash (United States)

Identity verification (KYC) unlocks bank deposits and withdrawals (ACH transfers and domestic wires), direct deposit, and the Phantom debit card. These features are powered by Link (Stripe) and available in the US only, except NY.

When you complete verification, your status is linked to a unique identifier associated with your Phantom profile. We receive your verification status, but do not store any of your personal information except your email.

Start verification

You can start verification from two places:

• On the Home tab, tap Cash, then tap Start next to Verify your identity.
• If the Cash section is not visible on Home, tap the + button in the lower right, then tap Add Cash.

Once verification begins:

1. Enter your US phone number and verify it.
2. Provide the information requested. See Verification levels for what is asked at each level.

Verification levels

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

Note: An Individual Taxpayer Identification Number (ITIN) is not accepted. A Social Security number is required.

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 Funding limits in Add Cash to Phantom.

Other limits

Change the email address used for verification

To change the email address used for identity verification in Cash, contact Phantom Support.

Change the phone number used for verification

To change the phone number used for identity verification in Cash, delete your existing Link account and restart verification with the new 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 new number.

Change the mailing address used for verification

To change the mailing address used for identity verification in Cash, delete your existing Link account and restart verification with the new mailing address.

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 new mailing address.

Delete your 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.

Delete your Link account

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

FAQ

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.

For full details on each level and funding limits, see Verification levels in Get started with Cash.

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.

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.

Common issues

My identity verification is still 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 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.

I don't see a verification prompt

If you tap Add Cash but don't see a Verify Your Account prompt, make sure you're on your primary account (the wallet created with your Google or Apple login), not an imported private key or recovery phrase account. Cash is tied to your seedless wallet.

If you're on the correct account and still don't see the prompt, contact Phantom Support.