Phantom’s terms describe a self-custody wallet that links users to independent market-maker quotes and decentralised applications. The Swap feature can remain on one chain or use a bridge. Phantom Cash is a related product with its own funding and conversion charges, so its free routes do not make every wallet swap free.[1][2][5]
Same-chain and cross-chain execution
Sections ↑Reference table01
Available route families
| Item | Published treatment | Practical scope |
|---|---|---|
| Same-chain | Exchange between tokens on one blockchain | Needs compatible liquidity and gas |
| Cross-chain | Bridge-assisted token exchange | Multiple networks and providers can participate |
| Independent dApp | External service opened from wallet | Separate terms and route behaviour |
Reference table02
Cross-chain provider selection
| Item | Published treatment | Practical scope |
|---|---|---|
| Default quote | Lowest-priced available route under help description | Compare provider, output and timing |
| Manual selection | Another available provider can be chosen | Cost and delivery estimate can change |
| Providers named | LI.FI, Mayan, Relay, deBridge and Garden | Not every provider serves every pair |
Reference table03
Cross-chain transaction stages
| Item | Published treatment | Practical scope |
|---|---|---|
| Preparation | May swap or wrap the source asset | An intermediate token can be required |
| Origin chain | Lock or burn through the route | Origin confirmation is only one stage |
| Destination | Release or mint, sometimes followed by a swap | Receipt depends on destination processing |
| Completion | Final asset arrives on destination chain | Check the final transaction, not only the initial hash |
Swap, network and Cash costs
Sections ↑Reference table04
Wallet swap charges
| Item | Published treatment | Practical scope |
|---|---|---|
| Most swaps | 0.85% Phantom fee | Separate network and route costs |
| Perps balance deposit | Swap-fee exemption described | Not an exemption for later derivatives trading costs |
| Eligible stablecoins into Cash | Specific free conversion routes | Direction and network matter |
| Cross-chain / Robinhood Chain minimum | US$2 published minimum | Does not promise the route exists at that size |
Reference table05
How fees are displayed
| Item | Published treatment | Practical scope |
|---|---|---|
| Buy / sell interface | Network display can include bridge costs | Inspect the total quote |
| Trade screen | Network fees can be shown separately | Do not add the same fee twice |
| Bridge route | Network plus provider charges | Different from the 0.85% platform component |
Reference table06
Slippage and Solana custom settings
| Item | Published treatment | Practical scope |
|---|---|---|
| Manual slippage | 0.1%–30% | Higher tolerance accepts a wider adverse move |
| Solana priority fee | 0.00001–1 SOL adjustable range | Extra fee is not guaranteed execution speed |
| Solana tip | 0.00001–1 SOL adjustable range | Separate from the priority fee |
| Price impact | Already reflected in expected receive amount | Raising slippage does not remove it |
Reference table07
Cash stablecoin conversion directions
| Item | Published treatment | Practical scope |
|---|---|---|
| USDC / USDT / USDG / PYUSD on Solana into Cash | Free | Eligible inward route |
| Cash into USDC | Free | Reverse route differs from other stablecoins |
| Cash into USDT / USDG / PYUSD on Solana | 0.85% | Not a symmetric free round trip |
| Other tokens into or out of Cash | 0.85% | Separate token/network availability |
Reference table08
Cash funding and cash-out tariff
| Item | Published treatment | Practical scope |
|---|---|---|
| Debit card via Stripe | 1.75% | Includes supported Apple/Google Pay use |
| Credit card via Stripe | 3.50% | Partner charges may be additional |
| US direct deposit / domestic wire | 0.30% / 1.00% | Bank or payroll charges may be additional |
| Standard ACH withdrawal | Free | US eligibility applies |
| Fast ACH | US$1 + 0.75%; minimum US$1.50 | Different from standard ACH |
Native gas and first-time account costs
Sections ↑Reference table09
Published suggested gas reserves
| Item | Published treatment | Practical scope |
|---|---|---|
| Solana | 0.02 SOL | Suggested balance, not a flat swap charge |
| Ethereum mainnet | 0.002 ETH | Congestion changes actual cost |
| Base | 0.002 ETH | ETH must be on Base |
| Polygon | 0.5 POL | Native gas differs from token balance |
| BNB Chain | 0.01 BNB | Chain-specific reserve |
Reference table10
Gas and account-creation events
| Item | Published treatment | Practical scope |
|---|---|---|
| Failed processed transaction | Gas is not refundable | Network processed work even if swap failed |
| First CASH receipt | Solana account-setup cost may apply | Network requirement, not Phantom service fee |
| Previously emptied CASH account | Setup charge may recur | Balance history affects the recipient cost |
Key control and transaction authority
Sections ↑Reference table11
Responsibility under the wallet terms
| Item | Published treatment | Practical scope |
|---|---|---|
| Wallet keys | Remain controlled by the user | Phantom says it is not wallet custodian |
| Authorised access | User is responsible for wallet access | An app login is not a custodial recovery guarantee |
| Third-party route | Separate terms and fees | A familiar wallet does not remove protocol exposure |
Wallet, Cash and route restrictions
Sections ↑The wallet terms require legal capacity and exclude sanctioned or otherwise prohibited users. Asset and feature availability varies by jurisdiction. The Cash help links describe US bank withdrawal and debit-card functions excluding New York; that limitation must not be generalized to every wallet swap or ignored when using Cash.[1][5]
Diagnosing a pending or failed swap
Sections ↑Reference table12
Transaction evidence
| Item | Published treatment | Practical scope |
|---|---|---|
| No quote | Asset pair, chain and amount | May indicate unsupported or insufficient liquidity |
| Submitted swap | Transaction hash and network | Check status before retrying |
| Cross-chain delay | Provider plus origin/destination hashes | Separate bridge progress from wallet display |
| Output disagreement | Quoted receive amount and slippage settings | Distinguishes price impact from later movement |
Wallet software is not a blanket exchange licence
Sections ↑Phantom Technologies, Inc. is the software provider named in the terms. Its wallet can expose third-party trading and financial functions without becoming the custodian or licensed provider of all of them. This profile does not assign one global exchange authorisation to the wallet.[1]
The feature boundary
Sections ↑Ordinary swaps, cross-chain routing and Cash are presented separately because each changes the cost and settlement path. A free Cash conversion in one direction, a perps funding exemption or a suggested gas reserve should never be substituted for the fee on a different transaction.[5][2][6]
- Operator
- Phantom Technologies, Inc. (wallet interface); third-party swap markets execute routes
- Exchange model
- Hybrid
- Service scope
- Phantom’s self-custody interface combines same-chain and cross-chain quotes. The usual 0.85% swap fee, network costs, slippage settings and separate Cash features have different conditions.
- Client types
- Retail clients
- Pricing publication
- Public pricing
- Pricing scope
- Most wallet swaps: 0.85% plus network/provider costs. Cash conversion direction and US funding method have separate tariffs.
- Funding scope
- Wallet tokens plus chain-native gas; eligible US Cash funding and withdrawals have separate Stripe, bank and ACH fees and restrictions.
- Custody and asset handling
- Users maintain wallet keys; on-chain route and bridge contracts may temporarily hold or release tokens; Phantom Cash is a distinct product with its own financial partners.
- Client eligibility
- Wallet and quote eligibility vary by networks, coins, residence, route and third-party provider; Cash account products require separately eligible status.
- Support
- Phantom official help chat; retain transaction hash, route provider and quote/settings for swap cases.
- Authorisation and registration scope
- Phantom Technologies Inc supplies self-custody software, not a general regulated securities exchange. Independent market makers, DEXs and financial partners carry distinct legal responsibilities.
Exchange metadata checked 26 Oct 2026Source 1Source 2Source 3Source 4Source 5Source 6
Covered contracting entities
Phantom Technologies, Inc.
- Jurisdiction
- United States
- Covered services
- Self-custody software, quoted swap interface and applications
- Client and location scope
- Users eligible under March 2026 terms
Sources & further reading
- Phantom Technologies terms of use, March 2026 Phantom · Accessed 26 Oct 2026
- Swap crypto in Phantom guide and fees Phantom Help · Accessed 26 Oct 2026
- Cross-chain swap mechanics and bridge fees Phantom Help · Accessed 26 Oct 2026
- Phantom swap settings slippage, priority fees and providers Phantom Help · Accessed 26 Oct 2026
- Phantom Cash account separate costs Phantom Help · Accessed 26 Oct 2026
- Phantom guide to chain gas requirements Phantom Help · Accessed 26 Oct 2026
This profile reports dated public information, including exchange-published services and terms. It does not independently test or guarantee trading, custody, pricing or withdrawals. Inclusion is not an endorsement. Permissions and protections apply only to the named legal entity, service and client category; check the current official records and your contract.