@SuperAppSTBArticle
Most AI agents that pay for things get a card, or a wallet key with no ceiling. In SpendTheBits an agent gets a budget instead. Here is how it works, in three steps. #AIAgents #x402 $USDC
Non-custodial crypto &
stablecoin wallet.
Your keys. Your ownership. One super app. SpendTheBits is a fully non-custodial crypto and stablecoin super app. From a single recovery seed, you hold 18 coins and tokens across 13 blockchains, including Bitcoin, Ethereum, Solana, XRP, TRON, Base, Linea, and Sui, with Bitcoin supported over the Lightning Network. You can earn yield on idle stablecoins, send and stream payments, bridge assets across chains, and purchase gift cards, all without ever surrendering custody of your private keys.
Free to download · No account needed to hold your funds · iOS & Android
BTCBitcoinLTCLitecoinETHEthereumBASEEther on BaseLINEAEther on LineaUSDCUSD CoinUSDTTether (Ethereum & TRON)BNBBNB ChainMATICPolygonAVAXAvalancheSOLSolanaXRPXRPTRXTRONFLRFlareFXRPFlare XRPSUISuiRLUSDRipple USD (XRP Ledger)USDCXRPLUSDC (XRP Ledger)DOTPolkadot
0
coins & tokens from one seed
0
keys or funds we ever hold
0%
non-custodial by architecture
0
platforms, iOS & Android
Keys stay on your device
Generated and stored only in your phone’s secure keychain.
We cannot move your funds
The backend prepares and relays; your device signs.
Open by design
Restore your seed in any compatible wallet, any time.
The whole app, in your pocket
Custodial-grade polish. Non-custodial by default.
Scroll through four everyday jobs. Every screen is the real app, not a mock-up.
Wallet
One seed. Every chain.
Bitcoin, Ethereum, Solana, XRP and the major stablecoins, all derived on your phone from a single recovery phrase. No account is needed to hold your funds.
Explore the walletPay
Pay a handle, not a hex string.
Send to an @handle and the app finds the right chain and route. Your phone builds and signs the payment; the backend only relays it.
See payments
Protect
Guardrails you set, enforced before you sign.
Spending caps, allowlists and quiet hours are checked before a transaction is ever signed, and a freeze switch stops everything at once.
Read the security model
Recover
Recovery that never hands over the keys.
Split your recovery into guardian shares, and set a legacy plan for the people you trust. We store only ciphertext, never a secret.
Social recovery
Circle CCTP v2
Watch USDC cross chains, for real.
Native USDC moves between chains by burning on one and minting on the other, with no wrapped token and no custodian in the middle. This is a genuine transfer recorded in the app.
- ✓
Pay an @handle
Type a name and an amount. If they live on another chain, the app routes it across for you.
- ✓
Review, then approve on your device
Route, fees and estimated time up front. Your phone signs, so the keys never leave it.
- ✓
Burn, attest, mint
USDC is burned on the source chain, Circle attests it, and native USDC is minted on the destination. No wrapped token.
- 4
Arrived
The recipient holds native USDC on their own chain. This run landed in 49 seconds.
- A real screen recording from the app on testnet (Circle Arc to Ethereum, sped up in places). Delivery time varies by chain and network conditions.
x402 · the agent economy
The self-custody wallet for AI agent commerce.
Agents will pay for APIs, data and goods in stablecoins. SpendTheBits lets them earn, spend and be supervised without a custodian, with the keys on your device and the protocol open to any x402 client.
Can I buy today’s weather report?
Your agentData shop
Weather report
$0.01
You, on your phone
Proven with real USDC on mainnet: stock x402 clients paid a handle, an agent bought a gift card from its own budget, and an owner approved a purchase with Face ID. It is an open protocol, so any compatible agent can use it, and developers get the full technical details on the agents page.
Shipping in public
Latest from SpendTheBits on X
We publish what we build and prove, and every post is listed here with a link to the original.
@SuperAppSTBPost
If you missed week one, the coin pour is back. Download SpendTheBits on iOS and Android to hold your own keys and control your digital assets directly. #Web3 #Crypto
@SuperAppSTBPost
We separated issuer risk from custody risk to bring you an honest look at stablecoin security, reserve backing, and updated regulations like the GENIUS Act. Read the full breakdown in our latest X Article 👇 #USDC #Stablecoins #Crypto #SelfCustody #Web3
And everything in between
Balances, activity and payments in one calm interface
It adapts to light or dark, just like this site.
Home
Activity
Transaction
Send
Autopay
Receive
Contacts
Ethereum
Search
Settings
Security
Guardrails
Recovery
Inheritance
Insights
Bridge
Gift cards
Requests
Upcoming
Swipe to explore →
Home
Activity
Transaction
Send
Autopay
Receive
Contacts
Ethereum
Search
Settings
Security
Guardrails
Recovery
Inheritance
Insights
Bridge
Gift cards
Requests
Upcoming
Swipe to explore →
Everything, without a custodian
A custodial app’s features. Self-custody’s guarantees.
Earn, pay, protect and account for your money, every feature is an application of the same prepare-on-server, sign-on-device split.
Who it’s for
Built for how you actually use money
Five very different jobs, one non-custodial app. Pick yours and see the exact features doing the work, step by step.
The non-custodial guarantee
We built it so we cannot touch your money.
Self-custody is not a marketing line here, it is the architecture. Here’s exactly how it holds, even for automation like recurring autopay.
Read the security modelKeys never leave your device
Your seed phrase and passphrase are generated on-device and stored only in the OS keychain (Face ID / biometric gated, device-only, never cloud-backed). The backend stores public data, addresses and extended public keys, never a secret.
Prepare → sign → relay
Our servers only prepare unsigned transaction context and relay what your device signs. Signing happens on your phone, in an isolated crypto layer that is physically forbidden from touching the network or storage.
Allowances, not custody
Recurring payments and streams run on a revocable on-chain allowance you sign once, not an escrow. You can revoke at any time. Earn’s automation is scoped to withdraw-to-you-only and capped by time and amount.
Defense in depth
Recipient risk-screening, an anti-swap broadcast firewall, bank-grade spending guardrails, a one-tap freeze, clear-signing, an address-poisoning guard, and quarantine of unverified scam tokens mean you always see and control exactly what you approve, and only genuine funds ever count as yours.
Prepare → sign → relay
Only one step touches a secret, and it is on your phone
1Server
Prepare
2Your device
Signsecret never leaves
3Server
Relay
Custodial app vs SpendTheBits
Same conveniences. None of the custody.
Typical custodial app
SpendTheBits
Who holds your keys
The company
Only you, on your device
Who holds your keys
Custodial
The company
The company
SpendTheBits
Only you, on your device
Only you, on your device
Can your funds be frozen
Yes, at the company's discretion
No, they live on-chain under your key
Can your funds be frozen
Custodial
Yes, at the company's discretion
Yes, at the company's discretion
SpendTheBits
No, they live on-chain under your key
No, they live on-chain under your key
If the company shuts down
Your access is at risk
Restore your seed in any wallet
If the company shuts down
Custodial
Your access is at risk
Your access is at risk
SpendTheBits
Restore your seed in any wallet
Restore your seed in any wallet
Earn yield on stablecoins
Sometimes, they take custody
Yes, in vaults you control
Earn yield on stablecoins
Custodial
Sometimes, they take custody
Sometimes, they take custody
SpendTheBits
Yes, in vaults you control
Yes, in vaults you control
Recurring payments
They pull from your balance
A revocable allowance you sign once
Recurring payments
Custodial
They pull from your balance
They pull from your balance
SpendTheBits
A revocable allowance you sign once
A revocable allowance you sign once
Can AI move your money
Varies
Never, it can only prepare; you sign
Can AI move your money
Custodial
Varies
Varies
SpendTheBits
Never, it can only prepare; you sign
Never, it can only prepare; you sign
One seed, thirteen chains
All your assets, one recovery phrase
BTCBitcoinLTCLitecoinETHEthereumBASEEther on BaseLINEAEther on LineaUSDCUSD CoinUSDTTether (Ethereum & TRON)BNBBNB ChainMATICPolygonAVAXAvalancheSOLSolanaXRPXRPTRXTRONFLRFlareFXRPFlare XRPSUISuiRLUSDRipple USD (XRP Ledger)USDCXRPLUSDC (XRP Ledger)DOTPolkadot
Frequently asked
No. SpendTheBits is a self-custody wallet, not an exchange. There is no order book, no matching engine, no market maker, no trading pairs and no price-based swaps. You cannot trade one cryptocurrency for another in the app, and we never take custody of your funds — so there is nothing for us to trade against. We are also not partnered with any third-party exchange and integrate no exchange, aggregator, swap router or DEX.
No. SpendTheBits does not offer swaps, trades or conversions between different assets at a market rate. The app is for holding, sending, receiving and earning on the crypto you already own. If you want to trade, you would do that elsewhere and send the result to your SpendTheBits wallet.
No. There is no fiat on-ramp or off-ramp anywhere in the app — you cannot buy cryptocurrency with fiat currency, and you cannot sell cryptocurrency for fiat. SpendTheBits only ever handles crypto you already hold, and it never holds it for you.
No. Bridging moves the same asset between networks: Circle's CCTP burns your USDC on the origin chain and mints the identical USDC on the destination chain at 1:1. The asset does not change, there is no counterparty and no price is involved. It is a transfer between networks, not a trade of one asset for another.
FXRP is your XRP represented on the Flare network, and wrapping is not a trade. It uses Flare's decentralized FAssets protocol at a fixed 1:1 ratio in both directions — wrap XRP into FXRP, unwrap FXRP back into XRP, always one for one. There is no market rate, no spread and no counterparty taking the other side, which is what would make it an exchange. It works like a wrapped-asset bridge, and it exists so XRP holders can access yield on Flare.
Take back custody. Keep the convenience.
Download SpendTheBits and hold your crypto the way it was meant to be held, by you.
Free · Fully non-custodial · No KYC to hold your crypto · Restore your seed in any compatible wallet