Your keys. Your ownership.
One super app.
SpendTheBits is a fully non-custodial crypto and stablecoin super app. Hold 13 coins and tokens across 10 chains — including Bitcoin, XRP, TRON and Lightning — from one seed, pay and stream money, bridge across chains, and buy gift cards — all without ever handing over your keys.
Keys stay on your device
Generated and stored only in your phone’s secure keychain.
We can’t 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.
Balances, activity and payments — one calm, fast interface that 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.
The non-custodial guarantee
We built it so we can’t touch your money.
Self-custody isn’t a marketing line here — it’s 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. Automated actions are 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’s on your phone
Prepare
Signsecret never leaves
Relay
Custodial app vs SpendTheBits
Same conveniences. None of the custody.
Who holds your keys
The company
Only you, on your device
Can your funds be frozen
Yes — at the company's discretion
No — they live on-chain under your key
If the company shuts down
Your access is at risk
Restore your seed in any wallet
Recurring payments
They pull from your balance
A revocable allowance you sign once
Can AI move your money
Varies
Never — it can only prepare; you sign
One seed, ten chains
All your assets, one recovery phrase
Frequently asked
Yes — fully. Your seed phrase and private keys are generated and stored only on your device, in the OS keychain, and never reach our servers. The backend only ever sees public data like addresses and extended public keys. We prepare unsigned transactions and relay what your device signs; we can never move your funds.
Your funds live on-chain, controlled by keys only you hold. Because nothing custodial sits between you and the blockchain, you can restore your seed phrase into any compatible wallet and keep full access — independent of us.
They use a revocable on-chain allowance (an EIP-2612 permit) that you sign once. It caps the maximum that can ever move and you can revoke it at any time. It is an allowance, not an escrow — your funds stay in your own wallet until each transfer happens.
One seed derives addresses for Bitcoin, Litecoin, Ethereum, BNB Chain, Polygon, Avalanche, Solana, XRP, TRON and Flare, plus the USDC and USDT stablecoins (USDT on both Ethereum and TRON) and Flare's FXRP. Bitcoin can also move instantly over Lightning. Polkadot (DOT) is display-only.
Yes — and non-custodially. A Lightning node runs on your phone, initialized from your own seed, so you pay invoices and Lightning addresses (and receive at your own @handle Lightning address) without any server-side node, hot key, or channel we control. Our servers only coordinate with public data like invoices and payment hashes.
Take back custody. Keep the convenience.
Download SpendTheBits and hold your crypto the way it was meant to be held — by you.