Frequently asked questions

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.

Only genuine, verified token contracts count as real funds. Inbound transfers from unverified contracts are quarantined and clearly flagged — they are never priced into your balance, and you can hide them entirely. Combined with recipient risk-screening, an address-poisoning guard, and clear-signing, what you see is always what you actually own.

No. The Copilot is strictly prepare-only — it can draft a payment and explain it, but every action still has to be reviewed and signed on your device. AI proposes; your device disposes.

You can restore from your seed phrase, or use social recovery: your secret is split into Shamir shares held by guardians, and recovery requires an M-of-N threshold that you can cancel. There’s also an optional dead-man’s-switch inheritance flow for heirs.

We’re transparent about costs. Blockchain network (gas) fees always apply and go to the network, not to us. Some actions may carry a clearly disclosed service fee that is always shown up front before you confirm — there are no hidden charges, and you can review the full fee schedule in the app.

You can move native USDC between supported chains using Circle’s CCTP. Your device signs the burn transaction and the transfer settles on the destination chain via Circle’s attestation. Any integrator fee is shown before you confirm — and, like everything else, the bridge never takes custody of your funds.

Yes. Pick a brand, get a fixed quote, and pay in any supported crypto. Your device sends the exact amount straight to the provider through the normal wallet flow — SpendTheBits never prices, rounds, or holds your funds. The catalogue is tailored to your country automatically.

Yes. You can switch between mainnet and testnet in the app, so you can explore sending, receiving and other flows without real funds. Network selection is resolved server-side, so the chain you sign for always matches where it’s broadcast.

Trust shouldn’t require faith. Your keys are generated and stored only on your device, the signing code is isolated from the network, and our servers only prepare and relay — never sign. You can read exactly what we store (and never store) in our Trust Center, and you can restore your seed into any compatible wallet at any time.

Yes — SpendTheBits is built for both iOS and Android.