22 articles
SpendTheBits help centre
Step-by-step answers for every part of the app — creating and backing up a wallet, sending and receiving, earning yield on idle stablecoins, autopay and streams, bridging USDC, recovery, inheritance and the security controls. Each article answers its question in the first paragraph.
Getting started
Create a wallet, back it up, and move it to a new phone.
How to create a non-custodial wallet in SpendTheBits
Create a non-custodial wallet in SpendTheBits: install the app, generate a seed phrase on your device, verify the backup, and start receiving on 13 chains.
4 min read
How to back up your recovery phrase
Back up your recovery phrase safely: view it behind biometrics, record it offline, verify it with the backup quiz, and add guardians as a second route.
4 min read
How to restore your wallet on a new phone
Restore your wallet on a new phone with your recovery phrase: install, choose Restore, enter the phrase and any passphrase, and let balances re-sync.
3 min read
Which chains and tokens are supported
SpendTheBits supports 13 blockchains and about 18 coins and tokens from one seed, including Bitcoin over Lightning, USDC, USDT and RLUSD.
3 min read
Sending & receiving
Addresses, @handles, Lightning, and what to check before you sign.
How to send crypto from SpendTheBits
Send crypto to an address or an @handle: pick the asset and chain, check the screening result and the fee, then sign on your own device.
4 min read
How to receive crypto in SpendTheBits
Receive crypto with your address, QR code or @handle. It is free, needs no unlock, and tokens from unverified contracts are quarantined automatically.
3 min read
Earn
Yield on idle stablecoins, safety scoring, and getting money back out.
How to earn yield on USDC without giving up custody
Earn yield on idle USDC in SpendTheBits: deposit into a vetted on-chain vault your own keys control, see observed rates, and unwind just-in-time when you spend.
5 min read
What is the Yield Safety Score
The Yield Safety Score is a 0-100 rating on each Earn vault that prices its risk rather than its return, and it drives risk-adjusted deposit routing.
3 min read
How Treasury Auto-Defense works
A circuit breaker that exits an Earn position to liquid USDC when a vault's safety score breaches its threshold, bounded to withdraw-to-owner only.
3 min read
How to withdraw from Earn
Withdraw from an Earn vault: pick the position, enter an amount, review the gas and the fee taken on the yield you earned, then sign on-device.
3 min read
Autopay, streams & agents
Recurring payments, per-second streams, and getting paid by AI agents.
How to set up recurring crypto payments
Set up recurring stablecoin payments with one signature: a revocable on-chain allowance caps the whole schedule, and each run is a plain transfer.
4 min read
How to create a money stream
Create a per-second money stream for salary, rent or vesting. The recipient accrues continuously and claims any time; the unpaid float keeps earning.
4 min read
How to get paid by AI agents with x402
Turn your SpendTheBits @handle into an x402-payable endpoint so AI agents can pay you in USDC over HTTP 402, settling to addresses only your keys control.
5 min read
Bridging & gift cards
Move USDC between chains, and spend crypto at real brands.
How to bridge USDC between chains
Bridge USDC between chains with Circle CCTP: your device signs the burn, Circle attests, and identical native USDC mints on the destination chain.
4 min read
How to buy a gift card with crypto
Buy brand gift cards with crypto: pick a brand, accept a fixed quote, and pay straight from your wallet to the provider. Funds never pass through us.
3 min read
Security & recovery
Guardians, inheritance, spending limits, freeze, and scam defence.
How to set up social recovery with guardians
Set up guardian-based social recovery: choose guardians, pick an M-of-N threshold, and keep a second route into your wallet. We store only ciphertext.
4 min read
How to set up crypto inheritance
Set up a dead-man's-switch inheritance plan: nominate heirs and set a silence period, so a claim can only begin after genuine, prolonged inactivity.
4 min read
How to set spending guardrails and limits
Set spending guardrails in SpendTheBits: per-transaction and daily caps, a recipient allowlist, and quiet hours — enforced before a transaction can be signed.
3 min read
How to freeze your wallet
Freeze your wallet to stop outbound activity immediately if your phone is lost or you suspect compromise. Receiving continues and you keep your keys.
3 min read
How to spot a fake token or scam transfer
Spot fake tokens and scam transfers. Unverified contracts are quarantined and address poisoning is guarded against, but that dust transfer is bait.
4 min read
Books & troubleshooting
Accounting exports, stuck transactions, and things that look wrong.
How to export crypto transactions for taxes
Export crypto transactions for taxes: FIFO or HIFO cost-basis lots, realized and unrealized P&L, and a QuickBooks/Xero general-journal CSV.
4 min read
Why is my transaction still pending
Why a crypto transaction stays pending: congestion, an underpriced fee, a bridge awaiting attestation, or a sync lag. How to tell which, and what to do.
4 min read