Every address on every chain is derived from the same phrase on your device, so there is no per-chain account to create, fund, or separately back up. Adding a chain is a registry change on our side, not a new wallet on yours.
USDC and USDT balances are aggregated into a single figure across the chains that carry them, so you see what you own rather than a list of per-network fragments. The chain is still chosen explicitly whenever you send, because that is the part that actually has to be right.
Check what a specific asset can do
- 1
Open the wallet tab and tap the asset you are interested in.
- 2
Check which chain a balance sits on before sending.
USDC on Polygon and USDC on Base are the same token on different networks. Sending to an address on the wrong network is the single most common way people lose stablecoins.
- 3
Use Bridge if the balance is on the wrong chain for what you want to do.
Bridging moves the same USDC between networks. It is not a trade and there is no price involved.
Good to know
- Not every capability applies to every asset. Earn and autopay are stablecoin features because they rely on token allowances; bridging is USDC-only because it uses Circle's CCTP.
- Bitcoin is supported both on-chain and over the Lightning Network, with the Lightning node running on your own phone from your own seed.
- Inbound transfers from unverified token contracts are quarantined and flagged rather than counted as balance, so a fake token airdropped to your address cannot impersonate real money.
Frequently asked
No. SpendTheBits is a self-custody wallet, not an exchange: there is no order book, no swap, no trading pair and no fiat on-ramp or off-ramp.
No. Circle's CCTP burns USDC on the source chain and mints identical USDC on the destination chain at 1:1. There is no price, no spread and no counterparty taking the other side.
Chains are added as a registry entry, so the marginal cost of a new one is low. Support for a chain is announced when it ships rather than promised in advance.
Get SpendTheBits
A fully non-custodial wallet for 13 chains, free on iOS and Android. Your keys never leave your phone.