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SpendTheBits

Everyday multi-chain users

One seed. Eighteen assets. Zero exchange accounts.

Most people's crypto is scattered: coins on an exchange, a browser wallet for one chain, a mobile app for another, and a seed phrase per app. Every extra place is another login, another risk, another thing to back up.

SpendTheBits collapses all of it into one non-custodial app: a single recovery phrase derives Bitcoin, Ethereum, Solana, XRP, TRON, Flare, Sui and more — 18 assets across 13 chains — with every key generated and stored only on your phone.

How it plays out

A week on SpendTheBits

  1. 1

    Set up once, hold everything

    Create a wallet in under two minutes; one BIP-39 seed derives an address on every supported chain. Restore that same seed into any compatible wallet, any time — you are never locked in.

  2. 2

    Bitcoin that settles in a second

    A Lightning node runs on your phone, initialized from your own seed. Pay invoices and Lightning addresses — and receive at your own @handle — with no server node or custodial channel behind it.

  3. 3

    USDC that acts like one balance

    Your USDC shows as a single balance across every chain it lives on. Sends pick the right chain automatically, and Circle CCTP moves it natively between chains when you want it somewhere cheaper.

  4. 4

    Try the whole thing with play money

    Flip to testnet in Settings and practice sending, receiving, and bridging with worthless test coins until you're comfortable. Same app, same flows, zero risk.

Still non-custodial. Every step above runs on the prepare-on-server, sign-on-device model — your keys never leave your phone, and every automation is a scoped, revocable allowance. See how →

The features doing the work

Multi-chain wallet

Hold Bitcoin, Ethereum, Solana, XRP, TRON and the major stablecoins from a single self-custody seed, with Bitcoin over Lightning built in.

Cross-chain bridge

Bridge USDC between chains via Circle CCTP, your device signs the burn, the transfer settles itself.

Pay, autopay & streams

Send instantly, automate recurring payments, or stream money per-second, all from a revocable allowance you sign once.

Crypto gift cards

Buy gift cards from popular brands by paying in any crypto, the backend never touches your funds.

Questions & answers

Everyday multi-chain users: common questions

Do I need a separate wallet for each blockchain?+

No. One recovery phrase, created and stored only on your device, derives addresses for all 13 supported chains — Bitcoin, Litecoin, Ethereum, Base, Linea, BNB Chain, Polygon, Avalanche, Solana, XRP, TRON, Flare, and Sui.

Is Bitcoin over Lightning really non-custodial here?+

Yes. The Lightning node runs on your phone and is initialized from your own seed. There is no server-side node, hot key, or channel we control — our servers only coordinate public data like invoices and payment hashes.

Can I practice without risking real money?+

Yes — switch to testnet in the app and every flow works with free test coins. Network selection is enforced server-side, so a testnet transaction can never accidentally hit mainnet.

Keep learning

Free on iOS and Android. Your keys from minute one.

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