Bancoli vsPhantom.

Phantom Cash focuses on personal spending and trading. Bancoli connects business invoices, USD receipts and international supplier payments. Compare bank funding costs and who can use each route; both offer self-custody. [3] [4] [5]

Get started with BancoliCompare the details

Everyday Cash or supplier payments.

Receive USD
Phantom Cash: US direct deposits and domestic wires; excludes New YorkBancoli: Business ACH and RTP receiving
Hold
Phantom Cash: CASH on Solana, in self-custodyBancoli: Supported stablecoins, in self-custody
Pay
Phantom Cash: Cash transfers and eligible US card spendingBancoli: Local supplier payouts in 40+ currencies

Phantom Cash is broadly available; its bank-transfer and card features are US-only, excluding New York.

Where the products differ.

Compare the published product, fees and who the account is for.
What mattersPhantomBancoli
USD bank receivingUS direct deposits and domestic wires into Cash. Excludes New York; identity verification required. [3] ACH/RTP conversion 1:1. Up to $100,000 per receipt, with no overall monthly limits. [5]
USD receiving feesDirect deposit 0.30% · domestic wire 1.00%. The sender’s bank or payroll provider may charge extra. [1] ACH/RTP receiving: Free $2 · Plus $1 · Premium $0 · Enterprise custom. Conversion is 1:1. [6] [5]
Control of your fundsSelf-custodial Solana wallet. Phantom and its partners cannot withdraw funds without your authorization. [4] Your supported stablecoins remain your direct property in your self-custodial wallet.[5]
Stablecoin balanceCASH, a USD-pegged Solana stablecoin. Supported Solana stablecoins can convert into Cash. [3] [1] Supported USDC, USDi or USDT in your self-custodial Smart USD wallet. [5]
Account availabilityCash in most countries, except US-sanctioned jurisdictions. Bank routes and card: US only, excluding New York. [4] [3] Businesses in 150+ jurisdictions. Bancoli checks registration and each beneficial owner’s tax residence; the business and owner can be in different countries.[7]
Making paymentsCash transfers to Phantom or Solana wallets. US bank withdrawals and card spending exclude New York. [3] [2] 40+ currencies at mid-market. 25+ without FX fees; selected additional routes charge 1%. [5]

What it costs to add USD from a bank.

Phantom Cash bank funding is US-only, excluding New York. Bancoli receives business USD by ACH/RTP. For Bancoli supplier payouts, monthly included FX volume varies by plan; 0.5% applies above it. See pricing.

See plans, fees and included volume

Phantom Cash

Direct deposit

0.30% from a US bank account.[1]

Domestic wire

1.00% from a US bank account. The sending bank or payroll provider may charge extra.[1]

Availability

US except New York; identity verification required.[3]

Bancoli

ACH and RTP receiving

$2 on Free, $1 on Plus, $0 on Premium; custom on Enterprise.[6]

USD conversion

1:1 into supported stablecoins. Conversion and the receiving fee are separate.[5] [6]

Receiving limits

Up to $100,000 per ACH/RTP transaction, with no overall monthly limit.[5]

Choose for the payments you make.

Bancoli for business payments

A fit when invoice collections need to feed local supplier payments, with bank USD and supported stablecoins in one business workflow. [5]

Phantom for personal Cash payments

Hold CASH in a self-custodial Solana wallet and use it for transfers or trading. US residents outside New York can also access bank transfers and the virtual card.[4] [3]

Check who the product is for.

Phantom

Cash is available in most countries through the Phantom mobile app. Stripe funding is available in the US except New York and in the EU. US bank transfers, domestic wires, USD withdrawals and the debit card are available only in the US except New York and require identity verification.[4] [3]

Bancoli

Bancoli supports businesses registered in 150+ jurisdictions, checks the business registration and each beneficial owner’s tax residence. The business does not have to be in the same country where the owner lives.[7]

Check Bancoli eligibility
More about the products and eligibility
Personal spending

Phantom Cash supports transfers and a virtual card; its US bank and card features exclude New York.[3]

Business collections

Bancoli combines invoicing with ACH, RTP and supported stablecoin receiving.[5]

Supplier payments

Bancoli pays locally in 40+ currencies at mid-market rates, with no FX fee in 25+.[5]

A few useful answers.

Sources and methodology

Official product, pricing and support pages reviewed on November 10, 2026.

  1. 01
    Phantom Cash feeshelp.phantom.com
  2. 02
    Withdraw Cash to a bank account (US)help.phantom.com
  3. 03
    Understand your Cash accounthelp.phantom.com
  4. 04
    Cash general FAQhelp.phantom.com
  5. 05
    Bancoli product specifications
  6. 06
    Bancoli pricingbancoli.com
  7. 07
    Bancoli eligibilitybancoli.com