SpendTheBits: Crypto Wallet

Spend The Bits Inc.

About this app

SpendTheBits is a self-custody crypto wallet for stablecoins and 13 chains: USDC, USDT, Bitcoin, Lightning, Ethereum, Solana, XRP, TRON and more. Earn yield on idle stablecoins, send, bridge, and get paid by AI agents — your keys never leave your phone.

YOUR KEYS, YOUR CRYPTO
• Fully self-custody crypto wallet: the seed phrase and private keys are generated and stored only in your phone's secure keystore — never on our servers
• One recovery phrase for BTC, LTC, ETH, Base, Linea, BNB, POL, AVAX, SOL, XRP, TRX, FLR and SUI, plus USDC and USDT across chains
• Bitcoin over Lightning: instant, low-fee payments from a node on your phone
• Restore into any compatible wallet, any time — no lock-in

EARN ON IDLE STABLECOINS
• Put idle USDC to work in vetted on-chain vaults held by your own keys
• A 0–100 Yield Safety Score routes deposits; a Treasury Auto-Defense circuit breaker can exit to liquid USDC on a safety breach
• Observed yield, not projections; sends unwind just what you need, just in time

PAY, AUTOPAY & STREAM
• Send instantly to addresses or @handles
• Pay network fees in USDC instead of native gas on supported chains, no ETH or MATIC needed
• Recurring autopay from one signature — a revocable allowance, never an escrow
• Stream salary, rent or vesting per second; claim whenever you like
• Bridge USDC between chains with Circle CCTP

GET PAID BY AI AGENTS
• Your @handle doubles as an x402-payable endpoint: agents pay USDC over HTTP 402 straight to addresses only you control
• Pay any x402 API from your stablecoin wallet by pasting or scanning its URL

SPEND
• Buy gift cards from popular brands by paying in any crypto

PROTECT & RECOVER
• Recipient risk-screening and an anti-swap broadcast firewall
• Scam-token quarantine: unverified airdrops never count as real funds
• Spending guardrails: caps, allowlists, quiet hours, one-tap freeze
• Clear-signing — see exactly what you approve
• Social recovery via guardians and an inheritance flow

NON-CUSTODIAL BY DESIGN
No exchange, no order book, no fiat ramp: SpendTheBits is a self-custody wallet. Even the AI Copilot is prepare-only — it proposes, your device disposes.

SpendTheBits Inc. is a Canadian company. Crypto is volatile and involves risk. SpendTheBits is a non-custodial wallet; you are responsible for safeguarding your recovery phrase — if you lose it, we cannot recover your funds for you.

What’s new

• Lightning: upgraded engine for faster, more reliable payments
• Lightning now clearly explains it runs on Bitcoin mainnet only
• Support chat shows what the assistant is checking while it works, and can read official docs to verify answers
• Gift cards: full category list, exact result counts, better handling when the catalogue is briefly unavailable
• Reliability fixes for Litecoin balances and history