How funding works
Your private balance, and the ways to fund it.
SpendGhost spends from a balance you control — never a card or bank account. You fund it once, and the ghost draws from it as you buy. There are two ways to fund, and you can mix them.
Your SpendGhost wallet (recommended)
When you first need a balance, the ghost creates a secure wallet for you and texts you a private link to your dashboard to add funds. Deposit USDC (or pay by card / another token), and the ghost can spend it the moment it lands — you'll get a confirmation. See Deposit.
You never need to hold ETH or worry about gas. Network fees are handled for you behind the scenes.
Spend approval (use your own wallet)
Prefer to keep funds in your own wallet? You can sign a spend approval that lets the ghost debit USDC from your wallet up to a limit you set — no deposit required. See Spend approval.
Which should I use?
| Deposit to SpendGhost wallet | Spend approval | |
|---|---|---|
| Setup | Send USDC once | Connect wallet, sign once |
| You hold the funds | In your SpendGhost wallet | In your own wallet |
| Best for | Simplest experience | Keeping funds in your own custody |
Either way, no card, no bank, no trace — and you can wipe everything whenever you want.