Supported chains
Where you can hold and spend USDC.
SpendGhost spends in USDC. You can fund and pay from any of these networks:
| Chain | Notes |
|---|---|
| Base | Preferred — lowest fees, fastest. |
| Ethereum | Supported. |
| Arbitrum | Supported. |
| Optimism | Supported. |
| Polygon | Supported. |
Tip
Base is the smoothest experience and what we recommend for deposits. If your USDC is on another supported chain, that's fine too — the ghost checks your balance across all of them.
Don't have USDC?
If you hold another token, the ghost won't force you to convert manually — it can suggest a swap to USDC so you can pay. Just ask.
Note
You never need to hold ETH or any gas token; network fees are covered for you.
Refunds
Refunds are paid back in USDC on the same chain you paid from, straight to your balance. See Refunds & returns.