> ## Documentation Index
> Fetch the complete documentation index at: https://docs.spendghost.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Sending money

Send money to a friend by phone or X handle — like Venmo, but private.

Beyond [gift credit](/sharing/gifting) (which someone spends on your tab), you can **send money someone keeps** — to a phone number or an X handle. It's like Venmo, minus the app and the trace.

This is different from [gift credit](/sharing/gifting) and [sub‑account allowances](/sharing/sub-accounts), which let someone spend **your** balance. A send moves money **out** to the recipient's own account to keep.

## Send to a phone number

> *"send $20 to (415) 555‑0142"*

The money is **held from your balance** and the ghost hands you a link to share. Your friend claims it by texting SpendGhost from **their own number** — that's what proves it's theirs, so a forwarded link is useless to anyone else. If they've received from you before, it lands in their balance **instantly**, no link needed.

## Send to an X handle

Once your X account is [connected](/rewards/earn-on-x), you can gift anyone on X:

> *"gift $10 to @alice on X"*

The ghost confirms the account (it reads back the display name so you're sure it's the right @alice), then holds the money and gives you a claim link to **DM them on X**. They claim by **signing in with X** — only that exact account can, so a leaked link is inert.

Every gift you send on X automatically counts as a [referral](/rewards/points-and-referrals) — if they go on to buy something, you get the referrer reward.

## Send straight from a tweet

You can also start a send with a public post:

> *"@spendghost send @bob $5"*

The ghost **never moves money from the tweet itself**. It texts *you* to confirm first — you always approve the exact person and amount on your own device before anything moves. Only works from an X account that's linked to your SpendGhost.

## The limits

- Up to **$2,000 per send**, **$5,000 per day**.
- Minimum **$1**.
- If a claim link is never used, the money **comes back to you** after 14 days — nothing is ever stuck.

If they already have a SpendGhost account, the money **lands in their balance instantly** — no link to share. The link only appears for someone who's new to SpendGhost.

You can see everything you've sent — and whether it's been claimed — in your [dashboard](/account/dashboard), or just ask the ghost.