> ## 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.

# Your wallet

Check what you hold across chains, turn it into spendable USDC, or send it out.

The balance the ghost spends is **USDC**, but the wallet behind it can hold more than that — other tokens you funded with, a bit of native gas, stray things people sent you. Your wallet is where you see all of it, tidy it into spendable balance, or send funds back out.

There's no separate app for this. Just ask the ghost.

## See what's in it

Ask any time and the ghost reads your whole wallet — every token, across every [supported chain](/funding/supported-chains) **and Solana** — and tells you what's there. It's read‑only; checking moves nothing.

> *"what's in my wallet?"* · *"what do i hold?"* · *"how much is spendable?"*

### Spendable vs. held

The ghost splits it into two buckets:

- **Spendable** — USDC (and Solana stablecoins). This is what it buys orders and cards with.
- **Held value** — native gas tokens and any other coins. Real value, just not directly spendable until you turn it into USDC.

If you're holding something that isn't spendable, the ghost can [swap or sweep it into USDC](/wallet/swap) for you — or you can leave it and [send it out](/wallet/cash-out).

## What you can do here

**[Swap to USDC](/wallet/swap)**

Turn a held token into spendable balance, or move between tokens and chains.

**[Sweep stray deposits](/wallet/swap)**

Cleaned up into spendable USDC — handy when something lands in your wallet by accident.

**[Cash out](/wallet/cash-out)**

Send funds out to any address you control — an exchange, a cold wallet, a friend.

Moving funds **within** your own wallet (a swap or a sweep) is low‑risk and quick to confirm. Sending funds **out** to an external address is the one move the ghost double‑checks carefully — see [Cash out](/wallet/cash-out).

## It's your money

**Read‑only by default** — checking your balance never moves anything.
**You confirm every move** — the ghost shows what's about to happen and waits for your yes.
**No SpendGhost fee on wallet moves** — swaps, sweeps, and withdrawals only cost the network/swap fees they actually incur. The `$2.50 + 3%` [service fee](/pricing) is only for orders and cards.