THORWallet
vs. Phantom.
Phantom is the wallet Solana grew up with, and one of the most polished consumer apps in crypto. The difference shows when you leave Solana: Phantom bridges, THORWallet settles natively.
At a glance
| THORWallet | Phantom |
|---|---|
| Cross-chain swaps | |
| Native routes: THORChain, Maya, Chainflip, NEAR Intents | Bridges: LI.FI, Relay, deBridge, Garden |
| Swap fee | |
| 1.25% standard · 0.2% at the top tier · $0 under $100 | 0.85% on most swaps |
| Crypto card | |
| Mastercard (partner-issued) · 175+ countries | Virtual Visa · US only |
THORWallet and Phantom, feature by feature
| Feature | THORWallet | Phantom |
|---|---|---|
| Self-custody | Yes | Yes1 |
| Cross-chain swaps | Native routes: THORChain, Maya, Chainflip, NEAR Intents | Bridges: LI.FI, Relay, deBridge, Garden2 |
| Chains & tokens | 25 networks · 20,000+ tokens | 9 networks3 |
| Swap fee | 1.25% standard · 0.2% at the top tier · $0 under $100 | 0.85% on most swaps4 |
| Fee discounts | Lower with $TITN · volume discounts | Not listed |
| Limit orders | Yes, even cross-chain | On perps5 |
| Tokenized stocks | Yes, via Ondo · 24/5 | Yes - xStocks, Ondo and others6 |
| Perpetuals | Yes - Hyperliquid | Yes - Hyperliquid5 |
| Multisig vaults | Multi-device, most chains in the app | Not listed |
| Crypto card | Mastercard (partner-issued) · 175+ countries | Virtual Visa · US only7 |
| IBAN account | Swiss IBAN & SEPA · CHF EUR USD RMB | No8 |
| Yield | Stablecoin lending & staking | SOL staking, Cash rewards9 |
| Support | In-app chat, 24/7 · AI agent first, then the team | Chatbot, then email10 |
| Platforms | iOS · Android · Web · Mac & Windows | iOS · Android · Extension · Web11 |
✓ = the stronger cell in a row, where the pages we read allow a call. Phantom column read from its own pages on 12 November 2026; sources below.
Native Bitcoin, every major chain
Swap real BTC for real SOL with no bridge in the path, hold most chains in the app in one multi-device vault, and spend through a Mastercard with a Swiss IBAN in 175+ countries.
The Solana home base
Phantom puts spot, perps, tokenized stocks and prediction markets in one consumer app, with a Cash account and a Visa card for US users. On Solana it is the default for good reason.
Sources, read on 12 November 2026
- phantom.com/terms
- help.phantom.com/hc/en-us/articles/51384804802195
- help.phantom.com/hc/en-us/articles/41372840389651
- help.phantom.com/hc/en-us/articles/5985106844435
- help.phantom.com/hc/en-us/articles/42292249388307-Trade-perps-in-Phantom
- help.phantom.com/hc/en-us/articles/44063915243283-Trade-tokenized-equities-in-Phantom
- help.phantom.com/hc/en-us/articles/44800221533459-Use-your-virtual-Phantom-debit-card-United-States
- help.phantom.com/articles/this-feature-is-unavailable-in-your-country-or-region-36291719105299
- help.phantom.com/hc/en-us/sections/4406351831571-Staking
- help.phantom.com/hc/en-us/articles/6953810233619-How-to-contact-support
- phantom.com/download
THORWallet vs Phantom, answered.
Can Phantom swap native Bitcoin to Solana?
Phantom moves assets between chains through bridge providers such as LI.FI, Relay, deBridge and Garden. THORWallet settles natively through decentralized liquidity networks, so real BTC goes in and real SOL comes out with no bridge or wrapped token.
Which wallet has lower swap fees, THORWallet or Phantom?
Phantom publishes a 0.85% fee on most swaps. THORWallet charges 0.2 to 1.25% depending on your $TITN Community Tier, and swaps under $100 are free. At the Standard tier above $100 Phantom is cheaper; for $TITN stakers and for swaps under $100 THORWallet is.
Does Phantom have a card outside the US?
Phantom lists a virtual Visa debit card for US users. THORWallet offers a Mastercard in 175+ countries plus a Swiss IBAN and SEPA account.
Beyond Solana.
Keep Phantom for Solana apps if you like - swap natively, secure and spend with THORWallet.
The fine print
- THORWallet swap fee depends on your $TITN Community Tier; fees and discounts are variable and may change. $TITN is a utility token, not an investment; its value may fluctuate and could fall to zero.
- Comparison based on Phantom's own published pages as read on 12 November 2026. "Not listed" means those pages do not mention the feature. Features, fees and availability change - check the official documentation.
- Phantom is a trademark of Phantom Technologies, Inc. THORWallet is not affiliated with or endorsed by Phantom.
- Tokenized stocks and perpetuals are issued or provided by third parties and are not available in every country. Card and Swiss IBAN availability varies by jurisdiction.