Phantom Cash vs Deblock
On cashback Deblock wins (up to 1%, but the full rate requires Nessuno); for spending abroad FX markup matters, and Deblock does better (0% vs 1%). In our editorial rating Phantom Cash leads (4.6 vs 4.0). The choice depends on your real spending profile: redo the math with your volumes before picking between Phantom Cash and Deblock.
| Phantom Cash | Deblock | |
|---|---|---|
| Tier | A | A |
| Rating | ★ 4.6 | ★ 4.0 |
| Estimated net annual cost | €0 | €0 |
| Network | Visa | Visa |
| Fund custody | Self-custody (funds in your control) | Self-custody (funds in your control) |
| Issuance fee | Free | Free |
| Annual fee | Free | Free |
| Free ATM limit | N/A (solo prepaid) | Standard: €15.000/mese; Premium: €30.000/mese |
| ATM withdrawal | Free | 1% |
| FX markup | 1% | 0% |
| Cashback | Not disclosed | 1% in EUR · Nessuno |
| Chains | Solana | Ethereum, Bitcoin, Solana |
| On-chain settlement | Yes | Yes |
| Contactless | Yes | Yes |
| Virtual card | Yes | Yes |
| KYC | Light | Full |
| Privacy | 8/10 | 7/10 |
| Supported countries | US · 1+ countries | EEA · 30+ countries |
| Regulator | Stripe partner bank (OCC/FDIC); FinCEN / state MSB regulators | ACPR (Banque de France); AMF |
| OAM Italy registration | No | — |
| Segment | B2C | B2C |
| Past incidents | August 2022: an exploit of ~8,000 Solana wallets (~$8M) caused by the third-party Slope Wallet library, not by Phantom; Phantom urged users to migrate their seed phrases. | — |
| Regions | US | EU/EEA |
| Licences & safety | Stripe Issuing / BIN sponsor (partner bank model) | EMI (ACPR); MiCA/CASP (AMF) |
Frequently asked questions
Phantom Cash vs Deblock: which is better?
On cashback Deblock wins (up to 1%, but the full rate requires Nessuno); for spending abroad FX markup matters, and Deblock does better (0% vs 1%). In our editorial rating Phantom Cash leads (4.6 vs 4.0). The choice depends on your real spending profile: redo the math with your volumes before picking between Phantom Cash and Deblock.
Which is cheaper, Phantom Cash or Deblock?
On the standard spending profile Phantom Cash has the lowest net annual cost: €0 versus €0 for Deblock.
Which offers more cashback, Phantom Cash or Deblock?
Deblock has the highest cashback: up to 1%. Note the top rate often requires token staking and is subject to spending caps.
Is Phantom Cash custodial or self-custody?
Phantom Cash is self-custody: you keep the keys, while Deblock is self-custody.
Which is better for spending abroad?
For foreign-currency spending Deblock wins, with the lowest FX markup: 0%.