15 Dec 2025
Many new Solana users assume a wallet is a place to cash out, trade, and recover lost funds quickly — that’s the wrong mental model. Phantom is a self-custodial wallet: it gives you the keys, the interface, and helpful protections, but it does not act as a bank or fiat on-ramp. That distinction matters because it changes how you manage liquidity, security, and exits in the U.S. market where bank links and regulated fiat rails
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