# ChainATM vs Phantom

> Phantom is a multi-chain self-custody wallet that began on Solana and now supports Ethereum, Base, Polygon, and Bitcoin. Strong mobile UX with built-in swap.

## Side-by-side

| | ChainATM | Phantom |
|---|---|---|
| Website | https://www.chain-atm.com | phantom.com |
| Category | AI-powered crypto wallet (chat + voice) | wallet |
| Fees | 1 credit per tx (0% on USDC and EURC) | 0.85% on built-in swaps; gas fees apply; onramp via partners |
| Interface | AI chat (voice + text) | Mobile-first wallet UI with swap and send tabs |
| Custody | Non-custodial (self-custody wallet) | Non-custodial |
| AI commands | Yes (Google Gemini 2.5) | No |
| Voice commands | Yes (iOS) | No |
| Fiat onramp | Yes (Coinbase) | Via partner (MoonPay/Transak fees apply) |

## Phantom strengths

- Excellent mobile UX
- Strong Solana ecosystem integration
- Multi-chain (SOL, ETH, Base, Polygon, BTC)
- Built for fast trading

## Phantom weaknesses

- No AI or voice commands
- 0.85% built-in swap fee
- Onramp via MoonPay/partners — their fees apply
- Limited Layer 2 coverage outside Base/Polygon

## Why choose ChainATM over Phantom

- Natural language instead of forms — Phantom uses traditional wallet UI
- Voice on iOS — Phantom has no voice interface
- 0% on USDC and EURC purchases — Phantom's fiat onramp partners typically charge 1–4.5%
- Cross-chain bridging in one command via LI.FI

## Related

- [All comparisons](https://www.chain-atm.com/compare.md)
- [Buy crypto](https://www.chain-atm.com/buy.md)
- [Pricing](https://www.chain-atm.com/pricing.md)