01 / RECEIVING

Create a request.

Connect Phantom and sign the message to verify your receiving wallet. Set the USDC amount and add a note if you need one. Your request gets its own link and expires after 24 hours.

The amount and receiving address stay fixed. Anyone with the link can read both, along with your note. Use a dedicated receiving wallet if you want to keep your trading address out of the request.

02 / PAYING

Review before you pay.

Open a request link or look up a registered X handle. Check the recipient, amount and expiry. Choose From wallet to pay with regular Solana USDC, or Private to use an existing Privacy Cash USDC balance.

Wallet checkout shows the exact USDC amount, network fee and any recipient token-account setup cost. Approve the transfer in Phantom. Ghost saves the signed transaction before submission and checks its finalized receipt before marking the request paid. A timeout remains pending; retries use the same signed payment.

03 / PRIVACY

Know what stays visible.

Privacy Cash aims to separate a withdrawal from its funding source. The recipient, amount and timing remain visible on Solana. Timing and amounts can still reveal connections.

Ghost and network providers can see request metadata. A dedicated receiving wallet limits what your link reveals; transferring directly between your wallets can connect them again.

Your spending keys and decrypted private notes stay in your browser. Ghost never asks for your seed phrase. Wallet sign-in verifies control of an address; it does not verify a real-world identity.

04 / COSTS

The quote comes first.

Personal wallet payments have no Ghost platform fee. You pay the Solana network fee and, when needed, the cost of creating the recipient’s USDC token account. These costs are shown in the payment review.

The optional private route uses an existing Privacy Cash balance and has separate protocol costs; it is not open yet. The amount on a request is what the recipient should receive. Ghost Pro business tools are planned as paid features, with qualifying GHOST-holder access. Pricing and holder requirements are not set.

05 / CONFIRMATION

Pending means pending.

A request is marked paid only after its recipient transfer is finalized and verified on Solana. Creating a request or submitting a proof is not payment confirmation.

If a response is lost, use Check payment status. The original payment stays saved. Keep the request link and this browser’s site data until the outcome is confirmed. A timeout is not a reason to create another payment.

Once a transfer completes on-chain, Ghost cannot reverse it.

06 / THE COMMUNITY COIN

Where $GHOST fits.

$GHOST is the community coin planned around the Ghost product. Payments use USDC, and using the app does not require owning the coin.

Personal payments stay free. The planned Ghost Pro toolkit adds branded payment pages, invoices, client records, reminders, creator pages and merchant integrations. Qualifying GHOST holders are intended to receive access to these paid business tools. These features are in development; the qualifying balance and access rules are not set yet. The token has not launched. Its verified mint and trading link will appear on the token page. Holding does not give a claim on customer payments or a guaranteed return.

07 / THE X ROADMAP

From a conversation to a payment.

Request links on X

Create a wallet-verified USDC request and share its link in a DM, reply or post. The payer opens Ghost to review the amount and receiving wallet. Sharing a link does not require X sign-in and is not an X Money transaction.

Pay an @handle · USDC

The intended flow connects an authenticated X identity to a signed receiving-wallet record. The payer checks the matched handle and destination before approving. Recipients sign in with X, verify a receiving wallet and explicitly enable their receiving profile. Ghost resolves the current X user ID for each lookup, so a reassigned handle cannot inherit someone else’s wallet. X verification and lookup are connected. Only recipients who register and enable a profile can be found. Opening payment details does not move funds; the availability of payment submission is shown at checkout.

Mention-to-tip · planned

Tag Ghost in an X reply with a recipient and USDC amount. The planned bot will prepare a checkout link for the sender to review and approve in their wallet. A post or like alone cannot spend funds. The recipient must have a verified Ghost receiving profile.

This needs an official Ghost X account and a connected mention-and-reply service. It is not active yet. Basic tipping is available through the Pay an @handle flow, subject to wallet checkout availability.

X Money · planned

This is a separate USD payout route. It requires supported provider access, recipient eligibility checks, a conversion quote and verified payout confirmation. Those integrations are not available yet. No X Money transfer can currently be made through Ghost.