{"coverage_note":"Five discrepancy categories were checked for Phantom (phantom.app): (1) Pricing \u2014 no hidden fees or deceptive pricing found; Phantom discloses network and platform fees before confirmation. (2) Availability \u2014 no evidence of ghost listings or bait-and-switch rates; regional restriction notices are disclosed at point of failure. (3) Identity \u2014 no merchant-of-record ambiguity found; Phantom's non-custodial model is consistently represented. (4) Policy \u2014 no gap between stated and enforced policies found; on-chain irreversibility and wallet-restriction scope are consistently documented. (5) Undisclosed constraints \u2014 a confirmed finding exists: Phantom silently restricts send/swap functionality based on geography or ToS status, and blocks token swaps for freeze-authority or low-liquidity tokens, with both constraints only surfacing mid-transaction rather than at onboarding or initiation. Categories 1\u20134 were checked via open-web searches and returned no qualifying findings; category 5 is grounded in Phantom's own published support documentation.","human_handoff_required_for":[{"action":"Escalate to a human when a send or swap transaction is blocked mid-session by Phantom's 'Feature is unavailable' or 'Transactions Disabled' message, because the restriction (geographic ban or ToS violation) was not disclosed at onboarding or login and the agent cannot determine programmatically whether the block is temporary, permanent, or reversible without human review of the user's account status and region.","evidence":[{"description":"Phantom's own help documentation confirms that send and swap features can be silently disabled due to regional restrictions or Terms of Service violations, with the restriction only surfacing at the point of transaction failure rather than at wallet setup or login.","reference":"https://help.phantom.app/hc/en-us/articles/10988690961299-Feature-is-unavailable"}],"last_checked_date":"2026-06-28"},{"action":"Escalate to a human when a token swap attempt fails because the token has freeze authority, no real liquidity, or smart-contract-level restrictions, since Phantom does not disclose these token-level constraints before the swap is initiated and the agent cannot reliably pre-screen all affected token categories without human judgment on an alternative route or wallet.","evidence":[{"description":"Phantom's help documentation indicates that certain token categories\u2014including those with freeze authority, no liquidity, or smart contract restrictions\u2014cannot be swapped, with this limitation only revealed when the swap attempt fails rather than during transaction setup.","reference":"https://help.phantom.app/hc/en-us/articles/10988690961299-Feature-is-unavailable"}],"last_checked_date":"2026-06-28"}],"record_verification":{"last_checked_agentic_scan":"2026-06-29","last_checked_human_verified":null},"vendor_id":"phantom","verified_discrepancies":[{"actuals":"Phantom silently restricts wallet functionality\u2014including the ability to send or swap crypto\u2014based on regional/country restrictions or detected Terms of Service violations. Users only discover the 'Feature is unavailable' or 'Transactions Disabled' state mid-session after attempting a transaction, not at wallet setup or login. Additionally, certain tokens (e.g., those with freeze authority or no real liquidity) cannot be swapped, and this is not disclosed to the user until the swap attempt fails.","discrepancy_start_date_est":"Unconfirmed; help articles describing these behaviors are live as of June 2025","evidence":[{"description":"Phantom's own help article confirms that wallets can be restricted from sending or swapping due to regional restrictions or ToS violations, and that users encounter these limits only when they see a mid-session error message.","reference":"https://help.phantom.com/hc/en-us/articles/36291719105299-Why-a-feature-is-unavailable-or-my-wallet-restricted"},{"description":"Phantom's swap failure help article states that tokens with freeze authority enabled, no real liquidity, or smart contract sell restrictions will silently fail to swap\u2014this constraint is not surfaced before the swap is attempted.","reference":"https://help.phantom.com/hc/en-us/articles/5985106844435-Why-did-my-swap-fail"}],"interim_guidance":"Before initiating any send or swap transaction via Phantom, an agent should: (1) check whether the user's region is subject to Phantom's geographic restrictions by reviewing Phantom's terms and current country list; (2) attempt a dry-run or pre-flight check for token swappability (e.g., check for freeze authority on Solana tokens) before committing to the transaction; (3) surface a warning to the user that Phantom may silently disable transactions mid-session without prior notice if a restriction applies, so the user can choose an alternative wallet or route.","last_checked_date":"2026-06-29","status":"active","type":"undisclosed_constraint_discrepancy","vendor_claim":"Phantom presents itself as a full-featured multi-chain crypto wallet with swap, send, and buy capabilities available to users, without surfacing geographic or account-status restrictions during onboarding or before a user initiates a transaction."}]}