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BAGHOLDER is the simple way to buy crypto. Pick the tokens you want, set a dollar amount per token, and tap Buy. Tokens go directly to your own non-custodial wallet on the chain you chose.
No. BAGHOLDER is a software tool that orchestrates on-chain swaps on your behalf using your own wallet. We never hold, route, or process your funds. All transactions are signed and submitted by your Privy embedded wallet.
BAGHOLDER is a non-custodial software tool and does not prepare or file tax forms on your behalf. You are solely responsible for your own tax obligations.
US tax law generally treats cryptocurrency as property. Buying through BAGHOLDER's onramp is generally not itself a taxable event; later sales or trades of those tokens can be taxable events for which you are responsible.
Any tax forms you receive related to your crypto activity will come from a third party (such as an exchange where you eventually sell), not from BAGHOLDER. Use the Activity export in Settings to share your purchase history with a qualified tax professional. Tax rules vary by jurisdiction and change over time — always consult a qualified tax advisor for your specific situation.
A flat 5% platform fee is charged on every buy (minimum $0.50). For example, a $20 buy has a $1.00 fee. The fee is deducted as USDC after the swaps complete — if a buy fails before tokens arrive, no fee is charged.
Coinbase charges its own payment-processing fee and applies a small spread to the USDC price. Coinbase's pricing varies by payment method and is shown on their payment page before you confirm. That's Coinbase's pricing, not a BAGHOLDER fee, and BAGHOLDER does not receive any portion of it.
Network gas is paid from the USDC you fund. After your USDC arrives from Coinbase, a small portion is swapped on-chain into the network's native token (ETH, POL, AVAX, SOL, etc.) to cover gas. Typical cost is under $0.50 per buy on most chains, shown to you as a "Network gas" line before you confirm. On your first buy on each chain, BAGHOLDER sends a tiny one-time seed (~$0.05) directly to your wallet so the first on-chain swap can run.
Wrapped tokens used for gas: on Base, Optimism, Arbitrum, Polygon, and Avalanche, if you hold a wrapped version of the chain’s native gas token (for example WETH on Base, or WAVAX on Avalanche), BAGHOLDER may unwrap a small amount of it for gas instead of running a USDC→native swap. Wrapping and unwrapping is the same asset on-chain — not a sale — but the displayed balance and cost basis for that wrapped token will update to show only what’s left in your wallet, and a “Balance Note” on the token row in the app will explain the change. Solana does not have this mechanic.
Your bank or card issuer may add fees of their own to the Coinbase transaction (foreign-transaction surcharges, cash-advance treatment of crypto purchases, debit/credit processing). BAGHOLDER cannot see, set, refund, or dispute those.
There are no subscriptions or hidden fees.
Solana network accounts: Solana requires a one-time deposit of 0.00203928 SOL for each new token account you hold. This is a Solana network requirement, not a BAGHOLDER fee. It is deducted from your purchase amount and only applies to the first time you buy each Solana token.
Tokens are automatically curated based on market capitalization, trading volume, and on-chain liquidity. This is an automated process — BAGHOLDER does not evaluate, endorse, or recommend any token. Tokens may be added or removed at any time based on liquidity changes.
Solana bags may have a higher purchase minimum than other chains due to one-time network account setup costs (0.00203928 SOL per new token). The minimum adjusts automatically based on the number of tokens in your bag and the current SOL price. After your first purchase, the accounts exist permanently and the minimum returns to normal.
Up to $2,500 per rolling 7-day window. This matches Coinbase Onramp’s no-KYC ceiling — buying more would require identity verification with Coinbase, which BAGHOLDER does not currently support. The 7-day window starts from your first purchase in a window and resets exactly 7 days later.
You can also set a daily limit (between $50 and $2,500) in Settings to pace your buys within the week.
All tokens are stored in your own Privy embedded wallet on supported blockchain networks. Your wallet uses multi-party computation (MPC) — key shards are split between your device and Privy infrastructure. BAGHOLDER never has access to your private keys.
Close the Coinbase tab before confirming payment — nothing is charged. Once payment is confirmed and USDC arrives in your wallet, the buy cannot be reversed. You can also adjust your daily limit in Settings to pace future buys.
BAGHOLDER supports 6 blockchain networks: Base, Optimism, Arbitrum, Polygon, Avalanche, and Solana. Your wallet is automatically created on all supported chains when you sign up. Bags can hold tokens from any chain — the chain comes from each token, not the bag.
Every swap shops for the best available price across decentralized exchanges on the chain. Hundreds of tokens are available across all chains, automatically curated for liquidity.
BAGHOLDER is available in 44 U.S. states. It is currently not available in New York, Connecticut, Louisiana, Vermont, Minnesota, New Mexico, or the District of Columbia.
BAGHOLDER sends local notifications from your device — no data leaves your phone. You’ll get a confirmation when a buy completes and an alert if a safety check blocks one or a token in your bag becomes unavailable.
Your data is automatically backed up in encrypted form after every purchase. When you sign in on a new device, your wallet recovers through your login provider (Google, Apple, or email) and your purchase history, bags, and settings are restored automatically. The backup is encrypted with a key only your wallet can produce — we cannot read your data.
Go to Settings in the app and tap "Delete Account." This permanently erases all local data and disconnects your Privy session. Any tokens already in your wallet remain yours — we cannot access or remove them.
If your payment succeeds but the token swaps fail, the USDC remains in your wallet. What happens next depends on why the swap failed:
The Buy button blocks when one of your tokens can’t be delivered at the chosen size. Common reasons:
Price impact is how much your trade moves the token’s price on a decentralized exchange. Small trades on a deep liquidity pool barely move the price; large trades on a thin pool can move it significantly, meaning you receive fewer tokens than the screen price implied.
The buy overlay shows a per-token impact pill: silent under 1%, amber 1–3%, red 3–7%, prominent red above 7%. At 8% and above the Buy button blocks the buy entirely — this protects you from walking into a trade where you’d lose a meaningful portion of your USDC to slippage. If you see a high impact warning, the right move is almost always to lower the per-token amount or remove the token from the bag and try a more liquid alternative.
Each Coinbase Onramp session is per-chain, so a single buy covers one chain at a time. Use the chain buttons in the bag screen to switch between chains. Each chain’s tokens are quoted and bought independently.
The daily limit (adjustable from $50 to $2,500 in Settings, default $100) caps how much you can buy in a single UTC day and resets at midnight UTC. The weekly cap is fixed at $2,500 (Coinbase’s no-KYC ceiling) on a rolling 7-day window. If a buy would exceed your daily limit, the buy window shows a one-tap “Raise to $X” button so you can lift the limit and continue immediately.
Yes. Tap the share icon on any bag to generate a shareable link. Recipients can view your bag's token mix and duplicate it into their own account with one tap. No personal information or purchase history is included in the shared link. Copies are fully independent — changes to the original do not affect duplicates.
It depends on how bad the drop is. For a temporary thin pool, BAGHOLDER skips that one token on your next buy (you'll see a brief notification) and proceeds with the rest of the bag — the token stays put and auto-recovers when its liquidity does. For a token removed entirely (compliance, dead chain, etc.), the whole bag is paused until you remove the affected token; a red banner on the bag screen names the action.
In either case, BAGHOLDER will NOT automatically sell any crypto you already own — selling may create a taxable event.