Your keys.
Your coins.
No exceptions.
Spectra is a non-custodial multi-chain wallet built by Target1M. Buy with a card via MoonPay, swap across eight networks, and hold assets that only you can move — secured by device-level encryption.
A wallet that respects
the only rule that matters.
Self-custody by design
Your keys are generated and stored on your device. We never touch, escrow, or recover funds — only you do.
Hardware-grade encryption
Seed phrases are encrypted with device biometrics and the Secure Enclave. Optional encrypted iCloud / Drive backup.
Multi-chain swaps
Trade across 8+ networks through aggregated DEX liquidity. No custodial bridges, no hidden spreads.
Buy crypto with fiat
Purchase ETH, BTC, SOL and more with card, Apple Pay, or bank transfer through our regulated on-ramp partner, MoonPay.
Portfolio insights
Real-time balances, P&L, and on-chain activity across every connected wallet — powered by TraderSpy intelligence.
WalletConnect & dApps
Connect to any EVM, Solana, or Bitcoin dApp via WalletConnect v2 and native protocol adapters.
Buy crypto with a card,
straight into your wallet.
Spectra integrates with MoonPay, a regulated fiat-to-crypto provider, for card, Apple Pay, and bank purchases. KYC, payments, and fraud screening are handled by MoonPay under their licensed jurisdictions. Funds settle directly to the self-custody address on your device — Target1M never holds them in transit.
- Card, Apple Pay, Google Pay & SEPA
- 160+ countries supported by MoonPay
- Live FX and fees disclosed before checkout
- No funds held by Target1M at any point
Fiat purchases are processed by MoonPay under their Terms and Privacy Policy. Spectra is a self-custody wallet operated by Target1M and does not hold customer funds.
Built so we can't
touch your funds — even if we wanted to.
On-device key generation
Keys are derived from a BIP-39 seed phrase generated locally using audited cryptography. Nothing is transmitted to our servers.
Secure Enclave / Keystore
Encrypted at rest by the device hardware. Unlocked only by biometrics or your local passcode.
Open-source cryptography
We use battle-tested libraries (libsecp256k1, BIP-39/44/84, Solana web3) — no proprietary key derivation, no vendor lock-in.
No funds, no targets
Because Target1M never holds customer assets, there is no hot wallet to drain, no custody breach to suffer.
Common questions.
Is Spectra a custodial wallet?
No. Spectra is fully non-custodial. Private keys are generated and stored on your device — never on our servers. Target1M cannot freeze, move, or recover your funds under any circumstance.
How does buying crypto with my card work?
On-ramp transactions are processed by MoonPay, a regulated fiat-to-crypto service. KYC, payment processing, and fraud checks are handled directly by MoonPay under their own Terms and Privacy Policy. Spectra forwards your purchase to the wallet address you control.
What happens if I lose my phone?
If you saved your 12-word recovery phrase during setup, you can restore your wallet on any device. If you lost both your device and your recovery phrase, the funds are unrecoverable — that is the nature of self-custody.
Which networks does Spectra support?
At launch: Bitcoin, Ethereum, Solana, Polygon, Arbitrum, Base, Optimism, and BNB Chain. Additional networks are added based on user demand and security review.
Are there fees?
Spectra does not charge a wallet fee. Network gas fees and a small swap routing fee apply on DEX trades. Fiat on-ramp fees are set by MoonPay and disclosed before each purchase.
Self-custody,
without the friction.
Join the private beta. We'll email you when Spectra is available for your platform.
By requesting access, you agree to our Terms of Use and Privacy Policy.