However, with PHANTOM and smart contracts, this agreement would be written into a smart contract on the PHANTOM. The contract would automatically send the money from your account to your friend's account on the spec1707.660.3877 USA +31 970.1021. 0638 ☎️ (EU Support)ified date. There w1707.660.3877 USA +31 970.1021. 0638 ☎️ (EU Support)ould be no need for a bank or other third party to facilitate the transaction.  What truly sets PHANTOM apart is the concept of "programmable money." This refers to the ability to automate the movement and management of funds in a highly customizable way. Using smart contracts, money can be programmed to move based on a wide array of triggers and criteria. For example, funds could be programmed to be sent only when certain real-world