# ![@PhantomStays Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::591470197.png) @PhantomStays Phantom Stays

Phantom Stays posts on X about up to, dubai, if you, paraguay the most. They currently have [------] followers and [---] posts still getting attention that total [------] engagements in the last [--] hours.

### Engagements: [------] [#](/creator/twitter::591470197/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::591470197/c:line/m:interactions.svg)

- [--] Week [------] -35%
- [--] Month [-------] +5%
- [--] Months [---------] -89%
- [--] Year [----------] -15%

### Mentions: [--] [#](/creator/twitter::591470197/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::591470197/c:line/m:posts_active.svg)

- [--] Month [--] -92%
- [--] Months [---] +247%
- [--] Year [---] +265%

### Followers: [------] [#](/creator/twitter::591470197/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::591470197/c:line/m:followers.svg)

- [--] Week [------] +0.12%
- [--] Month [------] +3.60%
- [--] Months [------] +37%
- [--] Year [------] +89%

### CreatorRank: [-------] [#](/creator/twitter::591470197/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::591470197/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[countries](/list/countries)  40% [finance](/list/finance)  35% [travel destinations](/list/travel-destinations)  21% [stocks](/list/stocks)  9% [financial services](/list/financial-services)  1% [currencies](/list/currencies)  1% [technology brands](/list/technology-brands)  1% [social networks](/list/social-networks)  1%

**Social topic influence**
[up to](/topic/up-to) 12%, [dubai](/topic/dubai) #734, [if you](/topic/if-you) 9%, [paraguay](/topic/paraguay) #95, [business](/topic/business) 8%, [$shop](/topic/$shop) #322, [bali](/topic/bali) #502, [in the](/topic/in-the) 6%, [biz](/topic/biz) #1637, [credit cards](/topic/credit-cards) #861

**Top accounts mentioned or mentioned by**
[@manufussing](/creator/undefined) [@mrtriggerdon](/creator/undefined) [@nishendigital](/creator/undefined) [@kevpri1](/creator/undefined) [@regis0_](/creator/undefined) [@maskyvids](/creator/undefined) [@adswithmarian](/creator/undefined) [@shauneng](/creator/undefined) [@365day4delivery](/creator/undefined) [@samdxb911](/creator/undefined) [@thenftygroup](/creator/undefined) [@timurnegru](/creator/undefined) [@advceo](/creator/undefined) [@ondrejbartos](/creator/undefined) [@axeltrades369](/creator/undefined) [@blissnbusiness](/creator/undefined) [@benjaminakar](/creator/undefined) [@chrismischler](/creator/undefined) [@bcnorange](/creator/undefined) [@ulubionynumer13](/creator/undefined)

**Top assets mentioned**
[Shopify Inc (SHOP)](/topic/$shop) [Bank of America (BAC)](/topic/bank-of-america) [JPMorgan Chase (JPM)](/topic/jpmorgan-chase)
### Top Social Posts
Top posts by engagements in the last [--] hours

"Just wrapped a call with a Dutch e-com founder in the fashion space currently running operations from Bali 70% of his volume is UK and France but he's pushing hard into the US market. Left the Netherlands to dodge brutal taxes and live the nomad life. Here's where it gets messy: US Shopify Payments straight up declined him because he can't prove physical presence no utility bills no lease. So he's been forced to route all US payments through a Hong Kong structure which is suuuper inefficient/ expensive. On top of that he's banking with Slash and Mercury. These fintechs work fine for basic"  
[X Link](https://x.com/PhantomStays/status/2021676626384138642)  2026-02-11T20:04Z 23.5K followers, [----] engagements


"X international banking "expert" says non-US people cannot open a Chase business bank account remotely and get access to their best credit cards in 30-60 days with no US credit score. Shame guess its really only the Phantom community who gets this benefit ;) @PhantomStays Chase still requires an in-branch visit for business accounts. If you're a founder outside the US "just open Chase" isn't an option. That's the gap btw neobanks reject your passport traditional banks need you physically in the US. Neither works for remote international @PhantomStays Chase still requires an in-branch visit"  
[X Link](https://x.com/PhantomStays/status/2021877333783920660)  2026-02-12T09:21Z 23.5K followers, [----] engagements


"Phantom Stays is an international living community for backpacker final bosses who value living an opulent life around the 🌏 for less. sign up to the newsletter to learn more - https://phantomstay.com/newsletter https://phantomstay.com/newsletter"  
[X Link](https://x.com/PhantomStays/status/2022684809642868906)  2026-02-14T14:50Z 23.5K followers, [---] engagements


"If you havent come to terms with it already the EU is a police state EU bros u have a very very thin window to decouple urself from the clutches of the European gov mobsters before ur wealth is stolen from ur bloodline This is an abomination but fortunately u got options to continue to spend a large majority of time in Europe w/o being a bonafide tax resident in the EU (Dubai Paraguay Panama etc) BREAKING: Netherlands House of Representatives approves 36% tax on unrealized capital gains in stocks crypto and bonds. BREAKING: Netherlands House of Representatives approves 36% tax on unrealized"  
[X Link](https://x.com/PhantomStays/status/2023027314435518871)  2026-02-15T13:31Z 23.5K followers, [----] engagements


"Phantom Stays is an international living community for backpacker final bosses who value living an opulent life around the 🌏 for less. sign up to the newsletter to learn more - https://phantomstay.com/newsletter https://phantomstay.com/newsletter"  
[X Link](https://x.com/PhantomStays/status/2021230227205054651)  2026-02-10T14:30Z 23.5K followers, [---] engagements


"When Europoors tell u to prove that US Amex points are goated Show them this US Amex points are 86x BETTER than shitty European Revolut points ( revpoints ) Then hug them and tell them to not fear they can get US Amex too ❤"  
[X Link](https://x.com/PhantomStays/status/2021271748268761130)  2026-02-10T17:15Z 23.5K followers, [----] engagements


"Had a welcome call with the self-proclaimed "godfather of dropshipping" from Uganda Now playing bigger games than selling trinkets from China. Dude recently acquired a recruitment firm with contract to move [----] workers to the Middle East and Europe. Pure airfare spend on that $450k-$500k in cash. Here's the problem: he's operating entirely in cash. Zero points game. Why He got burned by "fishy" US credit partners in the past and had $400k frozen by Mercury Bank. Now he's got an ITIN but zero active credit history paying full retail price for massive travel contracts. We're changing that"  
[X Link](https://x.com/PhantomStays/status/2022310054498611693)  2026-02-13T14:01Z 23.5K followers, [----] engagements


"SO PHANTOM WHAT HAPPENS IF I BOUNCE BETWEEN COUNTRIES NOT SPENDING OVER [--] MONTHS IN ANY OF THEM AND RUN ALL MY BIZ REV THROUGH A US LLC I WONT HAVE TO PAY TAX ANYWHERE RIGHT This my fine sir is tax fraud"  
[X Link](https://x.com/PhantomStays/status/2021185196473667959)  2026-02-10T11:31Z 23.5K followers, 11.2K engagements


"Last week I got on a call with a Hong Kong based founder who's being sued by Amazon. Yes. actually sued private investigators subpoenas the whole hollywood drama. He's paralyzed. Won't touch new US banking because he thinks accounts will get frozen funds liquidated etc. He's operating from a barely-functional Bank of America acct and a basic HK Amex Global Transfer setup. Booking China Southern flights directly at a brutal [--] cent per point. The dude's living in fear when he should be building a fortress. Here's the reality I walked him through: Civil lawsuits don't restrict banking access."  
[X Link](https://x.com/PhantomStays/status/2021222886510318050)  2026-02-10T14:01Z 23.5K followers, [----] engagements


"This is a [--] figure founder from BANGLADESH of all places. If you don't think your passport is eligible you are probably wrong"  
[X Link](https://x.com/PhantomStays/status/2021878081120506331)  2026-02-12T09:24Z 23.5K followers, [---] engagements


"Being unemployable is sick bc u can just fck off on a random wednesday and drop sum $$ to go to the olympics"  
[X Link](https://x.com/PhantomStays/status/2021937290650747079)  2026-02-12T13:19Z 23.5K followers, [----] engagements


"Just wrapped a call with a UK-born land investor who's a proper digital nomad bouncing between Tokyo Budapest Switzerland etc. Epic life. Sophisticated tax setup in too. Profitable deals. Just landed his first American Express card in the US. But here's the thing he's been dropping retail prices on hotels in these insane markets. Tokyo rooms are shoebox tiny unless you're paying $1000+ per night. His travel budget was getting demolished. Quick fix. we're getting him into our fractional hotel ownership program. This locks him into limited-service properties (think Courtyard by Marriott"  
[X Link](https://x.com/PhantomStays/status/2021947665538273452)  2026-02-12T14:01Z 23.5K followers, [----] engagements


"Georgia 0% tax setup Answered by Phantom AI @PhantomStays what's the Georgia tax setup he has Seen Nomad Capitalist go on about this a lot @PhantomStays what's the Georgia tax setup he has Seen Nomad Capitalist go on about this a lot"  
[X Link](https://x.com/PhantomStays/status/2022007210210210127)  2026-02-12T17:57Z 23.5K followers, [----] engagements


"Hahaha laughed more than I should have at this An employee requested to work remotely from Bali for six months. He wanted to live the 'digital nomad' lifestyle. I told him absolutely. We believe in work-life integration. I approved his 'Global Mobility' application immediately. He was thrilled to trade his apartment for An employee requested to work remotely from Bali for six months. He wanted to live the 'digital nomad' lifestyle. I told him absolutely. We believe in work-life integration. I approved his 'Global Mobility' application immediately. He was thrilled to trade his apartment for"  
[X Link](https://x.com/PhantomStays/status/2022362945611796524)  2026-02-13T17:31Z 23.5K followers, [----] engagements


"Just hopped on a call with an Australian real estate investor running a smart strategy in Florida. $200k/year flowing into renovations contractors etc He tried to go for US Amex on his own but his app has been stuck in limbo for [--] weeks. Worse US lenders treating him like a risky foreign national hitting him with trash refinance rates. Meanwhile he's putting $200k through the system via debit cards with zero points strategy. We're flipping the entire setup. I'm realigning his vision to focus on the Capital One Venture X Business card for all his construction spend insurance payments and"  
[X Link](https://x.com/PhantomStays/status/2022672436588634602)  2026-02-14T14:01Z 23.5K followers, [----] engagements


"Phantom Stays is an international living community for backpacker final bosses who value living an opulent life around the 🌏 for less. sign up to the newsletter to learn more - https://phantomstay.com/newsletter https://phantomstay.com/newsletter"  
[X Link](https://x.com/PhantomStays/status/2023037134513291495)  2026-02-15T14:10Z 23.5K followers, [---] engagements


"Wake up call for global founders: You dont need a US passport. But you can still get: ✅ Up to 6% cash back w/ Amex ✅ $200k+ credit limits ✅ $50/night luxury hotels ✅ Biz class flights for free ✅ 0% tax (done right) The game is rigged unless you know the cheat codes"  
[X Link](https://x.com/PhantomStays/status/1958185279023374802)  2025-08-20T15:12Z 23.5K followers, [----] engagements


"wen u finally start earning 4x amex points after years of using a debit card to scale"  
[X Link](https://x.com/PhantomStays/status/2018988745769254930)  2026-02-04T10:03Z 23.5K followers, [----] engagements


"The ONLY nationalities that CANNOT open a Chase business bank account / credit card for their US LLC (remotely): Iran Cuba North Korea Ukraine Syria Myanmar Sudan The rest of you debit card losers there is no excuse for you to NOT be racking up points on the most benefit-packed bank in the world. JP Morgan Chase. Damn. You'll get rich by just saying it. In [--] days: ✅ Open a real high street bank acct ✅ Start spending on a real US biz credit card earn 3% cash back or 3x points ✅ Travel for free optimize tax down to 0% attain global prowess. All because you have a US LLC + Chase Biz Banking. No"  
[X Link](https://x.com/PhantomStays/status/2018997128685629814)  2026-02-04T10:36Z 23.5K followers, [----] engagements


"Im in Switzerland right now. aside from all the positives Ive realized [--] things: [--]. Most expensive country (across the board) that Ive ever been [--]. Shockingly bad English [--]. Garbage systems are confusing asf [--]. Ppl very stoic & not hospitable. Dont seem that kind to foreigners. [--]. Rules are worshiped Im here for another month so we shall see but so far not sure I could live here. https://twitter.com/i/web/status/2019034080470278188 https://twitter.com/i/web/status/2019034080470278188"  
[X Link](https://x.com/PhantomStays/status/2019034080470278188)  2026-02-04T13:03Z 23.5K followers, 48.1K engagements


"@maskyvids Of course but it is the global lingua franca. for the level of wealth and education youd think they would all know it. I find better English in Spain for example. Its just unusual"  
[X Link](https://x.com/PhantomStays/status/2019056699848495386)  2026-02-04T14:33Z 23.5K followers, [----] engagements


"The problem with Costa Rica in general is that its not even Costa Rica anymore. It's in central america with even shittier infrastructure. Yet its expensive as hell Sterile vibes similar to Puerto Rico. It's a shame because CR has incredible surfing beaches & kind people. But this was bottom [--] countries on my global list for the above reasons. There are many reasons Im bullish on Guanacaste Costa Rica. Heres one stat I point to when people ask whether Im concerned about long-term property values: Liberia Airport passenger traffic (every [--] years since 2000): - [----] [-----] - [----] [------] - 2008"  
[X Link](https://x.com/PhantomStays/status/2019072136808112509)  2026-02-04T15:34Z 23.5K followers, [----] engagements


"This EU country doesnt feel like a real place Only 42k people 8x less land area than NYC quaint cafes epic mountain vistas great skiing/hiking within minutes sure maybe its ancient tax haven days have sailed but their estate planning vehicles & banks r still intriguing Liechtenstein https://twitter.com/i/web/status/2019513157669032052 https://twitter.com/i/web/status/2019513157669032052"  
[X Link](https://x.com/PhantomStays/status/2019513157669032052)  2026-02-05T20:47Z 23.5K followers, [----] engagements


"correct. if the above person does nothing to properly situate their tax home intentionally the last place of their residence (as you described) will be their de facto tax home. key is to structure yourself intentionally using any of the many great tax residency options (Paraguay panama cyprus malta dubai) underneath a US LLC. a US LLC alone is not enough"  
[X Link](https://x.com/PhantomStays/status/2021208990135279911)  2026-02-10T13:05Z 23.5K followers, [---] engagements


"@Manufussing @MrTriggerDon Not if structured properly. I have plenty of clients setup in Cyprus using a US LLC"  
[X Link](https://x.com/PhantomStays/status/2021519154352910832)  2026-02-11T09:38Z 23.5K followers, [--] engagements


"UK born US LLC structure for Ecom biz - US banking - US Shopify payments (low fees) - US Amex 0% tax residency in Paraguay Thats sovereignty Fully optimized global life as a high earner Not a playbook for all but cant go wrong with this. Congrats huge win 🏆 US Amex secured without ever stepping foot in a US bank. 4x points loading. Shoutout @PhantomStays https://t.co/k0CDPGIaKx US Amex secured without ever stepping foot in a US bank. 4x points loading. Shoutout @PhantomStays https://t.co/k0CDPGIaKx"  
[X Link](https://x.com/PhantomStays/status/1949671384667631710)  2025-07-28T03:20Z 23.5K followers, 221K engagements


"Pursuing credit card points are retarded if you don't: [--]. travel over [--] days per year (or fly [--] times) [--]. spend less than $15k/month in combined biz and personal expenses Here is why: The US credit system (Amex especially) is built on one core pillar - majority of ppl will get these cards as a status symbol or bc they're in a financial pinch and act like fcking retards (aka these ppl become wildly profitable to Amex and in return those of us who use credit cards and points in the correct way). These irresponsible ppl will do [--] of [--] things to solidify this reality. [--] - Don't spend"  
[X Link](https://x.com/PhantomStays/status/2021211828227842050)  2026-02-10T13:17Z 23.5K followers, [----] engagements


"Phantom Stays is an international living community for backpacker final bosses who value living an opulent life around the 🌏 for less. sign up to the newsletter to learn more - https://phantomstay.com/newsletter https://phantomstay.com/newsletter"  
[X Link](https://x.com/PhantomStays/status/2021693288982491239)  2026-02-11T21:10Z 23.5K followers, [---] engagements


"Phantom Stays is an international living community for backpacker final bosses who value living an opulent life around the 🌏 for less. sign up to the newsletter to learn more - https://phantomstay.com/newsletter https://phantomstay.com/newsletter"  
[X Link](https://x.com/PhantomStays/status/2021949985764294724)  2026-02-12T14:10Z 23.5K followers, [---] engagements


"@Nishendigital Had one before got 10k subs but dont like being on camera at this stage of my life. May do it some day soon"  
[X Link](https://x.com/PhantomStays/status/2022302255446139149)  2026-02-13T13:30Z 23.5K followers, [---] engagements


"Phantom Stays is an international living community for backpacker final bosses who value living an opulent life around the 🌏 for less. sign up to the newsletter to learn more - https://phantomstay.com/newsletter https://phantomstay.com/newsletter"  
[X Link](https://x.com/PhantomStays/status/2022314908033933770)  2026-02-13T14:20Z 23.5K followers, [---] engagements


"Just hopped on a call with a Belgian founder living in Dubai. 30-person team selling in [--] markets travels 10-12 countries per year. He's spending $120000 annually out of pocket on travel. And get this he's running $10000 per day on ads that's over $300k monthly using debit and cash. [--] points. But here's the extra frustrating part: he's stuck in this complex Hong Kong nominee structure that routes everything through China. Meaning He doesn't legally "own" the revenue for credit purposes. Can't scale limits. Can't access proper banking. Trapped in Dubai's expensive inefficient banking system"  
[X Link](https://x.com/PhantomStays/status/2023034828577218908)  2026-02-15T14:01Z 23.5K followers, [----] engagements


"@kevpri1 Meant Belgium sorry"  
[X Link](https://x.com/PhantomStays/status/2023124340569481663)  2026-02-15T19:56Z 23.5K followers, [--] engagements


"u must experience (at least once in ur life) the dramatic feeling of flying into Santa Fe (SAF) this overwhelming creative energy comes over you create anything youve ever dreamed Mixed w an unstoppable almost conniving energy. breaking bad type aura. wild"  
[X Link](https://x.com/PhantomStays/status/2007824388314234916)  2026-01-04T14:40Z 22.2K followers, [----] engagements


"This morning I connected with a Czech ecom operator scaling fast $750k/month revenue through a US LLC running operations from Europe. Here's the problem: he's pushing $300k+ in monthly ad spend through Slash and Mercury DEBIT cards. Zero float. Zero breathing room. Cash leaves the bank account the second he hits launch. On top of that he's holding serious capital in Mercury exposing himself to the same aggressive shutdown risk that burned 300+ of my client's businesses last year. And Mercury's 30% daily payout limits They're choking his ability to move fast on inventory and hiring. We're"  
[X Link](https://x.com/PhantomStays/status/2008247954738487691)  2026-01-05T18:43Z 22.6K followers, [----] engagements


"Earlier I was on a call with a Vancouver ecom founder [--] year deep in his Shopify brand printing solid revenue He's stuck in what he called "the Canadian tax hell hole" paying brutal personal income tax rates on pass-through while watching his US competitors stack cash and points with American Express Business Gold cards he can't even touch. I walked him through the play that drops his tax liability immediately while setting up a clean 0% exit down the road once he is ready to change residencies (1-2 years he said). First forget the LLC. That's a pass-through entity still triggers full"  
[X Link](https://x.com/PhantomStays/status/2009261151788446053)  2026-01-08T13:49Z 22.8K followers, [----] engagements


"Just wrapped a juicy call with a [--] y/o ecom founder from Slovenia running up $60k-$100k monthly from his parents basement 😮💨. His [--] y/o brother handles legal + financials while still in university. These two are executing at a level most 30-year-olds can't touch. But here's the issue: they're 100% on Mercury (zero credit building) which means no US credit score can't touch Amex and missing 4x points on every dollar of ad spend. Bigger L When they hit a winning product and need to scale fast they're cash-strapped. No working capital = can't pour gas on fire when it matters most. They just"  
[X Link](https://x.com/PhantomStays/status/2009324506259546532)  2026-01-08T18:01Z 22.8K followers, [----] engagements


"Amex will always be the points king AND cash back king for advertisers 👑 💳 Switch back and forth as you wish whichever you prefer Up to 5.5% cash back with the biz Amex gold card when used for pure cash back or 25% cash back when the pts are used for biz class flights Many think Amex points are the way to go for FB/Google ads but I actually think it's cash back. There are cards that will give you 3%. If you spend $500K/mo on ads that's $15000 in cash. At $1M/mo in spend that's $30000 in cash. Almost a top 0.5% salary in cash back alone. Many think Amex points are the way to go for FB/Google"  
[X Link](https://x.com/PhantomStays/status/2009670171997405613)  2026-01-09T16:54Z 23.2K followers, [----] engagements


"Major disgrace of the modern world is that design is rarely done with love look how elevated this public shower space becomes purely from using brushed black ADA bars instead of those shit silver ones these bars are so horrid that I really thought in the case of use there would be no possibility of rescuing that bathrooms feng shui. this example shows that little efforts go a long way https://twitter.com/i/web/status/2010514532519629001 https://twitter.com/i/web/status/2010514532519629001"  
[X Link](https://x.com/PhantomStays/status/2010514532519629001)  2026-01-12T00:49Z 22.9K followers, [----] engagements


"American Airlines said fuck ur melatonin production"  
[X Link](https://x.com/PhantomStays/status/2010523789273207266)  2026-01-12T01:26Z 23.1K followers, [----] engagements


"Just got off a call with a EU-born founder w/ a $10m nw living in Paraguay running a large public treasury company. Takes 25+ intercontinental flights per year hitting San Francisco New York and Singapore for investor meetings. He's already flying biz class and staying at 5-star properties but here's the L: he just paid over $11000 cash for a single trip to Singapore with terrible routing and dropped $550 per night for a suite at the Ritz in Singapore. Just burning capital on full-fare tickets and rack rates while building zero travel equity. This is the exact profile where Phantom"  
[X Link](https://x.com/PhantomStays/status/2011034254222791003)  2026-01-13T11:15Z 22.6K followers, [----] engagements


"Just got off a call with a Canadian student from India running an ecom store at $90k/month ($1M run rate) while on a student visa. Dropping out in a few weeks. Moving to Bali or Colombia by April. Smart kid. But here's the problem: his setup almost killed the business last month. During New Year's Shopify payouts delayed [--] days. He had zero cash on hand so he had to PAUSE winning ad campaigns mid-momentum because he couldn't float the spend. Meanwhile competitors kept running. By the time payouts hit he'd lost weeks of scale. Oh and his credit score [---]. and in Canada lol. Completely fcked."  
[X Link](https://x.com/PhantomStays/status/2011047101124256093)  2026-01-13T12:06Z 22.8K followers, [----] engagements


"Phantom Stays is an international living community for backpacker final bosses who value living an opulent life around the 🌏 for less. sign up to the newsletter to learn more - https://phantomstay.com/newsletter https://phantomstay.com/newsletter"  
[X Link](https://x.com/PhantomStays/status/2011065755681399071)  2026-01-13T13:20Z 22.6K followers, [----] engagements


"Just spoke with a Dutch founder who moved to Dubai scaled his e-com from 3M to 16M in [--] months. He's crushing it $60k/day in ad spend rn about to break $20M revenue. But here's the problem: his ad payments are failing every single day. Mercury has him capped at $20k daily spend. He needs $60k. So every morning he's manually juggling payments begging support to lift limits watching campaigns pause mid-flight. And that's just the start. He's bleeding 1.5% on every dollar because he's processing US customer payments through Dutch Shopify rails. On $18M/year that's $270000 just evaporating into"  
[X Link](https://x.com/PhantomStays/status/2011347835396964854)  2026-01-14T08:01Z 23.3K followers, 78.1K engagements


"This is the exact banking stack I recommend to all ecom founders that I work with 🎯 Different banks for different goals. Fintechs (the ones that don't shut you down) are great for efficient operating while high-street banks like Chase are great for credit building and big lines of credit/loans. @AdsWithMarian Mercury + Slash + remotely opened a Chase Bank Mercury is backup. Because they are known to close your account. Slash is main operating. Very solid. Chase for the credit card and points @AdsWithMarian Mercury + Slash + remotely opened a Chase Bank Mercury is backup. Because they are"  
[X Link](https://x.com/PhantomStays/status/2011352124160954573)  2026-01-14T08:18Z 22.8K followers, [----] engagements


"@shauneng Dont come back stay in iceland money twit doesnt need u"  
[X Link](https://x.com/PhantomStays/status/2011352768980963641)  2026-01-14T08:20Z 22.8K followers, [----] engagements


"Phantom Stays is an international living community for backpacker final bosses who value living an opulent life around the 🌏 for less. sign up to the newsletter to learn more - https://phantomstay.com/newsletter https://phantomstay.com/newsletter"  
[X Link](https://x.com/PhantomStays/status/2011380325293654115)  2026-01-14T10:10Z 22.8K followers, [----] engagements


"The Dutchie cases are everyones favorite Phantom peak engagement bait- just call all of my clients Dutch lol Just finished a call with a [--] y/o founder from NL who's clearly tapped in with the dutch ecom-savant gene pool. Started his ecom brand in Sept and scaled from $22k/mo to projected $300k in Dec nearly tripling every single month. To put it lightly his structure could be Just finished a call with a [--] y/o founder from NL who's clearly tapped in with the dutch ecom-savant gene pool. Started his ecom brand in Sept and scaled from $22k/mo to projected $300k in Dec nearly tripling every"  
[X Link](https://x.com/PhantomStays/status/2011407066896937367)  2026-01-14T11:56Z 22.8K followers, [----] engagements


"Earlier this week I spoke with an Australian ecom founder running an 8-figure brand through a US LLC structure. He's processing half a million dollars monthly through US fintech credit cards on Net [--] terms. Here's the funny part: he's got a beginner personal Chase credit card sitting in a drawer and $150k parked in Chase Private Client that he's doing absolutely nothing with. Meanwhile his ad spend is earning zero premium multipliers because he can't access the US rewards ecosystem without a 'normal' US credit score. Millions of points left on the table. Each month. We're fixing this with a"  
[X Link](https://x.com/PhantomStays/status/2011463830140813489)  2026-01-14T15:42Z 23.2K followers, [----] engagements


"Phantom Stays is an international living community for backpacker final bosses who value living an opulent life around the 🌏 for less. sign up to the newsletter to learn more - https://phantomstay.com/newsletter https://phantomstay.com/newsletter"  
[X Link](https://x.com/PhantomStays/status/2011561545176687034)  2026-01-14T22:10Z 22.8K followers, [---] engagements


"@365day4delivery correct. that is math"  
[X Link](https://x.com/PhantomStays/status/2011584936667718095)  2026-01-14T23:43Z 22.8K followers, [---] engagements


"The biggest L of having a co in any other backwater country that aint the US of fcking A . u noobs are always chasing up receipts I can't tell you the amt of time my new clients waste who sign up with their UK LLP Dutch BV etc begging for my team to issue them "receipts for accounting purposes" For a fcking $783 purchase too LOL That just doesn't exist when you are using a US LLC. As a seller OR a customer. As a matter of fact there are no outward facing accounting requirements PERIOD when you are foreigner using a US LLC as your structure. No wonder all you fucks wanna swap out ur predatory"  
[X Link](https://x.com/PhantomStays/status/2011710235128312157)  2026-01-15T08:01Z 22.8K followers, [----] engagements


"Just had a valuable call with a [--] y/o email agency owner from the Netherlands running an operation that costs $40k/mo (staff + subscriptions). He's swimming in profit but here's the problem: He wants to fly business class 12-15 times/yr. But when we ran the math it wasnt mathin'. His spend won't produce the amount of pts he needs. Even with optimal multipliers on his spend he'd earn maybe 50k points a month. That's only enough for 3-5 long-haul business class flights annually. He'd still be stuck paying cash or flying economy for the other 7-10 trips. Not exactly the lifestyle you're"  
[X Link](https://x.com/PhantomStays/status/2011743170044764339)  2026-01-15T10:12Z 22.8K followers, [----] engagements


"70k views what did i say MFers love the stories about the Dutch fools may just be my favorite country Just spoke with a Dutch founder who moved to Dubai scaled his e-com from 3M to 16M in [--] months. He's crushing it $60k/day in ad spend rn about to break $20M revenue. But here's the problem: his ad payments are failing every single day. Mercury has him capped at $20k Just spoke with a Dutch founder who moved to Dubai scaled his e-com from 3M to 16M in [--] months. He's crushing it $60k/day in ad spend rn about to break $20M revenue. But here's the problem: his ad payments are failing every"  
[X Link](https://x.com/PhantomStays/status/2011846006539710844)  2026-01-15T17:00Z 22.8K followers, [----] engagements


"@Samdxb911 I didnt mention ITIN or amex in this post at all"  
[X Link](https://x.com/PhantomStays/status/2011846422421774547)  2026-01-15T17:02Z 22.8K followers, [---] engagements


"Yesterday I connected with a [--] year old Swiss founder running $35M/year through a US LLC scaling hard to $100M Dude's been crushing it with Slash + Mercury banking pulling 2.3% flat cash back on everything. Smart setup. But he hit me with this: "Points feel too complicated to redeem. Plus I'm foreign there's no way I can get premium US credit limits like Chase or Amex. That's for Americans only." I hear this constantly from international founders. It's the biggest misconception costing them millions in travel arbitrage and limiting their ability to scale past $50M. Here's what we're doing to"  
[X Link](https://x.com/PhantomStays/status/2012072595093385334)  2026-01-16T08:01Z 23.2K followers, 51.5K engagements


"US banking for business activity Swiss banking for wealth generation and estate planning Mars banks for space exploration Different rails for each goal Can any1 tell me why @PhantomStays but why would he need US banking when he has Swiss banking The Swiss banks are known to be among the best in these cases. Genuinely asking @PhantomStays but why would he need US banking when he has Swiss banking The Swiss banks are known to be among the best in these cases. Genuinely asking"  
[X Link](https://x.com/PhantomStays/status/2012444446713860257)  2026-01-17T08:38Z 22.9K followers, [----] engagements


"I was about to make a comment that in short flights intra-Europe in biz class its the same bullshit Most definetaly not. America is truly cooked (On Swiss air [--] hour flight)"  
[X Link](https://x.com/PhantomStays/status/2013291770663022771)  2026-01-19T16:45Z 22.9K followers, 12.1K engagements


"THE MODERN EUROPEAN PLAUGE ARE THE BATHROOM CONTRACTORS RETARDED"  
[X Link](https://x.com/PhantomStays/status/2013707862246056036)  2026-01-20T20:19Z 23.2K followers, [----] engagements


"@thenftygroup Yeah its the most boring billionaire claim ever"  
[X Link](https://x.com/PhantomStays/status/2013920578235736180)  2026-01-21T10:24Z 22.9K followers, [---] engagements


"@TimurNegru any must sees I'm in Chamonix right now but will be in St Moritz/Zurich area in [--] weeks"  
[X Link](https://x.com/PhantomStays/status/2014029527819686050)  2026-01-21T17:37Z 22.9K followers, [----] engagements


"When I die bury me in the high alps in France"  
[X Link](https://x.com/PhantomStays/status/2014286556429774960)  2026-01-22T10:38Z 23.2K followers, [----] engagements


"Spoke with a UK founder this morning originally from Nigeria. He's running a US-facing ecom business AND flipping 8-br properties stateside. Hustler energy But here's where it gets painful: Every single ad dollar he spends goes through his UK Amex card. Think about that for a second: Shopify pays him in USD (US LLC). He converts those dollars to GBP. Then he spends those pounds on USD ads triggering foreign transaction fees every time. He's literally paying to lose money on currency conversion twice. Once on the way in once on the way out. And his UK Amex The point multipliers are absolute"  
[X Link](https://x.com/PhantomStays/status/2014337519140180371)  2026-01-22T14:01Z 23.3K followers, [----] engagements


"Just wrapped a call with an Amazon seller from Sweden based in Shenzhen. been running his biz from China for six years speaks fluent Mandarin and is spending $100k/month on ads. $1.2 million annually. The L: he's been routing everything through a Hong Kong entity with zero US credit stack. No points accumulation whatsoever. He's got a one-year-old ITIN sitting there doing nothing no active trade lines and he's leaving roughly $20000 per month in points value on the table. We're flipping the entire operation and it's going to be a trip. First move is immediate: transition all revenue flow from"  
[X Link](https://x.com/PhantomStays/status/2014760301762056403)  2026-01-23T18:01Z 23.3K followers, [----] engagements


"Just spoke with a French digital advertiser with a Panama tax residency (0%). Specializes in courses ebooks Info products. Smart dude. Has quite the net worth for his age. But his ad spend strategy Not so smart. He's running his US LLC through fintechs at the moment. Zero US credit infrastructure. No amex no Chase no points. Just raw spend disappearing into the void while leaving [--] figures of annual value on the table. His other concern He's one fintech shutdown away from his entire business grinding to a halt. So here's exactly how we're fixing this and why the execution details matter way"  
[X Link](https://x.com/PhantomStays/status/2015062291369115746)  2026-01-24T14:01Z 23.3K followers, [----] engagements


"UK folk were the colonization winners & they r STILL everywhere as travelers Right now im skiing on the border of France/Italy. Other than French & Italians the ONLY other group of ppl Ive met is Brits. 100s of them. Wildly fun ppl too Can someone explain this phenomenon to me"  
[X Link](https://x.com/PhantomStays/status/2015360217865736250)  2026-01-25T09:44Z 23.4K followers, [----] engagements


"Very true for but better playbook is as follows [--]. Second passport (European preferred through a number of methods in a few years). Wouldnt trust that CBI Caribbean BS. [--]. Renounce US passport [--]. Tax residency in Paraguay [--]. Home bases in across EU SEA and LATAM [--]. 0% tax legally on global income & cap gains If you leave CA for Miami or Austin you will consider exiting America sooner or later. The options are a St Kitts passport and residency in: [--]. UAE [--]. Singapore [--]. Switzerland (this may get more complicated) The world needs a European Dubai a Tech Switzerland. If you leave CA for Miami or"  
[X Link](https://x.com/PhantomStays/status/2015419053267877987)  2026-01-25T13:38Z 23.4K followers, [----] engagements


"Phantom Stays is an international living community for backpacker final bosses who value living an opulent life around the 🌏 for less. sign up to the newsletter to learn more - https://phantomstay.com/newsletter https://phantomstay.com/newsletter"  
[X Link](https://x.com/PhantomStays/status/2015429501098844405)  2026-01-25T14:20Z 23.4K followers, [----] engagements


"@adv_ceo @ondrej_bartos_ Paraguay - 0% if you do it right. Live in europe still. Not rocket science"  
[X Link](https://x.com/PhantomStays/status/1971149343957946864)  2025-09-25T09:46Z 23.5K followers, [----] engagements


"So what to do now First consider transferring your soon-to-be nerfed AU Amex pts before [--] Dec [----]. Next if you are a High-spend founder from AUS consider a US Amex setup for higher transfer rates (1:1 partners only) + higher earn rates. Reply AUS for our playbook"  
[X Link](https://x.com/PhantomStays/status/1972998527870435709)  2025-09-30T12:14Z 23.4K followers, [---] engagements


"Aussie founders shouldnt get nerfed on every dollar of ad spend. If you run $20k+/month through cards the spread here is massive. Phantom helps global founders unlock owner-level hotel rates + smarter Amex points usage/earnings. Reply AUS' Sub to our newsletter to learn more - http://phantomstay.com/newsletter http://phantomstay.com/newsletter"  
[X Link](https://x.com/PhantomStays/status/1972998531284611098)  2025-09-30T12:14Z 23.4K followers, [---] engagements


"Paraguay wins in classic Phantom style: 0% tax ZERO days required minimal costs and maximum freedom. Dubai demands presence (90 days per year) paperwork and high renewal costs. More of a bureaucratic system. Posers who sell u crap etc. Middle East sucks. Paraguay @PhantomStays Explain the Paraguay setup and why its better than Dubai @PhantomStays Explain the Paraguay setup and why its better than Dubai"  
[X Link](https://x.com/PhantomStays/status/1998499443126288757)  2025-12-09T21:06Z 23.4K followers, 29.2K engagements


"This is the most retard take I have ever seen [--]. Paraguay 0% tax residency is one of the few in the world that does NOT require a minimum amount of days stayed per year to work properly [--]. You chose shit photos. Its an up and coming spot with wildly vibrant opportunities & network Visit once get a 0% tax residency on global income travel the world (spend less than [--] months per year in each country) Its a high earning digital nomad dream setup A 0% tax setup like this sounds wonderful - until you realize. You have to live in Paraguay. You get what you pay for. https://t.co/dMAs9WO3T7 A 0% tax"  
[X Link](https://x.com/PhantomStays/status/2005774555298537782)  2025-12-29T22:54Z 23.4K followers, 57.1K engagements


"US AMEX BIZ GOLD APPROVAL IN [--] MONTHS CASE STUDY (FROM ZERO) For those of you who apply yourselves this is what you can expect as a timeline to access high-value biz credit cards in the US credit system (with no previous credit exposure). This is a case study from a Phantom member that joined April [----]. His name is Kfir from Israel. Anyone can do this even Americans with shit credit scores. Print this out and pin it on your wall so you don't forget set calendar notifications. Do whatever you gotta do. I can lead a horse to water but I CAN'T MAKE IT DRINK. So what does it ACTUALLY take to"  
[X Link](https://x.com/PhantomStays/status/2013568933731651965)  2026-01-20T11:06Z 23.4K followers, [----] engagements


"Im sorry Switzerland I was not familiar with your game"  
[X Link](https://x.com/PhantomStays/status/2013730893894992369)  2026-01-20T21:50Z 23.4K followers, 35.6K engagements


"all the dubai bros will never experience this feeling & that sucks"  
[X Link](https://x.com/PhantomStays/status/2014628767449157836)  2026-01-23T09:18Z 23.5K followers, 24.4K engagements


"Yesterday I jumped on a call with two software founders based in Dubai originally from running a US LLC with $200k in monthly biz expenses They've got this complex setup: Hong Kong holding company layered on top living tax-free in Dubai burning $40k every month on software subscriptions and OpenAI credits alone. Smart guys good revenue. But here's the problem: they're completely unbanked in the real US system. Everything's running through Mercury (FinTech) zero American credit footprint just wiring money and using debit for everything. That $40k/month in software spend Dead money. No points"  
[X Link](https://x.com/PhantomStays/status/2014699924114280893)  2026-01-23T14:01Z 23.4K followers, 43.6K engagements


"Skiing in Italy is wild bc u can shred all day with views like this & then get this at a ski lodge for [--] euros"  
[X Link](https://x.com/PhantomStays/status/2015415523371000194)  2026-01-25T13:24Z 23.4K followers, 54.9K engagements


"Last week I talked to a Swedish ecom founder doing $5M/year in revenue burning $200k/month on ads. Smart guy moved to Poland thinking he'd solved the tax equation Yet he's still getting bent over for $150k/year in taxes (he chose the 3% of rev polish option) 😢 Even worse his entire $2.4M annual ad spend is running through unoptimized rails. No US credit history no point multipliers nothing. And get this. he's routing payments through his girlfriend's Polish PayPal because he got banned previously. One breakup txt away from killing his entire biz infrastructure. Don't fret we're fixing all of"  
[X Link](https://x.com/PhantomStays/status/2015424680212001223)  2026-01-25T14:01Z 23.5K followers, [----] engagements


"MFers will live like this but doing $5m/mo"  
[X Link](https://x.com/PhantomStays/status/2015504005028352331)  2026-01-25T19:16Z 23.5K followers, 24.8K engagements


"Louder for the ppl in the back Used to dropship did $10m in [--] year. Walked away with $2.9k/mo profit LOL Had a whole team of employees to take care of. dont get me started on bans & chargebacks. called it quits started my current biz. now clear over $1m/yr in profit. 80% margin. [--] full time team members who are A killers & dont need much direction. cleaner biz with satisfied customers. actually helping ppl not just selling Chinese trinkets (not saying this is all dropshipping but a majority is crap) strong believer in knowing ur self worth & worth to humanity equally to achieve said state"  
[X Link](https://x.com/PhantomStays/status/2015562246168998050)  2026-01-25T23:07Z 23.5K followers, 78.3K engagements


"hookah bros will stg they hate any sort of outdoor adventure activity but wont realize it aint too far off from what they know just 100x better Ski for few hours hit some jumps pristine mtn views bumping tunes feel free Then apres after and vibe to music. Chat w the birds. Have some fun. Sauna. Bed by 10pm Minimal alc consumption if any. Mushies yes. Good music good friends. Fresh mountain air. [--] hours sleep. Wholesome But they aint ready for this https://twitter.com/i/web/status/2015741146744394038 https://twitter.com/i/web/status/2015741146744394038"  
[X Link](https://x.com/PhantomStays/status/2015741146744394038)  2026-01-26T10:58Z 23.5K followers, [----] engagements


"U dont know game bro Also the entire fcking point of the post was that revenue DOES NOT matter My little undeveloped frontal lobe learned that the hard way @PhantomStays You never did 10m in on year bro we both k ow that shit never happened although I believe the $2.9k part 😂 @PhantomStays You never did 10m in on year bro we both k ow that shit never happened although I believe the $2.9k part 😂"  
[X Link](https://x.com/PhantomStays/status/2015751104877789420)  2026-01-26T11:38Z 23.4K followers, 21.3K engagements


"Just wrapped a call with a new group member: a wealthy French investor based in Mauritius & self proclaimed "pro traveler." We'll see about that. For starters he's doing 100+ nights per year in hotels burning cash on platforms like BookingDOTcom. Zero elite status. Zero points accumulation. Just paying full retail like a normie. Then I introduced the concept of Phantom Rates: 80-95% off [--] star hotels around the world thanks to fractional ownership of franchised hotels. Put simply we operate hotels in the US market that have awesome owner travel perks that extend across 10000+ hotels"  
[X Link](https://x.com/PhantomStays/status/2015787086234685578)  2026-01-26T14:01Z 23.4K followers, [----] engagements


"Just saved a [--] y/o Dutch ecom founder who's spending $100k/mo on ads from the dusty loins of Dubai 💀 He's currently juggling a messy Dutch company/HK limited setup. prepping to bounce between Bali and Spain in terms of time spent but his current structure is holding him hostage (mainly lack of residency). Stuck on restrictive European banking rails zero access to US credit and leaving millions in points on the table every single year. Here's how we're blowing this whole thing up: First we're immediately establishing a US LLC to sit on top of everything. This becomes the king structure all"  
[X Link](https://x.com/PhantomStays/status/2016149474012283021)  2026-01-27T14:01Z 23.4K followers, 22.5K engagements


"This morning I got on a call with a Brazilian aff marketer crushing it in the nutra space- $1.8M/year ($150k/mo) in spend. He's got a US SSN but no passport (cheat code status for credit building) and is moving residency to Paraguay . His setup could be great but its a complete disaster waiting to blow up. He's using Cart Panda as his Merchant of Record which is falsely inflating his chargeback rate to 5% by counting alerts AS chargebacks. He's paying tax "nowhere" with zero paper trail which is a ticking time bomb for his banking relationships/ international lifestyle. And he needs a way to"  
[X Link](https://x.com/PhantomStays/status/2016512594417176924)  2026-01-28T14:04Z 23.4K followers, [----] engagements


"No. No high value US biz credit card have foreign transaction fees (chase amex etc) There is no reason why anyone making over $10k/month should be using anything OTHER than US credit. Just makes [--] sense. There is no downside in the land of print on demand money 💸🦅 @PhantomStays Question do you have payment fees if you pay in foreign currencies with Amex Biz Gold @PhantomStays Question do you have payment fees if you pay in foreign currencies with Amex Biz Gold"  
[X Link](https://x.com/PhantomStays/status/2016605328851280257)  2026-01-28T20:12Z 23.4K followers, [----] engagements


"Dutch stories remain unbeaten Always running up the views in my posts just like their Shopify store numbers 🤣 Just saved a [--] y/o Dutch ecom founder who's spending $100k/mo on ads from the dusty loins of Dubai 💀 He's currently juggling a messy Dutch company/HK limited setup. prepping to bounce between Bali and Spain in terms of time spent but his current structure is holding him Just saved a [--] y/o Dutch ecom founder who's spending $100k/mo on ads from the dusty loins of Dubai 💀 He's currently juggling a messy Dutch company/HK limited setup. prepping to bounce between Bali and Spain in"  
[X Link](https://x.com/PhantomStays/status/2016625583396933914)  2026-01-28T21:33Z 23.4K followers, [----] engagements


"Real exchange rate yesterday at 2pm CEST was [------] euros = $132. I was charged $133.51 on my credit card statement. If ur using the right cards its marginal. I earned 3x points of transferable airlines miles on this transaction which equates to about 15% cash back. ($.05 point value assumed which is conservative) https://twitter.com/i/web/status/2016874106487005467 https://twitter.com/i/web/status/2016874106487005467"  
[X Link](https://x.com/PhantomStays/status/2016874106487005467)  2026-01-29T14:00Z 23.4K followers, [--] engagements


"Just hopped on a call with a dual-citizen  investment banker currently "networking" in Medellin Colombia (lol) Runs a IB advisory firm pulling $15k-$20k per engagement plus success fees on capital raises. Now transitioning into a full private equity model to acquire companies using deal flow profits. Here's the problem: he's running everything on legacy Canadian rails despite doing global business. Zero US presence no ITIN completely locked out of Chase and Bank of America the exact banks he'll need relationships with to fund 8-figure M&A deals. And because he's bouncing between Colombia and"  
[X Link](https://x.com/PhantomStays/status/2016874234451022206)  2026-01-29T14:01Z 23.4K followers, [----] engagements


"The ending of an era. Goodbye unlimited 4x Amex Biz Gold points 😢 But trust there is always a workaround (keep reading). Confirmed with my Amex team Amex Gold cards are now officially capped at [--] card per business. A quick silent death to the greatest points arbitrage of the decade. This comes after years of advertisers worldwide milking 10+ Amex gold cards per EIN to maximize 4x point earnings on ad spend (more like 5.16x since each additional card came with a [------] point welcome bonus). Sad day. Light one up for ur points homies. The old way: 💳 Get ur Amex team to issue u a new Amex Gold"  
[X Link](https://x.com/PhantomStays/status/2017278603596124233)  2026-01-30T16:47Z 23.5K followers, 21.3K engagements


"@axeltrades369 Na its uncapped again check the slack ;)"  
[X Link](https://x.com/PhantomStays/status/2019023515328876767)  2026-02-04T12:21Z 23.5K followers, [---] engagements


"@blissnbusiness South of Spain + Medellin Colombia + Bali"  
[X Link](https://x.com/PhantomStays/status/2019070708966391965)  2026-02-04T15:29Z 23.5K followers, [----] engagements


"@benjaminakar In the southeast near Zurich. In the mountains. Small towns"  
[X Link](https://x.com/PhantomStays/status/2019092300131975208)  2026-02-04T16:54Z 23.5K followers, [----] engagements


"@Chris_Mischler Not impressed so far italy/france was much better so far. but the snow also is not great now so hopefully that changes next week :)"  
[X Link](https://x.com/PhantomStays/status/2019103052897173698)  2026-02-04T17:37Z 23.5K followers, [---] engagements


"@bcnorange I'm def not a typical american so thats not it"  
[X Link](https://x.com/PhantomStays/status/2019103517018059095)  2026-02-04T17:39Z 23.5K followers, [---] engagements


"@ulubionynumer13 @hispanicnomad yeah man thats where i spend most of my time at the moment. Home is in Marbella"  
[X Link](https://x.com/PhantomStays/status/2019103965397307713)  2026-02-04T17:41Z 23.5K followers, [---] engagements


"@florianDTC Fair. I have been living [---] hours south east of Zurich the past week in a small village. ski town. so could be different because of that"  
[X Link](https://x.com/PhantomStays/status/2019104255819542911)  2026-02-04T17:42Z 23.5K followers, [---] engagements


"@GuillaumeK hahah granted i dont think the entire population is like this but your imagery is pretty spot on to my experience so far i must say"  
[X Link](https://x.com/PhantomStays/status/2019114345964372170)  2026-02-04T18:22Z 23.5K followers, [---] engagements


"@longevityninja Not sure thats true. I loved Andorra"  
[X Link](https://x.com/PhantomStays/status/2019365688234897609)  2026-02-05T11:01Z 23.5K followers, [--] engagements

Limited data mode. Full metrics available with subscription: lunarcrush.com/pricing