diff --git a/api/v1_create_reward_code.go b/api/v1_create_reward_code.go
index 1c5b509c..60572f99 100644
--- a/api/v1_create_reward_code.go
+++ b/api/v1_create_reward_code.go
@@ -64,6 +64,25 @@ func generateCode() (string, error) {
 	return string(result), nil
 }
 
+// buildOffchainMessage wraps a message in Solana's SIMD-0048 off-chain
+// message envelope. Hardware wallets (notably Ledger) refuse to sign
+// arbitrary bytes, so wallets like Phantom wrap the message in this
+// envelope before sending it to the device — meaning the signature is
+// over the wrapped bytes rather than the raw message.
+func buildOffchainMessage(message string, format byte) []byte {
+	msgBytes := []byte(message)
+	msgLen := uint16(len(msgBytes))
+
+	// Signing domain (16 bytes) + version (1) + format (1) + length (2) + message
+	buf := make([]byte, 0, 20+len(msgBytes))
+	buf = append(buf, []byte("\xffsolana offchain")...)
+	buf = append(buf, 0x00)
+	buf = append(buf, format)
+	buf = append(buf, byte(msgLen), byte(msgLen>>8))
+	buf = append(buf, msgBytes...)
+	return buf
+}
+
 func verifySignature(signatureBase58 string, message string, authorizedPubKey string) (bool, error) {
 	// Decode the signature from base58
 	signatureBytes, err := base58.Decode(signatureBase58)
@@ -77,10 +96,20 @@ func verifySignature(signatureBase58 string, message string, authorizedPubKey st
 		return false, err
 	}
 
-	// Verify the signature
-	messageBytes := []byte(message)
-	valid := ed25519.Verify(expectedPubKey[:], messageBytes, signatureBytes)
-	return valid, nil
+	// Hot wallets sign the raw bytes directly.
+	if ed25519.Verify(expectedPubKey[:], []byte(message), signatureBytes) {
+		return true, nil
+	}
+
+	// Hardware wallets (e.g. Ledger via Phantom) sign the SIMD-0048 wrapped
+	// message instead. Try all three message formats since wallets vary.
+	for _, format := range []byte{0, 1, 2} {
+		if ed25519.Verify(expectedPubKey[:], buildOffchainMessage(message, format), signatureBytes) {
+			return true, nil
+		}
+	}
+
+	return false, nil
 }
 
 func verifySignatureAgainstKeys(signatureBase58 string, message string, authorizedKeys []string) (string, error) {
diff --git a/api/v1_create_reward_code_test.go b/api/v1_create_reward_code_test.go
index a11bb09a..947bf441 100644
--- a/api/v1_create_reward_code_test.go
+++ b/api/v1_create_reward_code_test.go
@@ -307,6 +307,26 @@ func TestVerifySignature(t *testing.T) {
 		assert.Error(t, err, "Should return error for invalid base58")
 	})
 
+	t.Run("Accepts SIMD-0048 off-chain wrapped signature (Ledger path)", func(t *testing.T) {
+		testPubKey, testPrivateKey, err := ed25519.GenerateKey(rand.Reader)
+		assert.NoError(t, err)
+
+		solanaPubKey := solana.PublicKeyFromBytes(testPubKey)
+		testPubKeyBase58 := solanaPubKey.String()
+
+		timestamp := time.Now().UnixMilli()
+		timestampStr := fmt.Sprintf("%d", timestamp)
+
+		for _, format := range []byte{0, 1, 2} {
+			wrapped := buildOffchainMessage(timestampStr, format)
+			signature := base58.Encode(ed25519.Sign(testPrivateKey, wrapped))
+
+			valid, err := verifySignature(signature, timestampStr, testPubKeyBase58)
+			assert.NoError(t, err)
+			assert.True(t, valid, "Should accept off-chain wrapped signature for format %d", format)
+		}
+	})
+
 	t.Run("Returns false for wrong message", func(t *testing.T) {
 		testPubKey, testPrivateKey, err := ed25519.GenerateKey(rand.Reader)
 		assert.NoError(t, err)