Standard
$0/year- Cashback
- 2% back (Season 5)
- Card material
- Silver plastic
- Issuance fee
- $0
- Instant virtual card upon approval
Rewards hunterThird National under Visa licensevisa● Live
KAST Card
Custodial Visa debit card with a stablecoin-first architecture and tiered rewards up to 8%.
KAST Card is a Visa prepaid debit card enabling users to spend stablecoins and crypto globally. It offers instant virtual cards, broad merchant acceptance, and a tiered rewards system with up to 8% rewards at the top tier.
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Best for
Stablecoin holders spending USD globally who can justify high tier fees for rewards.
Skip if
You require self-custody, deposit insurance, or spend frequently in non-USD currencies.
Network
visa
Custody
custodial
KYC
full
Max cashback
8%
Min monthly fee
$0
Apple Pay
Yes
Google Pay
Yes
Physical card
Yes
The verdict
What we like
- 0% fees on USD stablecoin deposits and spending
- Instant virtual card with Visa-network acceptance
- Apple Pay and Google Pay integration
Watch outs
- 2% FX fees on all non-USD spending
- Expensive ATM fees: $3 + 2% per withdrawal
- Get up to 8% cashback, but pay a 2% FX fee on non-USD spend.
- Enjoy instant virtual cards with Apple Pay, but accept full custodial counterparty risk.
- Deposit stablecoins with 0% spread, but other crypto deposits incur a 2-5% fee.
Basic information
KAST Card positions itself as a stablecoin-powered global money app that bridges cryptocurrency holdings with everyday spending through Visa payment cards. The platform provides USD-denominated account functionality designed to enable users to spend stablecoins and other cryptocurrencies at over 150 million merchants and ATMs worldwide. The core value proposition centers on borderless dollar access without traditional banking rails, targeting globally mobile users who hold or earn stablecoins and want frictionless spending capability. KAST’s technical infrastructure supports instant virtual card issuance, Apple Pay and Google Pay integration, and a conversion mechanism that allows users to deposit major cryptocurrencies which are automatically converted into supported stablecoins for spending.
Fees
KAST Card fees vary significantly based on usage patterns. The fee structure includes multiple components across different transaction types.
Transaction Fees:
- USD Card Purchases: 0%
- Non-USD Card Purchases: 2% FX fee
- Small Non-USD Transactions (<$25): Additional $0.10 fee
- ATM Withdrawals: $3 flat + 2% of amount
- Non-USD ATM Withdrawals: $3 flat + 2% + 2% FX
- Declined Transactions: $0.50
Card Issuance and Annual Fees:
- Standard Tier: $0 annual fee
- Premium Tier: $1,000/year
- Limited Tier: $5,000 one-time
- Luxe Tier: $10,000/year
- Physical Card Shipping: $40 for Standard tier (included for others)
Deposit and Withdrawal Fees:
- Stablecoin Deposits: 0%
- Non-stablecoin Crypto Deposits: 2-5% auto-conversion fee
- Bank Transfer Deposits: $2 (ACH), $15 (Fedwire), 0.6% + 0.3% FX (EUR)
- Crypto Withdrawals: Vary by network, e.g., $0.20 + 0.1% (Arbitrum), $6 + 0.1% (Ethereum ERC-20)
Other Fees:
- Inactivity Fee: $1 monthly fee on dormant accounts after 12 months.
Spending & ATM limits
- Notes
- Per ATM withdrawal maximum: $250. Maximum 10 cards per user (physical + virtual combined).
- Atm Daily
- $750 (maximum 3 withdrawals/day)
- Daily Spending
- Unlimited (subject to available balance)
- Per Transaction
- Unlimited (subject to available balance and partner controls)
Features
KAST offers four distinct tiers (Standard, Premium, Limited, Luxe) with eight different card designs. All tiers provide instant virtual card issuance after KYC, with physical cards available in materials ranging from premium plastic to 24ct gold-plated metal. Key features include a stablecoin-first USD account, global Visa acceptance at 150M+ merchants, and mobile wallet integration. Higher tiers (Premium and above) include VIP Concierge support with claimed 15-minute response times. The mobile app allows for card controls like freezing, balance management, and transaction history.
Rewards
KAST operates a season-based rewards program paid in KAST Points. The cashback rate is determined by the user's card tier. Rewards may be capped, limited, expired, and exclude categories such as ATM withdrawals and fees. The program is season-specific and subject to change at KAST's discretion. Optional SOL staking can also accrue KAST Points.
| Tier | Rate | Up to |
|---|---|---|
| Standard | 2% | — |
| Premium | 5% | — |
| Limited | 5% | — |
| Luxe | 8% | — |
Availability
Available in 118 countries across Americas, Europe, Africa, Middle East, and Asia-Pacific. Key regions missing: Australia, India (onshore). India available for non-resident users only (NRI/OCI/PIO status).
Top-up & funding
- USDC
- USDT
- PYUSD
- RLUSD
- BTC
- ETH
- ACH
- Fedwire
- SEPA
- PIX
- SWIFT
Security & custody
- Advanced encryption
- Multi-factor authentication (MFA)
- Google Authenticator 2FA
- Biometrics
- Card freeze/unfreeze
- Custom spend limits on virtual cards
- Real-time push notifications for transactions
Risk note. Funds are not insured by government deposit protection schemes. In the event of KAST's failure, bankruptcy, or liquidation, users may not be protected and may not recover funds, as they become unsecured creditors.
Mobile wallets
Apple Pay Supported
Google Pay Supported
Samsung Pay Not supported
Card tiers
Premium
$1,000/year- Cashback
- 5% back (Season 5)
- Card material
- Premium metal (black)
- Requirements
- $1,000/year subscription
- Premium concierge
- Instant virtual card upon approval
Limited
$0 (no annual fee after one-time payment)- Cashback
- 5% back (Season 5)
- Card material
- Premium metal (vertical design)
- Issuance fee
- $5,000 one-time
- Requirements
- $5,000 one-time fee
- VIP Concierge
- Limited to 888 cards
- Instant virtual card upon approval
Luxe
$10,000/year- Cashback
- 8% back (Season 5)
- Card material
- 24k gold-plated metal
- Requirements
- $10,000/year subscription
- Bespoke VIP services
- Instant virtual card upon approval
Bitcoin Silver
$0/year- Cashback
- 2% back (Season 5)
- Card material
- Plastic
- Issuance fee
- $0
- Standard physical card variant
Solana
$0/year- Cashback
- 2% back (Season 5)
- Card material
- Plastic
- Issuance fee
- $0
- Standard physical card variant
- SOL staking rewards
Solana Illuma
$1,000/year- Cashback
- 5% back (Season 5)
- Card material
- LED logo that lights up on touch
- Requirements
- $1,000 tier
- Premium concierge
- LED illuminated card
Loan & credit features
Card functions like a prepaid debit card backed by crypto balance but is technically issued as a credit card on the backend, which improves acceptance for pre-authorizations at merchants worldwide.
Banking services
● Direct Deposit● Sepa Transfers● Swift Transfers● Virtual Accounts
Virtual USD bank account powered by Leads Bank (USA) supporting ACH transfers, Fedwire transfers, direct deposits, and wire transfers. KAST Pay offers payouts to 200+ countries with local currency support including USD via SWIFT, and local currencies (IDR, VND, PHP, THB, TRY, NGN, GBP, MYR, EUR via SEPA, MXN, JPY, INR, AED, MAD, SAR). European payment links: 0.6% processing + 0.3% FX fee (min $100, max $1,000,000). PIX available for Brazilian users.
What users say
App Store
4.0/5.0 (96 ratings)
Google Play
3.1/5.0 (834 ratings)
Trustpilot
3.2/5.0 (3 ratings)
User feedback has been generally positive regarding quick onboarding, ease of use, and responsive support. Mixed reviews on Android with many negative reviews from users in unsupported regions.
Risks & limitations
Risks
- CounterpartyCustodial wallet with no deposit insurance - if provider disappears, funds are inaccessible to users
- MarketRewards paid in points with uncertain future value - token conversion is not guaranteed or scheduled
- RegulatoryCompany operates through multiple entities across Hong Kong, Seychelles, and Canada - complex jurisdictional structure
- MarketRewards program can be modified or terminated at any time
- MarketPost-TGE rewards expected to taper significantly
Limitations
- majorCashback is only paid in points which can be converted to $ at TGE - no guarantee tokens will launch or be valuable
- moderate2% foreign exchange fee on non-USD transactions
- minor$0.10 fee on non-USD transactions under $25
- moderateATM withdrawal fees ($3 + 2% for USD, $3 + 4% for non-USD ATMs)
- majorCustodial wallet with no deposit insurance
- moderateNot available in mainland China, India (onshore), Russia, and sanctioned countries
- moderateRewards rates decrease each Season - not permanently locked when card activated
- moderateKAST may modify Multipliers, implement caps, fees or expiration, alter availability, or end the Rewards Program entirely with simple notice
Roadmap
Recently shipped
- Season 5 rewards rates effective December 1, 2025 - March 31, 2026
- Additional 4% in $MOVE tokens for limited time
Planned
- Savings products where users can earn yield on stablecoin deposits (possibly via Treasury yields or DeFi)
- Expanded support for more cryptocurrencies beyond stablecoins
- Premium concierge services for Premium Card holders (in development)
Best suited for
Digital nomads and expats needing reliable USD spending globally, residents of high-inflation countries seeking stablecoin stability, crypto enthusiasts wanting to use stablecoin holdings for everyday purchases, and remote workers receiving cryptocurrency payments.
Our verdict
KAST Card stands out as a stablecoin-first spending solution that offers genuine utility for users who hold USD-pegged cryptocurrencies and want Visa acceptance without traditional banking relationships. The platform's 0% spread on stablecoin deposits and instant virtual card issuance provide clear advantages for crypto holders seeking spending flexibility. However, the fully custodial model introduces significant counterparty risk that users must carefully weigh against convenience benefits. The fee structure can quickly erode rewards for international users or those who frequently use ATMs, making the value proposition highly dependent on spending patterns.
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