KAST Card
VisacustodialKYC: required
3.5 / 5
Net Reward4.3
Availability4.0
Custody & Risk2.0
Features4.0
UX3.2
The KAST Card is a stablecoin-backed Visa credit card account that lets users spend USDC, USDT, and other supported stablecoins as USD globally. Designed for digital nomads and emerging markets, it offers both virtual and physical cards, instant issuance, and no bank account requirement, serving 160+ countries.
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Slug: kast-card
Our Verdict
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.
Pros and cons
Pros
- Zero conversion fee when spending stablecoins (1:1 conversion)
- Generous rewards program with up to 8% back in KAST points
- Instant virtual card issuance with optional physical cards
- High spending limits with no daily cap
- Wide global availability across 160+ countries
- No bank account required with quick setup using government IDs
- Virtual USD bank account support with ACH and Fedwire capabilities
- Seamless integration with Apple Pay and Google Pay
Cons
- 2% foreign exchange fee on non-USD transactions
- $0.10 fee on non-USD transactions under $25
- Relatively high ATM withdrawal fees
- Custodial wallet with no deposit insurance
- Annual subscription fees for premium card tiers
- Cashback is only paid in points which can be converted to $ at TGE
- Rewards paid in points; future token conversion is not guaranteed or scheduled
Supported chains
ArbitrumBNB ChainBaseBitcoinEthereumPolygonSolanaTRON
Supported cryptos
BNBBTCETHSOLUSDCUSDT
Fees
Annual: See card_tiers
Issuance: See card_tiers
Atm Non Uk: $3 + 2% + 2% FX fee
Crypto To Fiat: Zero for stablecoins
Crypto Withdrawal: Solana: $1 + 0.1%; Arbitrum: $0.20 + 0.1%; Ethereum: $6 + 0.1%; Tron: $5 + 0.1% (min $5)
Purchase Transaction: $0 (domestic USD)
Stablecoin Withdrawal: Same as crypto withdrawal by network
Key Features
- Stablecoin-powered Visa card for spending USDC, USDT, PYUSD, RLUSD at merchants worldwide
- Zero crypto-to-fiat conversion fees with 1:1 stablecoin to USD conversion
- Tiered rewards program offering 2-8% back on purchases plus additional 4% in $MOVE tokens
- Available in 160+ countries with instant virtual card issuance
- Multiple card tiers from free standard plastic to premium metal options
- No bank account required with quick setup using government IDs
- High spending limits (unlimited per transaction) with no daily cap
- Virtual USD bank account support with ACH and Fedwire capabilities
- Seamless integration with Apple Pay and Google Pay
- Visa Platinum level acceptance at over 100 million merchants worldwide
Limitations
- Cashback is only paid in points which can be converted to $ at TGE - no guarantee tokens will launch or be valuable
- 2% foreign exchange fee on non-USD transactions
- $0.10 fee on non-USD transactions under $25
- ATM withdrawal fees ($3 + 2% for USD, $3 + 4% for non-USD ATMs)
- Custodial wallet with no deposit insurance
- Not available in mainland China, India (onshore), Russia, and sanctioned countries
- Rewards rates decrease each Season - not permanently locked when card activated
- KAST may modify Multipliers, implement caps, fees or expiration, alter availability, or end the Rewards Program entirely with simple notice
Risks
- CounterpartyCustodial wallet with no deposit insurance - if provider disappears, funds are inaccessible to usersKAST explicitly warns that 'Your account is not covered by insurance against losses'
- MarketRewards paid in points with uncertain future value - token conversion is not guaranteed or scheduledTGE planned for Q2 2026, though there is no guarantee that tokens will launch or that points will be convertible or valuable
- RegulatoryCompany operates through multiple entities across Hong Kong, Seychelles, and Canada - complex jurisdictional structureKAST is operated by entities in Hong Kong, Seychelles, and Canada
- MarketRewards program can be modified or terminated at any timeAccording to Rewards T&Cs §5-6, KAST may 'modify Multipliers, implement caps, fees or expiration... alter availability... or end the Rewards Program entirely' with simple notice
- MarketPost-TGE rewards expected to taper significantlyAfter the Token Generation Event (targeted Q2-2026), rewards are expected to taper to 2-5% of FDV
Rewards & Cashback
Notes: Additional 4% in $MOVE tokens for limited time. Points convertible to KAST tokens at Token Generation Event (TGE) planned for Q2 2026, though there is no guarantee that tokens will launch or that points will be convertible or valuable. Rewards rates decrease each Season.
Cashback Cap: No explicit monthly caps
Reward Token: KAST Points (convertible to KAST tokens at TGE)
Cashback Rate: 2% (Standard), 5% (Premium/Limited), 8% (Luxe) - Season 5 rates
Excluded Transactions:ATM cash withdrawals
Eligibility Requirements: ATM withdrawals don't generate KAST Points
Spending 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)
Top-Up Methods
USDCUSDTPYUSDRLUSDBTCETHACHFedwireSEPAPIXSWIFT
Min Amount: $1,000 minimum for SWIFT USD transfers
Banking & Financial Services
✓
SEPA Transfers
✓
SWIFT
✓
Virtual Accounts
✓
Direct Deposit
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.
Credit & Loan Products
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.
Security Features
Features: 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
Insurance: No deposit insurance - account is not covered by insurance against losses
Mobile Wallet Support
Apple PayGoogle PayiOSAndroid
Best 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.
Custody Model
custodialKAST uses a custodial wallet model managed by their partner. Platform (via partner) holds all private keys for user funds. Users interact via app but do not control private keys. All funds are fully reserved with 1:1 backing.
Risk: If provider disappears, funds are inaccessible to users. There is no deposit insurance - KAST explicitly warns that 'Your account is not covered by insurance against losses.'
Card Issuer & Compliance
Issuer Name: Third National under Visa license
Kyc Required: true
Issuer License: Partners with licensed financial institutions; adheres to KYC/AML procedures; follows international sanction regimes
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).
Card Tiers
Standard
PhysicalSilver plastic
Fees
Issuance: $0
VisaApple PayGoogle Pay
Cashback: 2% back (Season 5)
Instant virtual card upon approval
Premium
PhysicalPremium metal (black)
$1,000/year subscription
VisaApple PayGoogle Pay
Cashback: 5% back (Season 5)
Premium conciergeInstant virtual card upon approval
Limited
PhysicalPremium metal (vertical design)
$5,000 one-time fee
Fees
Issuance: $5,000 one-time
VisaApple PayGoogle Pay
Cashback: 5% back (Season 5)
VIP ConciergeLimited to 888 cardsInstant virtual card upon approval
Luxe
Physical24k gold-plated metal
$10,000/year subscription
VisaApple PayGoogle Pay
Cashback: 8% back (Season 5)
Bespoke VIP servicesInstant virtual card upon approval
Bitcoin Silver
PhysicalPlastic
Fees
Issuance: $0
VisaApple PayGoogle Pay
Cashback: 2% back (Season 5)
Standard physical card variant
Solana
PhysicalPlastic
Fees
Issuance: $0
VisaApple PayGoogle Pay
Cashback: 2% back (Season 5)
Standard physical card variantSOL staking rewards
Solana Illuma
PhysicalLED logo that lights up on touch
$1,000 tier
VisaApple PayGoogle Pay
Cashback: 5% back (Season 5)
Premium conciergeLED illuminated card
Token Economics
KAST
Staking APY
Standard Solana Card~3.5%-7% extra in KAST points on SOL stake (plus ~7% base SOL staking yield) APY
Solana Illuma Card~7%-14% APY boost APY
Solana Elite Card~10.5%-21% APY boost APY
Referral: Referrers: 500 points when referred friend spends $200, 10,000 points if friend upgrades to premium. New users: 500 points on sign-up, 250 points on 5th transaction, 500 on 20th transaction
User Ratings
3.2/5.0 (3 ratings)
Trustpilot
3.1/5.0 (834 ratings)
Google Play
4.0/5.0 (96 ratings)
App Store
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.
Roadmap & Updates
Expansion: Token Generation Event (TGE) planned for Q2 2026
Planned Features:
- 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)
Recent Updates:
- Season 5 rewards rates effective December 1, 2025 - March 31, 2026
- Additional 4% in $MOVE tokens for limited time
Conclusion
The KAST Card represents a significant advancement in bridging cryptocurrency and traditional payment systems, offering a practical solution for spending stablecoins in everyday life. Its standout features include zero crypto-to-fiat conversion fees, generous rewards, and truly global availability across 160+ countries. What sets KAST apart from competitors is its focus on stablecoin utility rather than volatile cryptocurrencies, making it particularly valuable for globally mobile individuals and those in emerging markets seeking dollar stability. However, the 2% foreign exchange fee on non-USD transactions and fees on small purchases make it less ideal for frequent small transactions in local currencies. Additionally, as a custodial service without deposit insurance, users must trust KAST's security measures and the solvency of the stablecoin issuers. Users should also be aware that the rewards program operates on a seasonal model with progressively decreasing rates.
Card launched: Mid-2024
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