Why it stands out
- KAST links stablecoin funding, Visa spending and payout rails in one flow.
- Online, phone-wallet and physical Visa access are all modeled.
- The entry tier has no annual membership fee and 1.5% cashback.
K CardStandard card design
Stablecoin account + Visa card
KAST Card
A Visa stablecoin card that combines funding, card spend, bank payouts and optional Earn. Strongest for users who want one app for spend and rails; the main costs to watch are FX, ATM and paid-tier rewards.
Metal cardClear feesTiered rewardsBTC depositsCrypto-nativeFree base plan
170+ countries marketed; exact support is checked at signup.
View KAST Compare card
20% off your first subscription
- Discount is automatically applied at checkout.
Main trade-offs
- Non-USD FX can cost more than the entry cashback rate itself.
- ATM withdrawals add both a fixed charge and a percentage fee.
- The highest cashback tier needs a much larger annual commitment.
01 · Core economics
Costs that matter
KAST is inexpensive to open, but it is not a fee-free travel card. These numbers drive most of the real-world cost.
ItemStandard tierWhat it means
Annual plan$0Competitive entry price
Top-up0%No stated provider funding surcharge
Foreign exchange0.5–1.75%Can erase 1.5% base cashback
ATM withdrawal$3 + 2%Fixed and percentage fees make routine cash use expensive.
Card spending0%No listed base spend fee
Physical card$0 + $40 shippingShipping or delivery terms may apply
Extra virtual card$2 eachAllowance: Free first two
Limits and secondary feesLimits and other fees
Declined transaction$0.50Listed
Daily card spendNo capListed
Monthly card spendNo capListed
ATM limitLimits shown in appListed
Account depositUnlimitedListed
02 · Plans & rewards
Choose the plan and the rewards together
KAST Card keeps the reward range visible above while the membership cards below preserve each tier's fee, card design, rewards, limits and other tier-specific differences.
Lowest approved purchase reward rate
Conditional — not the automatic rate
USD cashback
Highest approved tier cap
Memberships
Best default
$0/yrStandard
VISA Platinum
- Cashback
- 1.5% in USD on first $2,000/mo
- Virtual cards
- Free; first two virtual cards free, additional cards $2 each; first virtual card may cost $2 in some countries
- Support
- 24/7 support
- Points
- None
- Physical card
- Free + $40 shipping
- VIP access
- —
- Best fit
- Strongest value for most users
High spend
$1,000/yrPremium
VISA Infinite
- Cashback
- 2% in USD on first $10,000/mo
- Virtual cards
- 1 free Premium Card
- Support
- 24/7 support
- Points
- 1%
- Physical card
- Premium metal + Standard card
- VIP access
- —
- Best fit
- Only for users who value metal and higher caps
Concierge tier
$10,000/yrPrivate
VISA Infinite
- Cashback
- 3% in USD on first $50,000/mo
- Virtual cards
- 1 free Plated Gold Card
- Support
- VIP concierge
- Points
- 2%
- Physical card
- Gold plated + two additional cards
- VIP access
- KAST events
- Best fit
- Luxury benefits, not the value tier
03 · Everyday use
The essentials are covered
Card access, mobile wallets and account rails are separated so missing channels are easy to spot.
Card access
- Visa networkAvailable
- Virtual cardAvailable
- Physical cardAvailable
- ATM withdrawalsAvailable
Wallets & apps
- Apple PayAvailable
- Google PayAvailable
- iOS appAvailable
- Android appAvailable
- Web appNot confirmed
Account rails
- Stablecoin depositsAvailable
- USD bank detailsAvailable
- EUR bank detailsAvailable
- Local payoutsAvailable
- Card-funded top-upsCountry-specific
04 · Money in and out
How money enters, settles and leaves KAST
Receive and send rails are separated. Fees, speed, limits and availability stay attached to the route where they apply.
Money inWays to fund or receive · 4 routesCrypto depositsUSDTUSDCUSDePYUSD32 assetsBank depositsACHFedwireSWIFTSEPAUSDEUR
Crypto deposits
1 route
Crypto deposits
Received as supported stablecoin or converted to USD balance according to card account settings · Auto-converted into stablecoin/USD balance on receipt
USDTUSDCUSDePYUSD32 assets
- Fee
- 0%
- Speed
- Not confirmed
- Limits
- Minimum $5; maximum unlimited
- Availability
- Confirmed scope
Route details
Fee components
- 0% · transfer
More assets, currencies or networks
RLUSD, BTC, ETH, SOL, XRP, AAVE, ARB, BNB, COMP, CRO, ENA, FET, GRT, JUP, LEO, LINK, OKB, ONDO, PENGU, POL, QNT, RENDER, SPX, SUSHI, TRUMP, TRX, UNI, XLM, Solana, Ethereum, Tron, Polygon, BNB Chain, Arbitrum, Avalanche C-Chain, Ton, Base, Stellar, Optimism, Sonic, XRPL, Bitcoin
Asset / network map
USDT: Solana, Ethereum, Tron, Polygon, BNB Chain, Arbitrum, Avalanche C-Chain, Ton · USDC: Solana, Ethereum, Polygon, Base, Stellar, Arbitrum, Avalanche C-Chain, Optimism +1 · USDe: Ethereum, Solana · PYUSD: Ethereum, Solana · RLUSD: Ethereum, XRPL · BTC: Bitcoin · ETH: Ethereum · SOL: Solana · XRP: XRPL
Availability
Supported asset and network combinations
Restrictions
Supported receive and outbound networks for this stablecoin. · Receive-only crypto deposit. The asset is converted after it reaches the card app.
Bank deposits
3 routes
USD domestic bank deposit
For US dollar account details and US domestic bank transfers.
USD
- Fee
- Not confirmed
- Speed
- Same day
- Limits
- Not confirmed
- Availability
- Confirmed scope
Route details
Fee components
- Fee not publicly confirmed
Availability
For US dollar account details and US domestic bank transfers.
Fee scope
Shown in app
Limit scope
Not publicly confirmed
USD international SWIFT deposit
For international USD deposits into KAST account details.
USD
- Fee
- Not confirmed
- Speed
- Up to 5 business days
- Limits
- Not confirmed
- Availability
- Region-dependent
Route details
Fee components
- Fee not publicly confirmed
Availability
For international USD deposits into KAST account details.
Fee scope
Shown in app
Limit scope
Not publicly confirmed
EUR account deposit
For EUR account details and SEPA deposits where available.
EUR
- Fee
- Not confirmed
- Speed
- Not confirmed
- Limits
- Not confirmed
- Availability
- SEPA
Route details
Fee components
- Fee not publicly confirmed
Availability
For EUR account details and SEPA deposits where available.
Fee scope
Shown in app
Limit scope
Not publicly confirmed
Balance & conversionAccount balance
Funds sit in a custodial account balance before card spend or payout.
What happens on receipt
Supported stablecoins follow the account credit settings. 27 mapped receive-only non-stable assets are auto-converted into the stablecoin/USD balance on receipt.
Money outWays to send, withdraw or settle · 6 routesExternal crypto sendsUSDTUSDC4 networksInternal transfersKAST TagNo fixed feeInstantBank transfers & payoutsSWIFTLocal bankSEPA12 payout currencies
External crypto sends
1 route
Stablecoin transfers
KAST lists different receive and send networks by stablecoin.
USDTUSDCSolanaEthereumTron+1
- Fee
- $0.2–$6 + 0.1%
- Speed
- Network-dependent
- Limits
- Minimum $5; maximum unlimited
- Availability
- Confirmed scope
Route details
Fee components
- 0.1% · transfer
- $1 · transfer
- $0.2 · transfer
- $6 · transfer
- $5 · transfer
More assets, currencies or networks
Arbitrum
Asset / network map
USDT: Solana, Ethereum, Tron · USDC: Solana, Ethereum, Arbitrum
Availability
External wallets on supported token/network combinations
Restrictions
KAST lists different receive and send networks by stablecoin. Unsupported network deposits may be lost, so the in-app network selector remains the final check.
Internal transfers
1 route
KAST Tag
Internal transfer option; no external wallet address required.
USD balance
- Fee
- No fixed fee
- Speed
- Instant
- Limits
- $10,000 / day
- Availability
- Confirmed scope
Route details
Fee components
- No provider transfer fee
Availability
Other KAST users by tag, phone, email or QR code
Limit scope
$10,000 daily maximum, up to 5 transfers per day
Restrictions
Internal transfer option; no external wallet address required.
Bank transfers & payouts
4 routes
Global USD SWIFT payout
Useful when local payout rails are not available; delivery depends on receiving and intermediary banks.
USD
- Fee
- $30 + 0.5%
- Speed
- 1–5 business days
- Limits
- Minimum $100
- Availability
- 200+ countries
Route details
Fee components
- 0.5% · processing / FX
- $30 · processing / FX
- $30 refund — $30 fee refunded for $5K+ transactions
Availability
200+ countries
Restrictions
Useful when local payout rails are not available; delivery depends on receiving and intermediary banks.
USD local payout
Local USD payout uses domestic US banking rails where available.
USD
- Fee
- $2–$20 + 0.5%
- Speed
- 1–5 business days
- Limits
- Shown in app
- Availability
- Confirmed scope
Route details
Fee components
- 0.5% · processing / FX
- $2 · ACH
- $20 · ACH
Availability
United States
Restrictions
Local USD payout uses domestic US banking rails where available.
EUR SEPA payout
Local EUR payout via SEPA, useful in supported European destinations as an alternative to global USD SWIFT payout.
EUR
- Fee
- 1% + No fixed fee
- Speed
- Varies by rail
- Limits
- Shown in app
- Availability
- Europe, SEPA
Route details
Fee components
- 1% · processing / FX
- No fixed transfer fee
Availability
Europe (SEPA)
Restrictions
Local EUR payout via SEPA, useful in supported European destinations as an alternative to global USD SWIFT payout.
Other local currency payouts
Local payouts use domestic banking rails where available and may be faster than global SWIFT payouts.
AEDSARJPYINR10 currencies
- Fee
- Not confirmed
- Speed
- Same day
- Limits
- Shown in app
- Availability
- 10 payout currencies
Route details
Fee components
- Fee not publicly confirmed
More assets, currencies or networks
PHP, THB, NGN, GBP, MXN, AUD
Availability
United Arab Emirates (AED), Saudi Arabia (SAR), Japan (JPY), India (INR), Philippines (PHP), Thailand (THB), Nigeria (NGN), United Kingdom (GBP), Mexico (MXN), Australia (AUD)
Fee scope
Varies by destination currency; fixed transfer fee and FX/conversion fee shown before confirmation
Restrictions
Local payouts use domestic banking rails where available and may be faster than global SWIFT payouts.
05 · Optional product
Earn is separate from the card
These yield products require a separate deposit. APY is variable, and neither return nor principal is guaranteed.
Optional yield
USD Prime Vault
Up to 3.3% APY
Optional yield
Gauntlet Alpha Vault
Up to 7% APY
Risk noteVariable APY, custody, smart-contract, liquidity, protocol, counterparty and market risks may apply. Treat Earn/vault balances as separate yield exposure; access to funds depends on the provider's current withdrawal, card and collateral rules.
06 · Trust and eligibility
Where KAST is available — and who runs each part
Eligibility, identity checks and provider responsibilities are kept separate.
Identity & KYC
Identity verification is required to access card services.
Availability
The provider reports broad coverage but does not publish a complete country-by-country list.
Who handles what
Only concrete responsibilities and identified organisations are shown.
RoleHandled byResponsibility and scope
Card productKAST
Public-facing product and account experience; legal operators are listed separately when confirmed.
Custody controlKAST + programme partners
Controls settlement until payment.
Custodial accountCard processingTazapay
Provides third-party payment processing or settlement services when used by KAST.
Applies to: KAST Platform services; exact product and regional scope depends on the applicable partner terms.Custody / key managementBitGo
Provides third-party digital-asset custody services when used by KAST.
Applies to: KAST Platform services; exact wallet and regional scope depends on the applicable partner terms.Card issuerThird National
Issues the card and funds card purchases under the captured agreement.
Applies to: KAST non-US programme captured in the March 2025 agreement.Programme operatorTroia Corp
Provides access to and manages the KAST card experience under the non-US agreement.
Applies to: KAST non-US card programme captured in the March 2025 agreement.07 · Methodology
Why the score is 77
The score weighs practical costs, rewards, daily usability, funding and transfers, eligibility, custody, and the company and provider stack. Undisclosed data does not boost the score.
77/100
GoodHigher is better
Key score driversLargest effects after applying the Overall category weights
Strongest lift93
Everyday usability
Visa spending includes virtual card, physical card, Apple Pay, Google Pay and ATM access.
Additional support90
Funding & transfers
4 inbound and 6 outbound routes cover crypto deposits, crypto withdrawals, internal transfers and bank payouts.
Main constraint56
Custody & control
Custodial account; the account provider controls funds before card settlement.
08 · Evidence
Sources
15 sources15 officialChecked Jul 15, 2026
We review every published fact and value on this page against source evidence. Official product, fee, membership and legal sources are used for the terms that affect cost, eligibility, rewards and custody.
Primary sourcesOfficial product, fee, membership and legal pages
KAST – The global money app powered by stablecoinsOfficial source ↗MembershipsOfficial source ↗What Are the Fees and Conditions for KAST Cards and Accounts? – KASTOfficial source ↗Terms and Conditions of Service | KASTOfficial source ↗KAST Cardholder Agreement (US) | KASTOfficial source ↗KAST Cardholder Agreement (Non-US) | KASTOfficial source ↗
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