Self-custodyFree base planDeFi-nativeStablecoin spend
- Cashback
- 0%
- Plan cost
- $0
- Custody
- Self Custody
- Network
- Visa/Other network
Card comparison
Compare cards, side by side
Compare fees, rewards, everyday use, money movement and custody from the same reviewed profiles used across the catalog. Missing data stays visible instead of becoming an advantage.
01 · Build the comparison
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02 · Read the shortlist
Start with scores and key trade-offs
Each summary uses the same profile and Overall Score as the catalog. Open a score to see its seven fixed category ratings.
Metal cardNo CEXClear feesTiered rewards
- Cashback
- 1.5%-3%
- Plan cost
- $0
- Custody
- Custodial
- Network
- Visa
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03 · Compare the evidence
Scan every difference, row by row
Best markers compare known numeric values only. A missing or unverified field stays explicit and never wins a row.
Best known Not disclosed
Cards
Payy CardOverall62
KAST CardOverall84
Payy CardOverall62KAST CardOverall84- Special offer
- Payy CardNo active offerKAST Card20% off20% off your first subscription
Scores
6 fields- Overall Score
- Payy Card62KAST Card84
- Cashback score
- Payy Card17KAST Card75
- Travel score
- Payy Card27KAST Card93
- Funds control score
- Payy Card97KAST Card71
- Lowest fees score
- Payy Card57KAST Card82
- Transfers score
- Payy Card68KAST Card100
Strengths & trade-offs
2 fields- Strengths
- Payy CardSelf-custody wallet control, No monthly or transaction feeKAST CardTransfers span crypto, Tag and bank payouts, Physical, virtual and phone-wallet card access
- Trade-offs
- Payy CardFX can reach 3%, Cash and physical access are constrainedKAST CardNon-USD FX can exceed entry cashback, ATM use adds two charges
Costs
7 fields- Plan cost
- Payy Card$0KAST Card$0
- FX fee
- Payy Card1–3%KAST Card0.5–1.75%
- Top-up fee
- Payy Card0%KAST Card0%
- Card spending fee
- Payy Card0%KAST Card0%
- ATM fee
- Payy CardNot availableKAST Card$3 + 2%
- Virtual card
- Payy CardFree; instant after KYCKAST CardFree first two
- Physical card
- Payy CardNot disclosedKAST CardFree; $40 shipping
Plans
2 fields- Available plans
- Payy CardNot disclosedKAST Card3 plans: Standard, Premium, Private
- Top cashback plan
- Payy CardNot disclosedKAST CardPrivate: 3%
Everyday use
8 fields- Network
- Payy CardVisa/Other networkKAST CardVisa
- Card formats
- Payy CardVirtualKAST CardVirtual, Physical
- ATM withdrawals
- Payy CardNot availableKAST CardAvailable
- Mobile wallets
- Payy CardApple Pay, Google PayKAST CardApple Pay, Google Pay
- Apps
- Payy CardiOS, AndroidKAST CardiOS, Android
- Daily spending limit
- Payy CardNot disclosedKAST CardNo cap
- Monthly spending limit
- Payy CardNot disclosedKAST CardNo cap
- ATM limit
- Payy CardNot disclosedKAST CardLimits shown in app
Funding & transfers
5 fields- Networks
- Payy CardPolygon, Payy NetworkKAST CardSolana, Ethereum, Tron, Polygon, BNB Chain, Arbitrum +7
- Crypto deposits
- Payy CardStablecoins: USDCKAST CardStablecoins: USDT, USDC, USDe, PYUSD, RLUSD; Other crypto: BTC, ETH, SOL, XRP, AAVE +22
- Fiat deposits
- Payy CardBank-account depositKAST CardUSD bank transfer, EU bank transfer, BRL PIX deposit, MXN SPEI deposit +2
- Transfers
- Payy CardStablecoin transfers; Payy payment linksKAST CardStablecoin transfers; KAST Tag; Global USD SWIFT payout, USD local payout, EUR SEPA payout, Other local currency payouts
- Payout currencies
- Payy CardNot disclosedKAST CardUSD, EUR, AED, SAR, JPY, INR, PHP, THB +4
Rewards
3 fields- Base cashback
- Payy Card0%KAST Card1.5%
- Max cashback
- Payy Card0%KAST Card3%
- Reward currency
- Payy CardNo cashbackKAST CardUSD cashback
Earn
5 fields- Advertised APY
- Payy CardNot offeredKAST CardUp to 7% APY
- How it works
- Payy CardNot offeredKAST CardOptional earn vault
- Separate deposit
- Payy CardNot offeredKAST CardYes
- Use balance for spending
- Payy CardNot offeredKAST CardNo
- Lock-up
- Payy CardNot offeredKAST CardNo
Trust & availability
6 fields- Custody
- Payy CardSelf-custodyKAST CardCustodial
- Control until payment
- Payy CardYou keep controlKAST CardProvider controls funds
- Card issuer
- Payy CardThird National / RainKAST CardThird National
- Card processing
- Payy CardRainKAST CardTazapay
- Custody / key management
- Payy CardNot disclosedKAST CardBitGo
- Programme operator
- Payy CardNot disclosedKAST CardTroia Corp
Sources
2 fields- Official sources
- Payy Card5KAST Card20
- Last reviewed
- Payy CardAug 5, 2026KAST CardAug 31, 2026
Use the comparison
Choose the trade-offs you can live with
Scores create a useful starting point. The guides explain the money flow, costs and reward conditions behind the rows.