KASTKAST
84
Side-by-side card comparison
KAST vs MPChat
KAST Card has the higher Overall Score by 32 points (84 vs 52). KAST Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where MPChat Card may still be the better personal fit.
Latest check Nov 12, 202650 official sources reviewed
KAST Card
Best fit
- USD spending on Standard: 1.5% cashback, capped at $30/month.
- Using stablecoins for card purchases and local bank payouts.
- Sending money to other KAST users with free KAST Tag transfers.
Before you choose
- Non-USD purchases add 0.5–1.75% FX; those below $25 also cost $0.10.
- ATM withdrawals cost $3 + 2%, plus FX when withdrawing non-USD cash.
- Premium costs $1,000/year; Private costs $10,000/year for higher rewards.
MPChat Card
Best fit
- MPChat Pay users allocating USDT to a separate Visa spending balance.
- Choosing Cloud for online payments or Boundless for physical-card use.
- Occasional card use with a one-time issuance price and no monthly plan fee.
Before you choose
- Each purchase costs 0.8%, plus variable USDT conversion and any issuer FX.
- Cloud costs 10 USDT; Boundless costs 100 USDT and charges 2% for ATMs.
- The Web3 wallet cannot fund purchases directly; allocate funds from MPChat Pay.
Fees & features
Compare the details
CardsKAST CardOverall84MPChat CardOverall52
KAST CardOverall84MPChat CardOverall52Scores
- Overall Score
- KAST Card84MPChat Card52
- Cashback score
- KAST Card75MPChat Card18
- Travel score
- KAST Card93MPChat Card72
- Funds control score
- KAST Card71MPChat Card41
- Lowest fees score
- KAST Card82MPChat Card60
- Transfers score
- KAST Card100MPChat Card58
Costs
- Plan cost
- KAST Card$0MPChat Card$0
- FX fee
- KAST Card0.5–1.75%MPChat Card0% MPChat FX markup; Visa/issuer FX is passed through and varies by country and region. Purchase fees and USDT conversion costs are separate
- Top-up fee
- KAST Card0%MPChat CardUSDT on Tron (TRC20); minimum received 10 USDT; allocate Pay balance to card
- Card spending fee
- KAST Card0%MPChat Card$0.10 + 0.8%
- ATM fee
- KAST Card$3 + 2%MPChat CardBoundless only: 2%, minimum $1; Cloud has no ATM access
- Virtual card
- KAST CardFree first twoMPChat CardCloud: 10 USDT one time
- Physical card
- KAST CardFree; $40 shippingMPChat CardBoundless: 100 USDT one time
Plans & rewards
- Available plans
- KAST Card3 plans: Standard, Premium, PrivateMPChat Card2 plans: Cloud Card, Boundless Card
- Top cashback plan
- KAST CardPrivate: 3%MPChat CardNot disclosed
- Base cashback
- KAST Card1.5%MPChat CardNot disclosed
- Max cashback
- KAST Card3%MPChat CardNot disclosed
- Reward currency
- KAST CardUSD cashbackMPChat CardNot disclosed
Everyday use
- Network
- KAST CardVisaMPChat CardVisa
- Card formats
- KAST CardVirtual, PhysicalMPChat CardVirtual, Physical
- ATM withdrawals
- KAST CardAvailableMPChat CardAvailable
- Mobile wallets
- KAST CardApple Pay, Google PayMPChat CardGoogle Pay
- Apps
- KAST CardiOS, AndroidMPChat CardNot disclosed
- Daily spending limit
- KAST CardNo capMPChat CardUp to $250,000 and conservatively 50 purchases per day; app limits may be lower
- Monthly spending limit
- KAST CardNo capMPChat CardUp to $1,000,000 per month; app limit may be lower
- ATM limit
- KAST Card$500 per withdrawal; up to three withdrawals or $1,500 per 24 hoursMPChat CardBoundless: up to $1,500 per withdrawal and day; $15,000 monthly
Funding & transfers
- Networks
- KAST CardSolana, Ethereum, Tron, Polygon, BNB Chain, Arbitrum +7MPChat CardTron (TRC20)
- Crypto deposits
- KAST CardStablecoins: USDT, USDC, USDe, PYUSD, RLUSD; Other crypto: BTC, ETH, SOL, XRP, AAVE +22MPChat CardStablecoins: USDT
- Fiat deposits
- KAST CardUSD bank transfer, EU bank transfer, BRL PIX deposit, MXN SPEI deposit +2MPChat CardNot disclosed
- Transfers
- KAST CardStablecoin transfers; KAST Tag; Global USD SWIFT payout, USD local payout, EUR SEPA payout, Other local currency payoutsMPChat CardStablecoin transfers
- Payout currencies
- KAST CardUSD, EUR, AED, SAR, JPY, INR, PHP, THB +4MPChat CardNot disclosed
Earn
- Advertised APY
- KAST CardUp to 7% APYMPChat CardNot offered
- How it works
- KAST CardOptional earn vaultMPChat CardNot offered
- Separate deposit
- KAST CardYesMPChat CardNot offered
- Use balance for spending
- KAST CardNoMPChat CardNot offered
- Lock-up
- KAST CardNoMPChat CardNot offered
Trust & availability
- Custody
- KAST CardCustodialMPChat CardCustodial
- Control until payment
- KAST CardProvider controls fundsMPChat CardProvider controls funds
- Card issuer
- KAST CardThird NationalMPChat CardNot disclosed
- Card processing
- KAST CardTazapayMPChat CardNot disclosed
- Custody / key management
- KAST CardBitGoMPChat CardNot disclosed
- Programme operator
- KAST CardTroia CorpMPChat CardNot disclosed
Sign-up Offers
KAST Card
Partner offer20% off your first subscription
Discount is automatically applied at checkout.
Offer details & conditions
MPChat Card
Partner offer5 USDT after first virtual card approval
Complete application and card approval; the reward is credited to MPChat Pay after approval.
MPChat's friend-benefits page states 5 USDT after first virtual-card approval; one application guide uses 5 USD wording.
Offer details & conditions
Choosing between these cards
When to choose KAST or MPChat
Using an exchange account
KAST does not require a centralised-exchange account; MPChat does. Consider MPChat if you already want to use that exchange, or KAST if you want to avoid that account requirement.
Using the crypto you already hold
KAST's reviewed deposit assets include AAVE, ARB, BNB, BTC and other assets; MPChat's include USDT. If you already hold one of these assets, compare its deposit network and conversion route before moving funds.
Common questions
KAST vs MPChat FAQ
Is KAST or MPChat better overall?
KAST Card has the higher Overall Score (84 vs 52). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, KAST or MPChat?
MPChat Card has the lower published FX fee (0% MPChat FX markup; Visa/issuer FX is passed through and varies by country and region. Purchase fees and USDT conversion costs are separate vs 0.5–1.75%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, KAST or MPChat?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do KAST and MPChat differ on custody?
KAST Card and MPChat Card use the same custodial balance setup.
How current is this KAST vs MPChat comparison?
The latest information check for these two cards was November 12, 2026, using 50 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.