KASTKAST
84
Side-by-side card comparison
KAST vs MPChat: where the score gap comes from
KAST Card has the higher Overall Score by 32 points (84 vs 52). The available use-case scores do not point to a clear winner, so compare the fees, control of funds, card access and availability that matter to you.
Information checked Sep 23, 202650 official sources reviewed
01 · Where the gap opens
KAST Card is the better all-round starting point
KAST Card has the higher Overall Score in this comparison. MPChat Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallKAST84MPChat52Higher score
CashbackKAST75MPChat18Compare the details below
TravelKAST93MPChat72Compare the details below
Funds controlKAST71MPChat41Compare the details below
Lowest feesKAST82MPChat60Compare the details below
TransfersKAST100MPChat58Compare the details below
Choose KAST Card if its day-to-day setup suits you
KAST Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. Read the side-by-side details before deciding.
- Transfers span crypto, Tag and bank payouts
- Physical, virtual and phone-wallet card access
- Free tier starts with cashback
Choose MPChat Card if its day-to-day setup suits you
MPChat Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. Read the side-by-side details before deciding.
- Virtual and physical options
- No monthly card fee
- USDT funding on Tron
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- Overall Score
- KAST84MPChat52
KAST Card has the higher Overall Score by 32 points.
- Entry cost & FX
- KAST$0 plan · 0.5–1.75% FXMPChat$0 plan · 0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate FX
MPChat Card has the lower published FX fee (0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate vs 0.5–1.75%).
- Purchase rewards
- KAST1.5% base · up to 3%MPChatNot disclosed
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
- Funds control
- KASTCustodial balanceMPChatCustodial balance
KAST Card and MPChat Card use the same custodial balance setup.
- Everyday access
- KASTVirtual + Physical · Apple Pay, Google PayMPChatVirtual + Physical · Google Pay
KAST Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- KAST5 stablecoins · Stablecoin transfers; KAST Tag; Global USD SWIFT payout, USD local payout, EUR SEPA payout, Other local currency payoutsMPChat1 stablecoin · Stablecoin transfers
KAST Card lists more stablecoins and ways to send money out (12 vs 2).
02 · Read the shortlist
Why one card starts ahead
These quick facts cover the costs, rewards and everyday features behind the early lead.
- Cashback
- 1.5%-3%
- Plan cost
- $0
- FX fee
- 0.5–1.75%
- ATM fee
- $3 + 2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 32 crypto · 6 fiat
- Payout methods
- 2 crypto · 13 fiat
- Cashback
- Not disclosed
- Plan cost
- $0
- FX fee
- 0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate
- ATM fee
- Boundless only: 2%, minimum $1; Cloud has no ATM access
- Card formats
- Virtual, Physical
- Wallet payments
- Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 fiat
Current signup offers
Signup value available today
A welcome offer can improve the value of your first months with a card. Check the eligibility rules, qualifying actions and deadline first. Signup offers are excluded from card scores.
KAST Card
20% off
20% off your first subscription
- Discount is automatically applied at checkout.
Offer terms can change. Check the current KAST referral programme before signing up.
MPChat Card
5 USDT after first virtual card approval
First virtual card referral reward
- Download MPChat through the referral link.
- Enter coupon ID 76912265 during activation of your first virtual card.
- Complete application and card approval; the reward is credited to MPChat Pay after approval.
Coupon ID76912265
MPChat's friend-benefits page states 5 USDT after first virtual-card approval; one application guide uses 5 USD wording.
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
03 · Compare the details
Test the lead, row by row
A better number is marked only when both providers publish values that can be compared fairly.
Best known Not disclosed
CardsKAST CardOverall84MPChat CardOverall52
KAST CardOverall84MPChat CardOverall52Scores
6 fields- 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
Strengths & trade-offs
2 fields- Strengths
- KAST CardTransfers span crypto, Tag and bank payouts, Physical, virtual and phone-wallet card accessMPChat CardVirtual and physical options, No monthly card fee
- Trade-offs
- KAST CardNon-USD FX can exceed entry cashback, ATM use adds two chargesMPChat CardPurchase fee on each spend, Effective conversion cost unclear
Costs
7 fields- Plan cost
- KAST Card$0MPChat Card$0
- FX fee
- KAST Card0.5–1.75%MPChat Card0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee 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$0.15 + 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
2 fields- Available plans
- KAST Card3 plans: Standard, Premium, PrivateMPChat Card2 plans: Cloud Card, Boundless Card
- Top cashback plan
- KAST CardPrivate: 3%MPChat CardNot disclosed
Everyday use
8 fields- 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 CardLimits shown in appMPChat CardBoundless: up to $1,500 per withdrawal and day; $15,000 monthly
Funding & transfers
5 fields- 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
Rewards
3 fields- Base cashback
- KAST Card1.5%MPChat CardNot disclosed
- Max cashback
- KAST Card3%MPChat CardNot disclosed
- Reward currency
- KAST CardUSD cashbackMPChat CardNot disclosed
Earn
5 fields- 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
6 fields- 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
Sources
2 fields- Official sources
- KAST Card20MPChat Card30
- Last reviewed
- KAST CardSep 9, 2026MPChat CardSep 23, 2026
04 · The verdict
KAST Card is the stronger all-round choice
KAST Card finishes ahead with an Overall Score of 84 versus 52 for MPChat Card. MPChat Card has the lower published FX fee (0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate vs 0.5–1.75%). The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
MPChat Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. KAST Card and MPChat Card use the same custodial balance setup.
KAST Card lists more stablecoins and ways to send money out (12 vs 2). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full KAST Card and MPChat Card reviews first.
Continue with
KAST Card
Continue with
MPChat Card
05 · 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; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee 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 September 23, 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.