KAST
KAST is a stablecoin account with a Visa card that pays cashback in US dollars: 1.5% on the first $2,000 a month on the free plan, up to 3% on the $10,000-a-year Private tier. Its spend has grown four months in a row, and it works in about 166 countries.
- Visa
- Apple Pay
- Google Pay
- KYC required
- Virtual card
- Physical card
- Metal card
- Custodial
Good
- Cashback paid in US dollars, not a volatile token
- Free Standard plan with two cards included
- Stablecoin top-ups at 0%, 1:1
- Wide coverage: about 166 countries, Apple Pay and Google Pay
Watch out
- Cashback is time-locked 14 days and can only be spent on the next card purchase
- Custodial account
- FX fees up to about 2% outside USD
- Low ATM limits: $250 per withdrawal, $750 a day
- Not available in Canada or India
Key facts
- Card price
- Freevirtual
- Cashback
- 1.5%on the first $2,000 a month
- Annual fee
- Free
- Top-up fee
- Free
- FX fee
- Up to 2%
Rewards
| Cashback | 1.5% on the first $2,000 a month, in USD |
|---|---|
| Paid in | USD |
| Monthly bands (entry plan) | 1.5% up to $2,000; 0% above $2,000 |
| Payout | Time-locked for 14 days, then redeemed by hand; it can only be applied to your next card purchase and may be clawed back after a refund. |
| Referral | Referral bonuses share the new-user ladder above. |
| Points | KAST Points on Premium and Private; a conversion to an equity-linked instrument is planned for Q4 2026, so they are valued at zero here. |
Conditions
- Premium: 2% on the first $10,000 a month; Private: 3% on the first $50,000
- Premium adds 1% in KAST Points, Private 2% with no cap
Perks
- USD Reserve yield: 8% (Standard), 10% up to $50k (Premium), 12% up to $200k (Private) until 30 June 2027
Promotions
- New users: up to $250 in bonuses for $6,600 of spend ($20 at $100, $30 at $500, $50 at $1,000, $150 at $5,000) (no end date given)
- USD Reserve rates of 8 to 12% by plan (until 30 June 2027)
Fees, limits and card details
| Virtual card | FreeFirst 2 cards free, then $2 per virtual card |
|---|---|
| Physical card | FreeStandard plan includes 2 cards, virtual or physical |
| Delivery | $40Standard physical card |
| Monthly fee | Free |
| Annual fee | FreeStandard plan |
| Per purchase | FreeUSD purchases; non-USD purchases under $25 cost $0.10 |
| Foreign currency (FX) | Up to 2%Other reviews give 0.5 to 1.75% by country pair |
| Top-up | FreeStablecoins credited 1:1; other coins auto-convert at 2 to 5% |
| ATM withdrawal | $3 + 2%Plus FX outside USD |
| Withdrawal | From $1 + 0.1% (Solana) to $6 + 0.1% (Ethereum)Arbitrum $0.20 + 0.1%, Tron $5 + 0.1%, minimum $5 |
| Declined transaction | $0.50 |
| Returned payment | $35 |
| Extra virtual card | $2 |
| Bank withdrawal (USD) | ACH $2, Fedwire $15 |
| Bank withdrawal (EUR, GBP, AUD) | EUR 1% FX; GBP $3 + 1%; AUD $4 + 1% |
| Transfers between KAST users | Free, up to $10,000 and 5 a day |
| ATM, per transaction | $250 |
|---|---|
| ATM, per day | $750 and 3 withdrawals per 24 hours |
| Provider | KAST |
|---|---|
| Network | VisaVisa Platinum on Standard, Visa Infinite on Premium and Private. |
| Card type | CreditListed as a credit card by DefiLlama. |
| Custody | Custodial |
| Formats | Virtual card, Physical card, Metal cardStandard cards are plastic; Premium cards are metal; Private cards are gold plated. |
| Currencies | USD |
| Issuer | Third NationalPaymentScan names Rain as the issuing platform. |
| IBAN account | Yes |
| Cards per account | 10 cards per account. |
| Wallets | Apple Pay: Yes; Google Pay: YesTelegram users report Apple Pay tokenisation problems on some cards issued through Nimbus; Google Pay works. |
| Required | KYC required |
|---|---|
| Verification provider | Sumsub |
| What you provide | Government ID; Selfie |
| Time | About 2 minutes |
Official links
Availability
Not available
Canada, India.
Every other country is likely available: the provider publishes only exclusions.
Provider's claim: About 166 countries (SpendNode); 170+ on the official site.
KAST does not publish its full list; a third-party list includes Russia, China, Türkiye, Vietnam, Kazakhstan and Georgia. Check with the issuer.
Supported cryptocurrencies
- USDC
- USDT
- USDe
- BTC
- ETH
- SOL
- PENGU
Supported networks
- Arbitrum
- Avalanche
- Base
- Bitcoin
- BNB Chain
- Ethereum
- Optimism
- Polygon
- Solana
- Tron
Bank and card top-ups
ACH, SEPA, Wire.
- More than 25 coins in total; stablecoins are credited 1:1.
- Only some card ranges support card-to-card transfers (Telegram report).
Plans
| Standardrated planFree | Premium$1,000 a year | Private$10,000 a year | |
|---|---|---|---|
| Card | Visa Platinum, plastic | Visa Infinite, metal | Visa Infinite, 24K gold plated |
| Cashback (USD) | 1.5% on the first $2,000 a month | 2% on the first $10,000 | 3% on the first $50,000 |
| KAST Points | None | +1% | +2%, no cap |
| USD Reserve yield (to 30 June 2027) | 8% | 10% up to $50k | 12% up to $200k |
| Cards included | 2 (virtual or physical) | 1 Premium plus the Standard set | 1 gold plated plus 2 of any kind |
Standardrated plan
Free
- Card
- Visa Platinum, plastic
- Cashback (USD)
- 1.5% on the first $2,000 a month
- KAST Points
- None
- USD Reserve yield (to 30 June 2027)
- 8%
- Cards included
- 2 (virtual or physical)
Premium
$1,000 a year
- Card
- Visa Infinite, metal
- Cashback (USD)
- 2% on the first $10,000
- KAST Points
- +1%
- USD Reserve yield (to 30 June 2027)
- 10% up to $50k
- Cards included
- 1 Premium plus the Standard set
Private
$10,000 a year
- Card
- Visa Infinite, 24K gold plated
- Cashback (USD)
- 3% on the first $50,000
- KAST Points
- +2%, no cap
- USD Reserve yield (to 30 June 2027)
- 12% up to $200k
- Cards included
- 1 gold plated plus 2 of any kind
Community review
App Store
4.0 out of 5 from 272 ratings
App: KAST: Global USD Account
Our rating
7.1 out of 10
| Criterion | Weight | Score | Points |
|---|---|---|---|
| Fees | 28% | 7.7 | 2.16 |
| Cheapest card$0 | 20% | 10.0 | |
| Yearly cost$0 | 20% | 10.0 | |
| Top-up cost0% | 20% | 10.0 | |
| Cost per purchase0% | 15% | 10.0 | |
| FX cost2% | 15% | 1.0 | |
| ATM cost3.5% | 10% | 0.0 | |
| Rewards | 18% | 8.2 | 1.48 |
| Cashback at $1,000 a month1.5% | 75% | 8.3 | |
| Reward currencyUSD | 15% | 10.0 | |
| Perks1 | 10% | 5.0 | |
| Availability | 14% | 10.0 | 1.40 |
| Countries247 countries | 70% | 10.0 | |
| Apple Pay and Google Pay10 of 10 | 30% | 10.0 | |
| Limits | 7% | 2.4 | 0.17 |
| Spending capacity a dayUnknown | 70% | 2.0 | |
| Cash a day$750 | 30% | 3.3 | |
| Custody | 7% | 3.0 | 0.21 |
| Track record | 7% | 6.0 | 0.42 |
| AgeUnknown | 50% | 2.0 | |
| IssuerNamed | 30% | 10.0 | |
| IncidentsNone | 20% | 10.0 | |
| Data completeness | 6% | 9.0 | 0.54 |
| KYC and privacy | 5% | 4.0 | 0.20 |
| Networks and coins | 5% | 8.5 | 0.43 |
| Networks10 | 50% | 8.4 | |
| Coins7 | 50% | 8.5 | |
| App ratings | 3% | 2.5 | 0.07 |
| Total | 100% | 7.07 = 7.1 |
Each criterion is scored 0 to 10, rounded to 0.1, then multiplied by its weight. Unknown values score 2.
How to get the card
- Sign up in the KAST app and verify your identity (about 2 minutes).
- Deposit USDC, USDT or USDe; other coins are converted.
- Issue a virtual card instantly or order a physical one ($40 delivery on Standard).
Questions
How much does the KAST card cost?
Getting a KAST card is free. Annual fee: Free. Top-up fee: Free.
Does KAST pay cashback?
1.5% on the first $2,000 a month, in USD. At $1,000 of spend a month on the entry plan that works out to about 1.5%. Time-locked for 14 days, then redeemed by hand; it can only be applied to your next card purchase and may be clawed back after a refund.
Does KAST require KYC?
Yes, KAST requires identity verification before you get the card through Sumsub (about 2 minutes).
Is KAST available in the US?
The US is not on KAST's exclusion list, but the provider does not confirm it.
Can I add KAST to Apple Pay or Google Pay?
Yes, KAST works with Apple Pay and Google Pay. Telegram users report Apple Pay tokenisation problems on some cards issued through Nimbus; Google Pay works.
Which coins and networks can I use to top up KAST?
Coins: USDC, USDT, USDe, BTC, ETH, SOL, PENGU. Networks: Arbitrum, Avalanche, Base, Bitcoin, BNB Chain, Ethereum, Optimism, Polygon, Solana, Tron.
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Before you order
The Order card button is an affiliate link: we may earn a commission if you sign up. It does not change the rating or the order of the catalog.
This page is not financial advice. Terms change often; check fees, limits and availability with the provider before you order.
How we rate cards: methodology. How we earn money: affiliate disclosure.
Sources
- Apple App Store listing
- Official website and membership page
- DefiLlama
- SpendNode
- PaymentScan
- Telegram reports
Figures are taken from these sources in this order of priority: the provider's own pages, then DefiLlama, then other reviews, then Telegram reports.