KAST Card

KAST Card Visa Debit Review: Fees, Rewards & Availability

Basic Information

KAST Card positions itself as a stablecoin-powered global money app that bridges cryptocurrency holdings with everyday spending through Visa payment cards. The platform provides USD-denominated account functionality designed to enable users to spend stablecoins and other cryptocurrencies at over 150 million merchants and ATMs worldwide.

KAST explicitly states it is not a bank but rather a financial technology company where virtual accounts, payment cards, custody, and on/off ramp services are provided by licensed partners. The platform serves hundreds of thousands of users across 160+ countries, though detailed country-by-country availability is not publicly enumerated.

The core value proposition centers on borderless dollar access without traditional banking rails, targeting globally mobile users who hold or earn stablecoins and want frictionless spending capability. KAST's technical infrastructure supports instant virtual card issuance, Apple Pay and Google Pay integration, and a conversion mechanism that allows users to deposit major cryptocurrencies which are automatically converted into supported stablecoins for spending.

Rewards and Benefits

Cashback Structure

KAST operates a season-based rewards program currently in Season 5 (December 1, 2025 to March 31, 2026). Rewards are paid in KAST Points at the following rates:

Important limitations: KAST's Rewards Program Terms explicitly state that rewards may be capped, limited, expired, and exclude categories such as ATM withdrawals, fees, conversions, and disputed/chargeback transactions. Rewards are season-specific and subject to change at KAST's discretion.

Staking Requirements

KAST does not require staking for basic card usage but offers SOL staking point accrual as an optional rewards mechanic:

• Standard: 0.25 KAST Points per 1 SOL every ~2 days
• Premium: 0.5 KAST Points per 1 SOL every ~2 days
• Limited: 0.5 KAST Points per 1 SOL every ~2 days
• Luxe: 1 KAST Point per 1 SOL every ~2 days

Additional earning opportunities include milestone bonuses for first $100 spend, fifth transaction, Premium card purchase, and affiliate-linked bonuses.

Fees and Limits

KAST Card fees vary significantly based on usage patterns and can quickly erode rewards if not carefully managed. The fee structure includes multiple components across different transaction types.

Transaction Fees

Card Issuance and Annual Fees

*Note: $2 in some countries for first virtual card

Deposit and Withdrawal Fees

Crypto Deposits:

• Stablecoins: 0% (converted to USD at 1:1 with 0% spread)
• Non-stablecoin crypto: 2-5% auto-conversion fee (varies per token)

Bank Transfer Deposits:

• ACH: $2 deposit fee
• Fedwire: $15 deposit fee
• EUR Payment Link: 0.6% processing + 0.3% FX

Withdrawal Fees:

• Solana (USDT/USDC): $1 + 0.1%
• Arbitrum (USDC): $0.20 + 0.1%
• Ethereum ERC-20: $6 + 0.1%
• USD Bank Payouts: 0.5% (waived till Feb 2026) + $2 ACH or $20 Fedwire

Spending and Withdrawal Limits

Card Spending: Unlimited (up to available balance); very large transactions may trigger compliance checks

ATM Withdrawals:

• $250 maximum per withdrawal
• Up to 3 withdrawals per rolling 24 hours
• $750 total per rolling 24 hours

Inactivity Fees: $1 monthly fee on dormant accounts (after 12 months inactivity)

Card Tiers and Options

KAST offers four distinct tiers with eight different card designs, each mapped to specific tiers but sharing identical rewards, fees, and limits within that tier.

All tiers share identical spending limits (unlimited up to balance) and ATM withdrawal restrictions ($250 per withdrawal, 3 per day, $750 total per 24 hours). The primary differences lie in rewards rates, card materials, concierge access levels, and annual fees.

Top-Up Methods

• Pre-load required: must deposit funds before spending
• Supports stablecoins (USDT, USDC, USDe, PYUSD, RLUSD), BTC, ETH, SOL, XRP, BNB, and 20+ cryptos (auto-converted), plus USD/EUR fiat deposits
• Top-up via mobile app: deposit crypto or fiat, or connect supported wallets/networks

Self-Custody Custodial

• Platform holds all private keys; users do not control them
• When crypto is deposited, ownership transfers to KAST (treated as a sale)
• If provider disappears, users lose access to funds
• Assets are managed at KAST's corporate treasury level, not in segregated user wallets

Supported Currencies and Conversion

Supported Cryptocurrencies

Stablecoins (supported for holding/sending/receiving):
USDT, USDC, USDe, PYUSD, RLUSD

Other cryptocurrencies (supported for deposit with auto-conversion):
BTC, ETH, SOL, XRP, BNB, AAVE, ARB, LINK, COMP, CRO, FET, JUP, OKB, ONDO, PENGU, TRUMP, POL, ENA, RENDER, SPX, XLM, SUSHI, GRT, QNT, TRX, UNI, LEO

Supported Blockchain Networks

Solana, Ethereum, Arbitrum, Tron, Polygon, Binance Smart Chain, Avalanche C-Chain, TON, Base, Stellar, Optimism, Sonic, Bitcoin, XRPL

Supported Fiat Currencies

Primary currency: USD (all balances displayed in USD)

Fiat payout support: USD, AED, JPY, MAD, SAR, INR, IDR, VND, PHP, THB, TRY, NGN, GBP, MYR, CAD, MXN, EUR, BRL

Currency Conversion

• Stablecoin → USD: 1:1 with 0% spread
• Non-stablecoin crypto → stablecoin: Auto-conversion with 2-5% fee
• USD → non-USD fiat (card spend): 2% FX fee
• EUR → USD (Payment Link deposits): 0.6% processing + 0.3% FX

Geographic Availability

KAST Card is available in 160+ countries according to the platform, though the company does not publish a comprehensive list of all supported or restricted countries for platform access. The authoritative method to check availability is during in-app sign-up through the country dropdown selection.

Physical Card Shipping Destinations

Europe:
Aland Islands (AX), Austria (AT), Belgium (BE), Cyprus (CY), Czech Republic (CZ), Denmark (DK), Estonia (EE), Faroe Islands (FO), Finland (FI), France (FR), Germany (DE), Gibraltar (GI), Greece (GR), Greenland (GL), Guernsey (GG), Hungary (HU), Iceland (IS), Ireland (IE), Isle of Man (IM), Italy (IT), Jersey (JE), Kosovo (XK), Latvia (LV), Liechtenstein (LI), Lithuania (LT), Luxembourg (LU), Malta (MT), Monaco (MC), Netherlands (NL), Norway (NO), Poland (PL), Portugal (PT), Romania (RO), San Marino (SM), Slovakia (SK), Spain (ES), Svalbard and Jan Mayen (SJ), Sweden (SE), Switzerland (CH), United Kingdom (GB), Vatican City (VA)

Americas:
American Samoa (AS), Anguilla (AI), Antigua and Barbuda (AG), Argentina (AR), Aruba (AW), Bahamas (BS), Barbados (BB), Belize (BZ), Bermuda (BM), Bolivia (BO), Brazil (BR), British Virgin Islands (VG), Caribbean Netherlands (BQ), Cayman Islands (KY), Chile (CL), Colombia (CO), Costa Rica (CR), Curacao (CW), Dominica (DM), Dominican Republic (DO), Ecuador (EC), El Salvador (SV), Falkland Islands (FK), French Guiana (GF), Grenada (GD), Guadeloupe (GP), Guam (GU), Guatemala (GT), Guyana (GY), Honduras (HN), Martinique (MQ), Mexico (MX), Montserrat (MS), Northern Mariana Islands (MP), Panama (PA), Paraguay (PY), Peru (PE), Puerto Rico (PR), Saint Barthelemy (BL), Saint Kitts and Nevis (KN), Saint Lucia (LC), Saint Martin (MF), Saint Pierre and Miquelon (PM), Saint Vincent and the Grenadines (VC), Sint Maarten (SX), Suriname (SR), Trinidad and Tobago (TT), Turks and Caicos Islands (TC), United States (US), United States Minor Outlying Islands (UM), U.S. Virgin Islands (VI), Uruguay (UY)

Asia:
Azerbaijan (AZ), Bangladesh (BD), Bhutan (BT), Brunei (BN), Christmas Island (CX), Cocos Islands (CC), East Timor (TL), Georgia (GE), Hong Kong (HK), Indonesia (ID), Israel (IL), Kazakhstan (KZ), Kyrgyzstan (KG), Laos (LA), Macau (MO), Malaysia (MY), Maldives (MV), Mongolia (MN), Nepal (NP), Palestine (PS), Philippines (PH), Singapore (SG), South Korea (KR), Sri Lanka (LK), Tajikistan (TJ), Thailand (TH), Turkey (TR), Turkmenistan (TM), Uzbekistan (UZ), Vietnam (VN)

Oceania:
Cook Islands (CK), Fiji (FJ), French Polynesia (PF), Kiribati (KI), Marshall Islands (MH), Micronesia (FM), Nauru (NR), New Caledonia (NC), New Zealand (NZ), Niue (NU), Norfolk Island (NF), Papua New Guinea (PG), Pitcairn (PN), Samoa (WS), Solomon Islands (SB), Tokelau (TK), Tonga (TO), Tuvalu (TV), Vanuatu (VU), Wallis and Futuna (WF)

Africa:
Angola (AO), Benin (BJ), Botswana (BW), Cape Verde (CV), Chad (TD), Comoros (KM), Djibouti (DJ), Egypt (EG), Equatorial Guinea (GQ), Eswatini (SZ), Ethiopia (ET), Gabon (GA), Gambia (GM), Ghana (GH), Guinea (GN), Ivory Coast (CI), Lesotho (LS), Madagascar (MG), Malawi (MW), Mali (ML), Mauritania (MR), Mauritius (MU), Mayotte (YT), Morocco (MA), Niger (NE), Nigeria (NG), Reunion (RE), Sao Tome and Principe (ST), Seychelles (SC), South Africa (ZA), Togo (TG), Tunisia (TN), Western Sahara (EH), Zambia (ZM)

Middle East:
Bahrain (BH), Kuwait (KW), Oman (OM), Qatar (QA), Saudi Arabia (SA), United Arab Emirates (AE)

For Nigerian users specifically, the card is marketed by BANEX Microfinance Bank Limited, licensed by the Central Bank of Nigeria. Hong Kong and Macau are treated as separate jurisdictions from Mainland China, with Hong Kong appearing on the shipping list while Mainland China does not.

Compliance and Security

Identity Verification Requirements

KAST requires users to complete identity verification (KYC) before accessing any services, including depositing, withdrawing, and creating cards. The KYC process uses Sumsub for ID verification and claims to take less than two minutes in marketing materials.

Regulatory Framework

KAST operates as a financial technology company (not a bank) with services provided through licensed partners. The card program is issued by Third National under Visa license. Corporate entity Troia Corp is identified in cardholder agreements as the contracting party alongside users and the issuer.

Custody Model

KAST operates a fully custodial model where deposited crypto is legally sold to KAST and managed at corporate treasury level. Users no longer retain ownership of transferred assets, creating counterparty risk distinct from self-custody solutions. Partners are not required to segregate funds from KAST's other accounts unless otherwise agreed.

Security Features

• Two-factor authentication using authenticator apps with backup codes
• Card controls including instant freeze/unfreeze functionality
• 6-digit PIN for ATM use (securely encrypted)
• Enterprise-grade protection through partnerships with Fireblocks and BitGo
• Fraud monitoring via Sardine and Elliptic for suspicious activity scanning

Fund Protection

KAST explicitly states that funds are not insured by government deposit protection schemes. In the event of failure, bankruptcy, or liquidation, users may not be protected and may not recover funds, as they become unsecured creditors.

Technical Details

Mobile Wallet Integration

• Apple Pay: Supported (older cards may require reissuance for compatibility)
• Google Pay: Supported with detailed setup guides
• Samsung Pay: Not currently supported
• PayPal: KAST Card can be used for PayPal payments

Conversion Mechanics

Conversion timing:

• Stablecoin deposits converted to USD at deposit time (1:1, 0% spread)
• Non-stablecoin crypto auto-converted to stablecoins at deposit time (2-5% fee)
• Card spending debits from USD balance (conversion happens before transaction)

Legal framework:
Crypto deposits are treated as sales to KAST with ownership transferring to KAST and assets managed at corporate treasury level.

Card Format and Delivery

• Virtual cards: Instant in-app availability after KYC
• Physical cards: Typically delivered in 7-10 business days to supported destinations
• Card materials: Range from premium plastic to 24ct gold-plated and 37g solid gold variants

User Experience

Mobile App Features

• Instant virtual card creation after KYC completion
• View card details (number, CVV, expiration)
• Freeze/unfreeze card controls (instant)
• Balance management and transaction history
• Stablecoin deposit/withdrawal functionality
• Crypto-to-stablecoin conversion (KAST Convert)
• SOL staking for rewards points

Support Channels

• 24/7 support for all tiers via WhatsApp, WeChat, Telegram, and email
• VIP Concierge for Limited and Luxe tiers with claimed 15-minute response times
• Concierge-mediated 2FA resets and backup code recovery

Common User Feedback

Positive aspects:

• Fast onboarding and real-world spendability
• Successful international usage and Apple Pay integration
• Straightforward stablecoin loading and everyday spending

Common limitations:

• KYC/document approval difficulties
• Mixed support responsiveness reports
• Regional availability disappointments
• Occasional ATM/PIN issues requiring troubleshooting

Best Suited For

• Stablecoin holders who want to spend USD-pegged assets with Visa acceptance globally
• High-volume USD spenders who can justify Premium/Luxe tier fees through rewards optimization
• International travelers who accept 2% FX fees for crypto-to-fiat spending convenience
• Users comfortable with custodial risk who prioritize convenience over self-custody principles

Pros and Cons

Pros

• Zero fees on USD stablecoin deposits and spending
• Instant virtual card issuance with broad Visa acceptance
• No token staking requirements for rewards
• Apple Pay and Google Pay integration
• VIP Concierge support for higher tiers

Cons

• Fully custodial model with counterparty risk
• 2% FX fees negate Standard tier rewards on non-USD spending
• Expensive ATM withdrawal structure
• Funds not protected by deposit insurance
• Season-based rewards subject to change and exclusions

Conclusion

KAST Card stands out as a stablecoin-first spending solution that offers genuine utility for users who hold USD-pegged cryptocurrencies and want Visa acceptance without traditional banking relationships. The platform's 0% spread on stablecoin deposits and instant virtual card issuance provide clear advantages for crypto holders seeking spending flexibility.

However, the fully custodial model introduces significant counterparty risk that users must carefully weigh against convenience benefits. The fee structure can quickly erode rewards for international users or those who frequently use ATMs, making the value proposition highly dependent on spending patterns. While the Standard tier offers reasonable value for USD-focused users, higher tiers require substantial spending volumes to justify their annual fees through rewards alone.

KAST Card is most suitable for users who primarily spend in USD, hold stablecoins they want to monetize, and are comfortable with custodial crypto services. The lack of deposit insurance and explicit warnings about potential fund loss in insolvency scenarios make this unsuitable for users seeking bank-like protections or those uncomfortable with counterparty risk in the crypto ecosystem.

Additional Information

Break-Even Analysis for Tier Selection

Technical Limitations and Workarounds

Apple Pay compatibility: Older cards may require reissuance through support for Apple Pay functionality.

Country availability: No public country list available; check in-app dropdown during signup.

Large transactions: Very large purchases may trigger compliance review; contact concierge in advance for planned large transactions.

Risk Disclosure Summary

KAST's official risk disclosure emphasizes no deposit insurance, potential fund loss in insolvency, regulatory risks, custody risks where users don't retain crypto ownership, partner dependency risks, cybersecurity risks, and crypto volatility exposure.