CoinsOnCards

    KAST CardReview

    Custodial Visa debit card with a stablecoin-first architecture and tiered rewards up to 8%.

    3.5· Updated: Season 5 rewards rates effective December 1, 2025 - March 31, 2026
    Visit issuer
    Cashback
    Up to 8.0%
    Custody
    custodial
    KYC
    full
    Networks
    —
    Monthly fee
    Free
    Available in
    —

    The verdict

    Best for: Stablecoin holders spending USD globally who can justify high tier fees for rewards.

    Skip if: You require self-custody, deposit insurance, or spend frequently in non-USD currencies.

    • Get up to 8% cashback, but pay a 2% FX fee on non-USD spend.
    • Enjoy instant virtual cards with Apple Pay, but accept full custodial counterparty risk.
    • Deposit stablecoins with 0% spread, but other crypto deposits incur a 2-5% fee.
    Get the KAST Card

    How it works

    • KAST offers four distinct tiers (Standard, Premium, Limited, Luxe) with eight different card designs. All tiers provide instant virtual card issuance after KYC, with physical cards available in materials ranging from premium plastic to 24ct gold-plated metal. Key features include a stablecoin-first USD account, global Visa acceptance at 150M+ merchants, and mobile wallet integration. Higher tiers (Premium and above) include VIP Concierge support with claimed 15-minute response times. The mobile app allows for card controls like freezing, balance management, and transaction history.

    Funding: USDC · USDT · PYUSD · RLUSD · BTC · ETH · ACH · Fedwire · SEPA · PIX · SWIFT

    Rewards calculator

    Estimated cashback
    $40
    Effective rate 2.0%
    • $0–∞ @ 2.0% → $40 on $2,000

    Tier requirements & loyalty

    Referrals: Referrers: 500 points when referred friend spends $200, 10,000 points if friend upgrades to premium. New users: 500 points on sign-up, 250 points on 5th transaction, 500 on 20th transaction

    Fees

    BankingSEPA: true · SWIFT: true · Direct deposit: true · Virtual accounts: true · Virtual USD bank account powered by Leads Bank (USA) supporting ACH transfers, Fedwire transfers, direct deposits, and wire transfers. KAST Pay offers payouts to 200+ countries with local currency support including USD via SWIFT, and local currencies (IDR, VND, PHP, THB, TRY, NGN, GBP, MYR, EUR via SEPA, MXN, JPY, INR, AED, MAD, SAR). European payment links: 0.6% processing + 0.3% FX fee (min $100, max $1,000,000). PIX available for Brazilian users.

    Borrowing terms

    Card functions like a prepaid debit card backed by crypto balance but is technically issued as a credit card on the backend, which improves acceptance for pre-authorizations at merchants worldwide.

    Custody & risk

    • If the issuer disappears
      Funds are not insured by government deposit protection schemes. In the event of KAST's failure, bankruptcy, or liquidation, users may not be protected and may not recover funds, as they become unsecured creditors.
    • Counterparty risk
      Custodial wallet with no deposit insurance - if provider disappears, funds are inaccessible to users
    • Market risk
      Rewards paid in points with uncertain future value - token conversion is not guaranteed or scheduled
    • Regulatory risk
      Company operates through multiple entities across Hong Kong, Seychelles, and Canada - complex jurisdictional structure

    KAST operates a fully custodial model where the platform holds all private keys. When crypto is deposited, ownership legally transfers to KAST and is treated as a sale. Assets are managed at KAST's corporate treasury level and are not held in segregated user wallets.

    Protections

    • Advanced encryption
    • Multi-factor authentication (MFA)
    • Google Authenticator 2FA
    • Biometrics
    • Card freeze/unfreeze
    • Custom spend limits on virtual cards
    • Real-time push notifications for transactions

    Insurance & coverage: No deposit insurance - account is not covered by insurance against losses

    Limits

    notes
    Per ATM withdrawal maximum: $250. Maximum 10 cards per user (physical + virtual combined).
    atm daily
    $750 (maximum 3 withdrawals/day)
    daily spending
    Unlimited (subject to available balance)
    per transaction
    Unlimited (subject to available balance and partner controls)

    The good

    • 0% fees on USD stablecoin deposits and spending
    • Instant virtual card with Visa-network acceptance
    • Apple Pay and Google Pay integration

    The catches

    • 2% FX fees on all non-USD spending
    • Expensive ATM fees: $3 + 2% per withdrawal

    Limitations

    • majorCashback is only paid in points which can be converted to $ at TGE - no guarantee tokens will launch or be valuable
    • majorCustodial wallet with no deposit insurance
    • moderate2% foreign exchange fee on non-USD transactions
    • moderateATM withdrawal fees ($3 + 2% for USD, $3 + 4% for non-USD ATMs)
    • moderateNot available in mainland China, India (onshore), Russia, and sanctioned countries
    • moderateRewards rates decrease each Season - not permanently locked when card activated
    • moderateKAST may modify Multipliers, implement caps, fees or expiration, alter availability, or end the Rewards Program entirely with simple notice
    • minor$0.10 fee on non-USD transactions under $25

    What users say

    App Store
    4.0/5.0 (96 ratings)
    Google Play
    3.1/5.0 (834 ratings)
    Trustpilot
    3.2/5.0 (3 ratings)

    User feedback has been generally positive regarding quick onboarding, ease of use, and responsive support. Mixed reviews on Android with many negative reviews from users in unsupported regions.

    Rating breakdown

    Net reward
    4.3
    Custody risk
    2.0
    Availability
    4.0
    User experience
    3.2
    Features & convenience
    4.0

    See our methodology for how we score each axis.