CARD PROFILE · FULL KYC
KAST.
Stablecoin-first with true 0% spread. US bank account + routing number for non-US. SOL staking. PayFi: borrow against staked SOL interest-free. $80M Series A. LED/gold card options. Founded by ex-Circle exec. Singapore/UAE.
Cost / $100
$2.00
Top-up fee
Free
Network
Visa
Card type
Virtual + Physical
IBAN
No
Monthly limit
—
Status
Operational
Pros.
- +0% conversion on stablecoins — lowest deposit fee of all
- +0% transaction fee for USD spending
- +Unlimited spending (balance-limited)
- +Apple Pay & Google Pay from day one
- +160–170+ countries
- +Up to 8% cashback in KAST Points + 4% in $MOVE
- +US bank account without US residency
- +SOL staking ~3.5% APY
- +$80M Series A — VC-backed
- +Premium physical cards (metal, LED, gold)
- +25+ cryptocurrencies auto-converted
Cons.
- −⚠️ Full KYC required (Sumsub) — no privacy
- −ATM withdrawals expensive: $3 + 2% + operator (~5-10% total)
- −0.5–2% FX fee on non-USD erodes rewards
- −Premium tiers very expensive ($1K–$10K/year)
- −Reports of sudden account closures and frozen funds
- −Funds NOT FDIC insured
- −$0.50 declined transaction fee
- −$1/month inactivity fee after 12 months
- −⚠️ Suspicious Trustpilot pattern: 14 five-star reviews on single day
- −Physical card delivery can take months
- −~17 US states restricted
FEE BREAKDOWN
Detailed fee breakdown.
Top-up fee
Free
Transaction fee
0%
FX fee
2%
Issuance
Free
Monthly
Free
Cost / $100
$2.00
Stablecoins (USDT, USDC, USDe, PYUSD, RLUSD): 0% conversion, gas only. ACH: $2. FedWire: $15. ATM: $3 + 2% + operator. FX: 0.5–2%. Declined tx: $0.50. Inactivity: $1/month after 12mo. Standard virtual: free (first 2). Physical: $40–$10,000/yr.
COVERAGE
Where it works.
Supported coins
USDTUSDCUSDEPYUSDRLUSD
Chains
SolanaEthereumTronPolygonBSCArbitrumAvalancheTON
Use cases
Online · IRL · ATM
Blocked countries
CNINIRRUKPPKZAUGUAVE
WALLETS
Apple PayYes
Google PayYes
ATMYes
REPUTATION
Trustpilot
3.3/5
45 reviews
Monevia score
55/100
Verified 2026-04-30
ALTERNATIVES