Visa
KAST
7.9/10Overall Score
Card Mode
Third-party custody
Card Type
Credit
Mobile Payments
Google PaySupportedApple PaySupported
About the Project
Fees & Rules
01Spending & Conversion
- Base Transaction Fee
- 0%
- FX Fee
- 0%
- Small Transaction Fee
- $0
- Declined Transaction Fee
- $0.5
- Crypto / Fiat Conversion
- 0.5%
02Rewards
- Cashback
- 1.5%
Fee Sources · Verify Directly
concierge.kast.xyz/hc/en-us/articles/9850062738703-What-Are-the-Fees-and-ConditionsTeam & Investors
Team 17
Raagulan PathyCo-Founder
James ButlandChief Business Officer
Clément BergerChief Legal and Compliance Officer
Sameera NilupulChief Technology Officer
Sam KerrinsChief Operating Officer
Recent News
Gemini sold its UK and European business to the stablecoin payment company KastStablecoin payment platform KAST founder: No token issuance, points converted to Pioneer UnitsStablecoin payment company KAST completes $80 million financing, with a valuation of $600 millionFormer Binance communications lead joins stablecoin specialist KASTData: In the past 24 hours, top investors have focused on projects such as KAST, The Metagame, and EuphoriaStablecoin payment platform KAST has completed a $10 million seed round financing, led by Peak XV and HongShan
Card Guide
Overview
KAST is a stablecoin card and neobank platform launched in 2025 by a Singapore-based fintech team, with compliance footprints in Singapore and the UAE and a custodial model run jointly with licensed partners. The card is a Visa debit product; KAST says it works in 160+ countries and at roughly 150 million merchants and ATMs.
Four tiers are offered: Standard (K Card), Premium (X Card), Limited (Founders Edition, a limited run) and Luxe, all with virtual cards and physical cards finished in metal or with LED detailing. The platform also provides USD virtual bank accounts (ACH, FedWire, SEPA, PIX and SWIFT deposits), multi-chain stablecoin spending (USDT, USDC, PYUSD, USDe) and Solana staking and savings accounts, positioning itself as a stablecoin super-app.
Plan comparison
Cashback is paid in KAST Points:
| Item | Standard | Premium (X Card) | Limited (Founders) | Luxe |
|---|---|---|---|---|
| Benefits | up to 3% | up to 7% | up to 7% | up to 10% |
| Annual fee | free (USD 2 in some countries) | USD 1,000 | USD 5,000 (one-off) | USD 10,000. |
Benefits
| Item | Details |
|---|---|
| Cashback is paid in KAST Points: | |
| Standard: | up to 3% |
| Premium (X Card): | up to 7% |
| Limited (Founders): | up to 7% |
| Luxe: | up to 10% |
| Solana staking rewards: | Standard sits at the baseline level, Premium and Limited earn roughly twice the Standard rate and Luxe about three times. The corresponding SOL staking APY broadly spans 3.5%–21%, varying by tier and market conditions. |
| Savings and yield: | Earn offers up to about 7% variable APY. |
| Referral and new-user offers: | points for invitations; in some regions a USD 10 rebate after the first USD 100 of spending. |
| Network and service features: | Visa 3D Secure, Apple Pay / Google Pay, real-time transaction alerts, one-tap card freeze and concierge service on the higher tiers. |
Fees
| Item | Details |
|---|---|
| Annual fee: | Standard free (USD 2 in some countries); Premium USD 1,000; Limited USD 5,000 (one-off); Luxe USD 10,000. |
| Physical card: | USD 100 extra on Standard; one per year included from Premium up; additional physical cards cost USD 100 / 250 / 250 / 1,000 respectively. |
| Virtual card: | two free on Standard, then USD 2 each; one per year included from Premium up. |
| Transaction fee: | zero, including Apple Pay and Google Pay. |
| FX fee: | 2% on non-USD spending. |
| ATM withdrawal: | USD 3 + 2%; non-USD withdrawals add a further 2% FX fee. |
| Top-up / funding: | stablecoin deposits free; non-stablecoin deposits are converted automatically at 2%–7%. |
| Other fees: | USD 0.50 for a decline caused by insufficient balance; USD 0.10 on non-USD small authorisations below USD 25; on-chain withdrawals USD 8 on ERC, USD 5 on TRC and free on SOL, plus 0.1%; PIX deposits 0.38% IOF + 0.5% FX, withdrawals 0.38% IOF + 0.62%. |
| Tier differences: | the four tiers differ on annual fee, cashback rate, staking multiplier and additional-card fees; day-to-day fees (FX, ATM) are identical across tiers. |
Availability
| Item | Details |
|---|---|
| Supported regions: | 170+ countries. KAST does not publish a full whitelist — eligibility is decided by the country list shown during in-app KYC; confirmed coverage spans the United States, the UK, the EEA, Latin America (Argentina, Brazil, Chile, Colombia, Mexico, Peru and others), the Middle East, Africa and Asia-Pacific. |
| Unsupported regions: | sanctioned or compliance-restricted jurisdictions including Russia, Ukraine, Belarus, North Korea, Myanmar, Iran, Syria, Cuba, South Sudan, Yemen, mainland China and Afghanistan. A holder of an ID from a restricted region may still fail KYC even when resident in a supported country. |
| Spending limits: | no daily or monthly spend caps; the practical ceiling is the account balance. |
| ATM limits: | USD 250 per withdrawal, up to 3 withdrawals or USD 750 in any 24-hour period. |
| Sign-up requirements: | full KYC; accounts holding only a virtual card must deposit at least USD 5 within two weeks of activation or be closed automatically; up to 5 cards per account. |
