Kast Card is a crypto-linked Visa card product offered through the KAST platform. It is available as a virtual card for immediate use and, where supported, a physical card that can be shipped to users. KAST positions the card as a way to spend a USD-denominated balance funded by stablecoins and other supported deposits, with automatic currency conversion for international purchases and optional rewards tied to card activity.
Overview
According to KAST’s Terms and Conditions of Service, the “Company” refers to KAST Tech (Reg No. 16223), incorporated in Anjouan, Union of Comoros. KAST’s terms describe the Kast Card as a credit card provided through partners and secured by deposited virtual assets held with a custodian. In day-to-day use, KAST’s help documentation and product pages describe the card as drawing from a user’s available KAST balance, with transactions settling through the Visa network.
- Parent company: KAST Tech (per KAST Terms and Conditions of Service)
- Card network: Visa
- Card formats: Virtual and physical (availability varies by country)
- Account denomination: USD balance display within KAST
Card Types and Tiers
The current membership lineup comprises Standard, Premium and Private. Standard has no membership charge, Premium costs $1,000 per year and Private costs $10,000 per year. Card format and delivery depend on the plan and country.
Funding and Supported Assets
KAST’s Terms define “Acceptable Tokens” for deposit as USDT and USDC, and note that the list can be updated. KAST’s fees and conditions page adds that stablecoin deposits are converted to USD at a 1:1 rate with 0% spread. KAST also describes deposits of non-stablecoin tokens as being automatically converted into stablecoins, with a 2% to 5% conversion fee that varies by token.
For fiat funding, KAST’s published schedule lists incoming USD bank transfer fees of $2 for ACH and $15 for Fedwire, and states that incoming bank transfers must be in USD.
Rewards and Benefits
Current membership rewards start at 1.5% USD cashback on Standard, covering up to $2,000 in eligible monthly spending. Premium pays 2% on up to $10,000, and Private pays 3% on up to $40,000. Premium also earns 1% KAST Points and Private 2%. The former Season 5 points rates are no longer the current membership offer.
Fees and Limits
Current membership pricing is $0 for Standard, $1,000 per year for Premium and $10,000 per year for Private. The fee schedule states the first two virtual cards are free, additional virtual cards cost $2 each, and in some countries the first virtual card costs $2. Standard physical cards are listed as free with a $40 shipping fee, while additional physical cards on higher tiers can carry additional issuance fees.
For card transaction fees, KAST lists 0% top-up fees, 0% card spend and transaction fees in USD, and 0% fees for Apple Pay and Google Pay. For non-USD transactions, KAST lists a foreign exchange fee of 0.5% to 1.75% depending on the user’s country and where the transaction takes place. KAST also lists a $0.10 fee for non-USD transactions under $25 and a $0.50 declined transaction fee when the decline is due to insufficient balance.
KAST’s schedule describes unlimited card transaction limits and unlimited account deposit and balance limits across tiers. For ATM withdrawals, it lists a fee of $3 plus 2% of the withdrawal amount, with an additional foreign exchange fee for non-USD withdrawals. It also lists an ATM withdrawal limit of up to $250 per withdrawal, with a limit of three withdrawals or $750 per 24-hour period.
Acceptance and Usage
KAST states that its cards can be used online, in-store, and internationally wherever Visa is accepted, and that stablecoins can automatically convert to 18 or more local currencies at checkout. KAST’s support documentation also notes that some regions may restrict prepaid card acceptance due to local regulations and that merchants such as hotels or car rental providers may place pre-authorization holds that temporarily reduce available spending capacity.
Eligibility and Availability
KAST states the card is not available in every country and instructs users to check availability during sign-up, where supported countries appear in a dropdown selection. KAST also notes that using a VPN to access services from an unsupported country violates its Terms of Service. KYC verification requirements can apply depending on the service and region, and KAST indicates that users who cannot complete KYC will not be able to access platform features until their country becomes supported.
Risks and Considerations
- Terms-driven model: KAST’s Terms describe deposited virtual assets as being sold to KAST for settlement purposes, with a USD-denominated ledger entry used as a transactional reference for spending.
- FX and ATM costs: International transactions can incur foreign exchange fees, and cash withdrawals can include both KAST fees and ATM operator surcharges.
- Rewards variability: Cashback has plan-specific spending caps, and KAST Points are a separate reward.
- Regional constraints: Availability, card shipping, and digital wallet support can vary by country and may change based on regulatory and partnership requirements.
