Monetiro229 services on the ledger · last checked October 6, 2026
ENRU
$2.50/$100
Take it?CostsAsks forLimitsWhere it worksFlawsWhat has changedHow we checkedAlternatives
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KAST

KAST

VisaVirtual and plasticSince 2024
Asks for everythingOperational

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.

Total, per $100 spent: $2.50per $100 spent

118 of the 174 priced cards cost less. Among the 113 that ask for exactly as much identity, the median is $1.23. This one takes 2 times that for the same loss of privacy.

Open kast.xyzNot a paid link: we earn nothing either way.

Whether to take KAST

In its favour

  • 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

Against it

  • Full KYC required (Sumsub) — no privacy
  • Suspicious Trustpilot pattern: 14 five-star reviews on single day
  • ATM withdrawals expensive: $3 + 2% + operator (~5-10% total)
  • 0.5–2% FX fee on non-USD erodes rewards

Also true, in its favour

  • 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

What KAST costs

ChargeWhat it costs
To get the card
To issue the card$0.00
Monthly$0.00
To put money in
To load0%
To spend it
To spend0%
Per payment, fixed$0.50
To spend outside the dollar2%
At a cash machine$3 + 2% (USD); $3 + 2% + 2% FX (non-USD)
Total, per $100 spent$2.50

Read off kast.xyz on July 21, 2026.

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.

KYC: what KAST asks for

Full verification: a document, a photograph of your face and proof of your address. The same file a bank opens on you, held by a company that is not a bank.

Asks nothing7 cards
An email18 cards
A light check — a name and a phone, unverified9 cards
A document102 cards
Everything — document, face, address114 cards

Limits on spending

Cash, per day$750

Not published by the issuer: monthly spend, daily spend, per payment, maximum balance.

Confirmed on kast.xyz on July 21, 2026. A figure told to one person in a chat window is not a published limit, so it does not appear here.

Where it works

WalletsApple Pay and Google Pay
Accepted whereOnline, in person, cash machines
Account detailsIts own account details
Coins in5USDT, USDC, USDE, PYUSD, RLUSD
Chains8Solana, Ethereum, Tron, Polygon, BSC, Arbitrum, Avalanche, TON
TiersStandard, Premium, Private

Closed to residents of 10 countries, according to the issuer's own terms.

  • China
  • India
  • Iran
  • North Korea
  • Pakistan
  • Russia
  • South Africa
  • Uganda
  • Ukraine
  • Venezuela

The other flaws

  • 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
  • Physical card delivery can take months
  • ~17 US states restricted

What has changed

5 recorded changes, the most recent on May 6, 2026. Each carries the page we read it on.

May 6, 2026VerifiedKAST launches USD stablecoin cashbackOn May 6, 2026, KAST announced USD stablecoin cashback for its card users — adding a new reward layer alongside its existing points-based incentives, part of a wider 2026 expansion following an $80M Series A round.fintech.global
April 25, 2026New cardKAST V2 Infinite — Visa Infinite travel & concierge layered onKAST V2 Infinite adds Visa Infinite tier perks — travel insurance, concierge service and hotel benefits — while preserving the existing cashback and Points programmes. Repositions KAST against premium tier offerings (Crypto.com Obsidian, Ether.fi).kast.xyz
April 20, 2026VerifiedKAST simplifies rewards — USD cashback for all tiersKAST rolled out a simplified rewards model — USD cashback for all tiers (up to 3% on eligible spend) plus Points retained for Premium and Private members. Premium gets 2% on up to $10,000/month; Private members get the highest tier rates.kast.xyz
March 24, 2026New cardKAST and Pudgy Penguins launch Visa 'Pengu Card'KAST and Pudgy Penguins launched the 'Pengu Card' on March 24, 2026 — a Visa stablecoin debit card in Standard, Premium, and Luxe tiers, accepted at 150 million merchants across 170+ countries. Virtual cards live immediately; physical cards to follow.ffnews.com
March 9, 2026VerifiedKAST raises $80M Series A at $600M valuationKAST closed an $80 million Series A led by QED Investors and Left Lane Capital on March 9, 2026, with Peak XV Partners, HSG, and DST Global also participating. The stablecoin payments platform has surpassed 1 million users and $5B in annualized transaction volume.kast.xyz

How we checked this

Thirteen fields are tracked for every service. 11 of them carry a figure we read off kast.xyz on July 21, 2026.

Issuer's page
Cost per $100 · Loading charge · Currency conversion · Per-payment charge · Issuance · Monthly · Cash machine charge · Apple Pay and Google Pay
Sign-up flow
Identity level
Live check
Operating status
Terms
Countries closed
The issuer does not publish
Spending limits · Maximum balance

Nothing here came from a press release, an affiliate sheet, or another comparison site.

Open kast.xyzNot a paid link: we earn nothing either way.

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