Kast card

Holding stablecoins won't buy groceries until Kast card turns that USDC or USDT balance into a normal Visa swipe at checkout.

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Launch Kast $20 after your first $100 of card spend with Referral Code 6MHGEMGE
Preview of Kast card

KAST Card Fees, Cashback And Stablecoin Support Explained

What is Kast card?

KAST Card is a prepaid Visa card that lets you spend stablecoins like USDC and USDT at over 150 million merchants in 170+ countries, with 1.5% USD cashback on the free tier.

Kast card Referral Code

The Kast card referral code is 6MHGEMGE. Enter it when you sign up on the official site.

6MHGEMGE
$20 after your first $100 of card spend with Referral Code 6MHGEMGE
Launch Kast

Kast card Overview

The KAST Card is a Visa card linked to a USD account inside the KAST app. You load stablecoins like USDC, USDT, USDe, PYUSD, or RLUSD, the app turns that balance into dollars, and you pay wherever Visa is taken. It is a prepaid card. There is no credit line and no interest on what you spend. You spend only what you load.

The card solves one problem. Plenty of people get paid in stablecoins or hold savings in them, then hit a wall the moment they need to pay rent, buy groceries, or book a flight. Cashing out through an exchange takes time and often costs a spread. KAST skips that step and lets the balance work at a normal checkout.

This card fits freelancers and remote workers paid in stablecoins who don't want a bank sitting in the middle. It also fits people in countries where opening a US or EU style bank account is hard, but Visa terminals are common. Travelers get a card that works with Apple Pay and Google Pay plus plastic backup in over 170 countries. Solana, Ethereum, and multi-chain users already holding USDC or USDT can convert into spendable USD at 1:1 with no deposit spread. It fits less well if you want full self-custody of every dollar, if most of your spending happens in a currency far from USD, or if you plan to treat the app as a long-term savings vault instead of a spending account.

Funding works through crypto deposits. You open Receive in the app, pick the exact token and network, and send it. Stablecoin deposits post to your USD balance at par. Send BTC, ETH, SOL, or other supported tokens and KAST converts them to USD, showing the rate before you confirm. Fiat funding through bank transfer is available in supported regions, with fees shown before you send. Getting the network wrong, say sending USDC on Ethereum when the app expects Solana, is the easiest way to lose money here. Match the token and the chain every time.

Spending happens off the same USD balance no matter which card design you carry. A virtual Visa card appears right after identity checks clear, and you can add it to Apple Pay or Google Pay immediately. A physical card ships for a flat fee. Three paid tiers, Standard, Premium, and Private, set your cashback rate and monthly cap: Standard is free with 1.5 percent USD cashback up to $2,000 in monthly spend, Premium runs $1,000 a year with 2 percent cashback up to $10,000 plus 1 percent in KAST Points, and Private runs $10,000 a year with 3 percent cashback on a higher cap plus 2 percent in points. Cashback pays out in USD you can actually spend, not points locked in a catalog, though KAST Points themselves have been rewritten more than once, so I'd treat them as a bonus rather than money in hand.

What sets KAST apart from a typical crypto card is the chain coverage and the fee structure. Stablecoin top-ups cost 0 percent from KAST, card spend in USD costs 0 percent, and wallet payments through Apple Pay or Google Pay cost 0 percent too. Where it gets less generous is foreign exchange on non-USD purchases, which runs in a published band, and ATM withdrawals, which carry a flat fee plus a percentage. None of that is hidden, the app shows the fee before you confirm a transaction, and that transparency is worth something on its own.

One honest caveat: this is a spending account, not a savings account. Your balance sits with KAST and its partners, not in a wallet you control. For paying bills and covering travel while you hold stablecoins, it does the job it says it does. For parking savings you never want to touch, look elsewhere.

Kast card Key features

  • Prepaid USD spending

    KAST loads a USD account inside the app and you spend only what you load. There is no credit line and no interest charge, so you can't overspend the balance.

  • 1:1 stablecoin funding

    USDC, USDT, USDe, PYUSD, and RLUSD convert to your USD balance at par, with 0 percent KAST spread. You still pay network gas on the sending chain.

  • Crypto conversion on deposit

    BTC, ETH, SOL, and other tokens convert to USD when you deposit them, and the app shows the rate before you confirm. Reviews note volatile tokens can carry a few percent conversion cost.

  • Instant virtual card

    Once identity checks clear, a virtual Visa number appears in the app and works right away. Add it to Apple Pay or Google Pay to spend before any plastic arrives.

  • Physical card option

    Standard plastic has no card fee, just a $40 shipping charge. Premium and Private tiers include metal or plated cards built into the membership price.

  • Global Visa acceptance

    KAST cites over 150 million merchants across more than 170 countries. The card works anywhere Visa is accepted, in store or online, subject to local program rules.

  • Apple Pay and Google Pay

    Wallet payments carry a 0 percent KAST fee, and the merchant only sees a tokenized number, not your card details.

  • Tiered USD cashback

    Standard pays 1.5 percent cashback on the first $2,000 of monthly eligible spend. Premium pays 2 percent up to $10,000, and Private pays 3 percent on a higher cap, all paid in spendable USD rather than points.

  • KAST Points on paid tiers

    Premium adds 1 percent in KAST Points on eligible spend and Private adds 2 percent. Point programs have changed before, so treat them as a bonus, not guaranteed value.

  • In app spending controls

    You can freeze or unfreeze the card, reset a PIN, and set limits directly in the app, synced to your USD or EUR style account.

  • ATM cash withdrawals

    Visa ATM withdrawals cost $3 flat plus 2 percent of the amount, with FX added on non USD machines. Published limits are $250 per withdrawal, up to three withdrawals or $750 in 24 hours.

  • Fiat funding rails

    Users in supported regions can load the account through bank transfer, ACH style details, or SEPA style details. Fees show in the app before you send.

  • Free peer transfers

    Sending to another KAST user by tag, email, or phone carries no KAST fee, inside the published daily caps.

  • Broad chain support

    Stablecoin receive covers networks like Solana, Ethereum, Tron, Polygon, Base, and more depending on the token. Send networks are narrower, for example USDC only sends on Solana, Ethereum, and Arbitrum, so you have to match the network on both ends.

  • Optional yield products

    KAST offers a Prime Vault targeting treasury backed yield in the low single digits, a Gauntlet Alpha Vault with higher variable DeFi risk, and a promotional Reserve balance paying 6 to 12 percent by tier. Reserve rates are marketing funded and scheduled to step down after an introductory window or a $100 million cap.

  • Three membership tiers

    Standard is free, Premium costs $1,000 a year, and Private costs $10,000 a year. Each tier raises the card design, cashback rate, and cashback cap.

Get the app

Download Kast card App For Android And iOS

Download Kast card and start spending crypto from your phone — available on Android and iOS.

Get it onGoogle Play Download on theApp Store

Kast card Fees

  • Annual membership Standard costs $0 a year, Premium costs $1,000 a year, and Private costs $10,000 a year.
  • FX spread Spending in a non-USD currency carries a fee of 0.5 percent to 1.75 percent, depending on your country, the merchant's country, and the in-app quote.
  • ATM withdrawals Visa ATM cash-outs cost $3 flat plus 2 percent of the amount, with extra FX charges if the ATM is not in USD.
  • Card issuance A standard virtual card is free, an extra standard virtual card costs $2, and a standard physical card is free but ships for $40.
  • Stablecoin withdrawal Sending stablecoins back on-chain costs, for example, $1 plus 0.1 percent on Solana, $6 plus 0.1 percent on Ethereum, and $5 plus 0.1 percent on Tron.

Kast card Supported networks

  • Solana
  • Ethereum
  • Tron
  • Polygon
  • BNB Chain
  • Arbitrum
  • Avalanche
  • TON
  • Base
  • Stellar
  • Optimism
  • Sonic
  • Xrpl
  • Bitcoin

How to use Kast card

  1. Create your account

    Download the KAST app from the official store listing, or go to kast.xyz, and sign up with your email and phone number. Kast Referral Code: polymart.app/blog/kast-card-code

  2. Verify your identity

    Complete the ID check when the app asks for it. Current reviews describe a Sumsub ID scan plus a selfie, and you need this step to unlock full limits.

  3. Fund with stablecoins

    Open Receive, choose the exact asset (USDC, USDT, USDe, PYUSD, or RLUSD) and the exact network shown on screen, then send a small test amount first. Supported stablecoins convert to your USD balance at 1:1 with no KAST spread, though you still pay gas on the sending chain.

  4. Match the network exactly

    Double check that the network you send from matches the one KAST shows in the app. USDC on Solana is not USDC on Ethereum, and sending to the wrong network is the most common way people lose funds here.

  5. Issue your card

    Open Cards and activate a virtual Visa number once your funds land. Add it to Apple Pay or Google Pay for 0 percent wallet fees, or order the free Standard plastic card if you want something physical (shipping runs $40).

  6. Make your first payment

    Spend straight from your loaded USD balance at any merchant that takes Visa, in person or online. If a charge looks off, freeze the card from the app right away.

Kast card Demo video

Kast card Screenshots

Kast card User Reviews

  • @MuhammadBadrAli
    @MuhammadBadrAli Aug 31, 2026

    Can't believe I just spent @solana on Foodpanda.

    Thanks @KASTxyz

    View on X ↗
  • @Jaseke_
    @Jaseke_ Aug 31, 2026

    Love @pudgypenguins & @KASTxyz 🐧

    Almost 90% of my payments are made through a Web3 neobank these days.

    Also, that shrimp dinner was incredible!

    View on X ↗
  • @0xPumbi
    @0xPumbi Apr 23, 2026

    Acabo de pagar en una cafetería muy conocida aquí en Asunción 🇵🇾

    El del local:
    "¿crédito o débito?"

    Yo:
    "cripto"

    No hubo explicación.
    No hubo fricción.
    Solo acerqué la tarjeta y listo.

    Después miro mi wallet:
    todo en dólares digitales.

    Con KAST:

    - Cargás USDC / USDT / SOL
    - Pagás en cualquier POS (Visa real)
    - Puntos para su airdrop
    - Sin bancos, sin vueltas

    Lo más loco es que..
    para el resto, fue una compra normal.

    Pero vos y yo sabemos que no lo fue.

    Recomiendo mucho probarla.

    View on X ↗
Used Kast card? Share your experience — your review helps other traders decide. Write a review →

Kast card Review

Pros

  • Stablecoin deposits convert to your USD balance at 1:1 with 0 percent KAST spread, so USDC or USDT does not lose value on the way in.
  • The free Standard tier still pays 1.5 percent USD cashback on the first $2,000 spent each month.
  • Cashback lands as spendable USD, not points you have to redeem in a catalog.
  • A virtual Visa card is issued as soon as identity checks clear, so you can pay with Apple Pay or Google Pay before plastic arrives.
  • Wallet payments through Apple Pay and Google Pay carry a 0 percent KAST fee.
  • The card works at any of the 150 million plus Visa merchants across 170 plus countries KAST cites.
  • There is no monthly maintenance fee, and a standard physical card costs only $40 shipping instead of a card fee.
  • You can freeze the card, change the PIN, and set spend limits directly in the app if a charge looks wrong.
  • Being prepaid, the card cannot pull you into revolving debt or surprise interest charges.

Cons

  • Your spendable balance sits with KAST and its partners, not in your own wallet, so you become a claimant if a partner fails.
  • The digital asset ledger is not FDIC insured, even though some fiat rails route through an FDIC member bank.
  • FX on non USD purchases runs up to 1.75 percent, which can wipe out the 1.5 percent Standard cashback.
  • Premium costs $1,000 a year and Private costs $10,000 a year just to raise your cashback cap and card tier.
  • KAST Points programs have already changed more than once, so points can lose value or get rewritten.
  • ATM withdrawals cost $3 plus 2 percent, and non USD ATMs add FX on top.
  • Cashback often cannot leave the app as an external withdrawal, per user reports.
  • Some users report account freezes and slow support reviews after large deposits.

Our verdict

Kast is worth carrying if you already live in stablecoins and just need a way to pay rent or grab lunch without a bank in the middle. The free Standard tier is honest about its costs: 0% on USD spend, 1:1 on stablecoin loads, but FX on non-USD purchases runs up to 1.75%, which can wipe out your 1.5% cashback fast. ATMs sting too, at $3 plus 2%, so this is not a cash-machine card. I would carry it for travel and daily USD spend, not as a place to park savings, because the balance sits with Kast's partners, not in your own wallet. My mind would change if Kast published FDIC-style insurance on the spend balance or dropped that FX band closer to zero, until then, load only what you plan to spend this month.

Kast funding

  • Founded by KAST was co-founded by Raagulan Pathy, the former Circle vice president for Asia Pacific and CEO of Circle Singapore, and Daniel Bertoli, a former partner at Quona Capital.
  • Seed - Dec 2024 KAST raised $10 million in a seed round led by HSG (HongShan Capital Group) and Peak XV Partners, with participation from angels, DST Global partners, and Goodwater Capital.
  • Series A - Mar 2026 KAST raised $80 million in a Series A co-led by QED Investors and Left Lane Capital, with participation from Peak XV, HSG, and DST Global Partners.

Is Kast card safe & legit?

KAST is a real fintech, not an anonymous card mill. It was founded in July 2024 by Raagulan Pathy (ex-Circle) and Daniel Bertoli (ex-Quona Capital), and it has raised about $90 million from backers like Peak XV, HSG, QED Investors, and Left Lane Capital. But the balance is custodial: your funds sit with KAST's partners (issuer Third National, banking rails via Lead Bank and Bridge), not in your own wallet, and reviews confirm the digital asset ledger is not FDIC insured. The known risk isn't fraud, it's operational: users report account freezes and slow support after large deposits, so treat KAST as a spending account you top up for bills and travel, not a place to park savings.

X account intel @KASTxyz

  • Based in Singapore
  • Joined X February 2024 2 years ago
  • Username changes 6 renames last on Nov 6, 2025
  • Signup source Web

Public profile signals from X. Use as one input alongside other due-diligence.

Security scan checked Oct 16, 2026

  • Google Web Risk Not flagged
  • MetaMask Not flagged
  • Phantom Not flagged
  • ScamSniffer Not flagged
  • EtherAddressLookup Not flagged
  • Keplr Wallet Not flagged

Domain kastcard.app checked against Google's lists of unsafe sites and public crypto wallet blacklists.

Kast card Updates

  1. Kast card logo
    KAST
    Non-VIP users trying to skip the line at the Solid Gold Party.
    • 15 replies
    • 3 reposts
    • 41 likes
    • 4.2K views
  2. Kast card logo
    KAST
    🚨NEW: We sat down with @KASTxyz CEO @raagulanpathy at @kbwofficial to discuss stablecoins, global banking and why he believes America is uniquely positioned to lead in crypto.
    “When America does it, then everyone else is going to follow.”
    • 4 replies
    • 6 reposts
    • 34 likes
    • 8.2K views
  3. Kast card logo
    KAST
    What a f*ckin blessing to be exhausted because you’re building something you truly believe in, surrounded by people who share the same passion.
    The long days, sleepless nights, crazy deadlines, last minute chaos, endless flights, incredible people, and unforgettable moments you’ll be talking about for years.
    The kind of work that drains your energy, tests your patience, pushes you to your limits, but somehow makes you want to do it all over again.
    Tired as fuck, but happy as hell.
    Because when you genuinely love what you do, even the chaos becomes part of the magic.
    That’s the kind of exhaustion I’ll never complain about.
    @KASTxyz has my whole heart 🖤
    • 25 replies
    • 9 reposts
    • 123 likes
    • 14.7K views
  4. Kast card logo
    KAST
    I’ll forget half the parties from TOKEN2049, but I won’t forget what @KASTxyz did for me
    after the TOKEN event on the 7th, I was exhausted and sick, and getting a cab was such a struggle @KASTxyz booked a ride for me and made sure I got home safely. It might seem like a small gesture, but when you’re sick and completely drained in a foreign city, it means everything.
    And honestly, that was just one example of how amazing KAST was throughout TOKEN + F1 week.
    From VIP airport pickups to having cars available throughout the week to get us to and from events around Singapore (where taxis are ridiculously expensive), they made everything so much easier.
    Everyone was talking about the KAST Dinner and Gold event. It felt like half of TOKEN was there, and the team was incredibly hospitable throughout.
    KAST didn’t just host events; they genuinely took care of people. And that’s what makes the experience memorable.
    • 15 replies
    • 6 reposts
    • 102 likes
    • 4.7K views
  5. Kast card logo
    KAST
    When you had a VIP car, and your friend says getting a taxi was no big deal.
    • 17 replies
    • 3 reposts
    • 58 likes
    • 6.5K views
  6. Kast card logo
    KAST
    another heavy hitter joining the @KASTxyz crew
    excited to welcome Claire Wells as our new Chief Legal Officer
    after some impressive stints at @coinbase @circle @Plaid, Claire joins to lead our legal, reg, compliance, licensing strategy and execution.
    fun fact, my first gig out of college was a growth guy at a social payments company with her, over a decade ago (Tilt RIP)
    welcome Claire!
    https://www.kast.xyz/en/blog/people/kast-appoints-claire-wells-as-chief-legal-officer
    • 6 replies
    • 2 reposts
    • 44 likes
    • 1.9K views
  7. Kast card logo
    KAST
    Thank you, @KASTxyz for the incredible VIP treatment at TOKEN2049 Singapore. I'm all in on KAST!
    The Amber Lounge F1 afterparty was absolutely amazing. Got to meet so many legends in the crypto.
    Thanks for always making me feel welcome! @raagulanpathy @ItsJoshieP ❤️🙏
    • 15 replies
    • 3 reposts
    • 46 likes
    • 2.6K views
  8. Kast card logo
    KAST
    Some weeks deserve a grand finale.
    KAST at Amber Lounge.
    Over 100 VIP guests.
    Photos are in your inbox.
    • 32 replies
    • 12 reposts
    • 121 likes
    • 11.6K views
  9. Kast card logo
    KAST
    Shut up and ship boss 😁✊🏼
    F1, Wagyu dinner, elite host and team, inside conversations with Australian Leon and mysterious old unc.
    Jokes aside, I have used Kast for 18 months now and I never had an issue. We stopped working in May and still like to hang out together. If this is how you treat your shareholders idk why waly keeps crying.
    I just want to say, gracias Kast & Raag!!
    • 17 replies
    • 3 reposts
    • 109 likes
    • 4.5K views
  10. Kast card logo
    KAST
    Kast definitely knows how to throw parties 🍾
    • 11 replies
    • 4 reposts
    • 70 likes
    • 2.6K views
  11. Kast card logo
    KAST
    KAST did an absolutely amazing job during TOKEN + F1
    They had VIP rides picking people up from the airport, and those cars stayed available throughout the week to get us to and from events around the city(taxis are so expensive in Singapore, so this was huge for many)
    Everyone was talking about the KAST Dinner and the Gold event. It felt like most of TOKEN was there, and the team was incredibly hospitable the entire time
    Then came Amber Lounge, one of the biggest F1 events in the world. We were treated like royalty and had an absolute blast
    Every time I saw @raagulanpathy, he welcomed us with open arms. You don’t see that often from C-level execs in this industry, especially someone operating at his level
    But for me, it went way beyond the events
    I lost my phone, and @ItsJoshieP from KAST came to my hotel and spent hours helping me look for it around the city
    After that, they took me to hit a sauna + cold plunge, took me out for some really good food, and then took me to get myself a new phone
    They had absolutely no reason to go that far for me, but they did
    Huge thanks and shoutout to the entire @KASTxyz team
    Wishing them nothing but immense success 👏🏽
    • 22 replies
    • 3 reposts
    • 91 likes
    • 5.2K views
  12. Kast card logo
    KAST
    What an unforgettable week with Token & F1.
    From incredible events, parties & dinners to meeting some of the best minds in the industry. The connections made this week was the biggest highlight for me.
    Too many legends to tag. If you know, you know. 🤝
    Special shoutout to @introductioncom, @KASTxyz, @BloFin_Official, @BTCCexchange & @Bitbase_Ex for hosting some of the best events of the week.
    Back locked in, let’s get it!
    • 37 replies
    • 9 reposts
    • 77 likes
    • 3.5K views
  13. Kast card logo
    KAST
    Massive week with Token + F1 officially over.
    Always the craziest week for us @KASTxyz we go all out with the marketing and looking after our customers. A quick recap & thoughts….
    0/ wrote all this and realised even before this week, we had tons of stuff at KBW last week - JFC!!!
    1/ weeks and months before, we started offering the VIP airport pickups. hundreds (nearly into thousands) of ppl arrived with VIP pickup at Changi Airport.
    2/ the board & close friends VIP dinner - tuesday (side note to everyone @KASTxyz who prepped and executed a 4-5hr board meeting just 5 days after end of quarter)
    3/ huge booth at token as you enter, shout out to all the models, photographers and staff who worked hard!
    4/ all the meetings at token
    5/ 24x7 x 10+ cars for clients all of Wednesday and Thursday to get free rides across Singapore. We coordinated.
    6/ KAST Solid Gold Party on Thursday, the place to be, and free flowing till 3am! Over 5000 registered (I think final number like 6 or 7k), and 2500+ through the door. Whole place with 5 venues, customised just for us!
    7/ Hosting ppl at Token after party on Fri night
    8/ Sponsoring @AmberLoungeLtd for Sat and Sunday with our VIPs (100+ people).
    9/ All the F1 stuff in between.
    10/ And a million other things in between, to make sure everyone felt loved by KAST.
    —-
    A lot of people chipped in, but three people were the real hero’s! You know who you are!
    The difference in everything we do at @KASTxyz - is that we really care. You’ll see this for sure from anyone here you speak with or met in person in Singapore this week.
    And yes we know - we are young and still imperfect for sure, we have so many things to fix and do better.
    But for the time being, really a huge thank you to my KAST team for giving our best in everything we’ve done the last few weeks.
    ❤️ ❤️ ❤️
    • 24 replies
    • 9 reposts
    • 114 likes
    • 13.9K views
  14. Kast card logo
    KAST
    probably the highlight of your token2049 SG 🇸🇬experience, the comfort of leaving the convention back to your hotel
    a truly solid vip experience for free 💯
    @KASTxyz @raagulanpathy
    • 3 replies
    • 1 reposts
    • 10 likes
    • 1.4K views
  15. Kast card logo
    KAST
    Singapore set the bar.
    Solid Gold Table. Solid Gold Party.
    VIP Airport Pickups & VIP Rides.
    Amber Lounge.
    What should we bring back for Breakpoint?
    • 22 replies
    • 5 reposts
    • 109 likes
    • 9.8K views
  16. Kast card logo
    KAST
    Thank you @KASTxyz for royalty treatment this week in Singapore!
    We had a very memorable time at the Amber Lounge F1 afterparty
    • 23 replies
    • 9 reposts
    • 160 likes
    • 9K views
  17. Kast card logo
    KAST
    Over 3,000 of you made it a night to remember.
    Solid Gold Party & Solid Gold Table.
    Photos sent to every attendee via Luma.
    Check your inbox. Find yours. Share the moment.
    • 42 replies
    • 12 reposts
    • 178 likes
    • 124.7K views
  18. Kast card logo
    KAST
    was such a lovely night
    ty @KASTxyz
    • 34 replies
    • 10 reposts
    • 168 likes
    • 5.4K views
  19. Kast card logo
    KAST
    Good night with the girls 💫✨
    • 61 replies
    • 14 reposts
    • 283 likes
    • 6.4K views

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Kast card Referral Code

The Kast card referral code is 6MHGEMGE. Enter it when you sign up on the official site.

6MHGEMGE
$20 after your first $100 of card spend with Referral Code 6MHGEMGE
Launch Kast
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