Kast

Kast is a prepaid Visa card linked to a custodial USD balance funded through stablecoin or crypto deposits. Stablecoins (USDT, USDC, USDe, PYUSD, RLUSD) load at 1:1 with no fee, while volatile assets (BTC, ETH, SOL, XRP, BNB) are converted to USD on arrival at a 2%, 5% fee. The card is available in 170+ countries, including the US, where it also provides virtual USD account numbers for ACH and FedWire transfers.

1. Download the app and complete KYC (ID and selfie, no credit check).

2. Deposit stablecoins (1:1, no fee) or volatile crypto (converted at 2%, 5% fee) into the Kast balance.

3. Receive an instant virtual Visa card; order a physical card if needed ($40 shipping on the free tier, 7-10 business days).

4. Spend via Visa network, Apple Pay, or Google Pay, USD purchases carry 0% fee, non-USD purchases carry 0.5%, 1.75% FX fee.

5. Earn cashback in USD credited to the card balance: 1.5% on the free tier (up to $2,000/month spend), 2% on Premium ($1,000/year), or 3% on Private ($10,000/year).

Use Kast when you:

• Hold stablecoins (USDT, USDC) and want to spend them in USD without an off-ramp

• Are a US resident or reside in one of the 170+ supported countries

• Want a free-tier card with no annual fee and instant virtual issuance

• Need virtual USD account numbers for ACH/FedWire alongside card spending

Not ideal if you:

• Mainly hold BTC or ETH, deposits are sold at a 2%, 5% fee before you can spend

• Need frequent ATM cash, withdrawals are capped at $250 each, $750/24h, plus $3 + 2% fee

• Prefer self-custody, all balances are custodial, held by Kast

• Need SEPA/IBAN banking, Kast offers US ACH/FedWire, not European IBAN rails