kast.xyz — Bitcoin-Check
KAST
Bitcoin-Check: this program is ranked in our database but not fully listed — this page answers whether it is a real bitcoin card and what happens to your BTC.
The most complete stablecoin-spending account on the market: US/EU virtual bank accounts from anywhere, Visa Platinum cards with real 1.5% USD cashback on the free tier, instant cashback and no spending caps. Full KYC and a young operator are the trade-offs; the paid tiers only make sense for heavy spenders.
The bitcoin flow
Source note
Stablecoin deposits (USDC/USDT) are converted to USD 1:1 with 0% spread and 0% deposit fee; non-stablecoin crypto deposits (BTC/ETH/SOL etc.) auto-convert to stablecoins at 2-5% depending on token; USD bank deposits: ACH $2 flat, FedWire $15 flat; European payment-link deposits 0.6% processing + 0.3% FX (min $100)
The honest answer
Overview
KAST is not a real bitcoin card - it does not allow direct on-chain Bitcoin top-ups. Instead, it’s a crypto-friendly neobank that lets you load BTC by auto-converting it to USDC at 2 - 5% spread. The Visa debit card is issued by a Singapore-based fintech using regulated partners for custody and payments. It’s built for global users wanting USD-denominated spending with instant cashback, but you must pass full KYC. Bitcoin is converted during deposit, breaking the native flow.
Fees in practice
KAST charges no monthly or issuance fees on its free Standard tier. Top-ups with stablecoins (USDC/USDT) are free and converted 1:1 to USD. Non-stablecoin deposits like BTC incur a 2 - 5% auto-conversion fee. USD ACH deposits cost $2 flat, FedWire $15. European deposits via payment link cost 0.6% processing plus 0.3% FX (min $100). There’s a 2% FX fee on non-USD card spend and a $3 flat + 2% ATM fee (with 2% FX on non-USD withdrawals). For a $1,000 non-USD card spend, you’d pay $20 in FX fees - plus any prior BTC conversion spread.
Verdict
KAST is not a bitcoin-native card - it converts your BTC to USDC at a steep spread, selling your bitcoin when you deposit. It’s best for stablecoin users wanting a globally accessible Visa with instant USD cashback and no monthly fees. Avoid if you want to keep your bitcoin whole; consider it only if you prioritize spending flexibility and KYC-compliant banking rails over custody control.
The bitcoin flow
You cannot load Bitcoin directly onto the KAST card. When you deposit BTC, it is auto-converted to USDC at a 2 - 5% spread, which means your bitcoin is sold at that moment - a taxable event in most jurisdictions. The timing of the sale is not explicitly documented, but since conversion happens upon deposit, it is effectively sold when you top up. At the point of spending, you’re using USD-backed stablecoins via Visa. There is no Lightning funding option, and no documented minimum top-up amount for crypto.
Rewards
KAST pays 1.5% USD cashback on all eligible spend for Standard users, credited instantly and available as spendable balance. Paid tiers earn higher rates: Premium ($1,000/year) gets 2% cashback + 1% KAST Points, Private ($10,000/year) gets 3% + 2%. Rewards are in USD, not bitcoin, so there’s no sats accumulation. Cashback has no cap on Standard, but earn rates are limited to $50,000/month on Premium and $200,000/month on Private.
Custody & risk
Your funds are held in custodial accounts managed by KAST through licensed partners Fireblocks and BitGo. KAST itself is not a bank but a financial technology company, so your balances are not FDIC or SIPC insured. The operator is well-funded with $80M in Series A capital and partnerships with Solana and Pudgy Penguins, but it’s a young company founded in 2024. Full KYC is required, and while no incidents are documented, Reddit reports confirm real-world shipping and customs issues with physical cards. Data quality is verified, but the lack of a public country list raises transparency concerns.
Pros & cons
Pros
- Free Standard tier with 1.5% instant USD cashback (Visa Platinum)
- US/EU virtual accounts (ACH, SEPA, wires) from anywhere
- Spending limited only by wallet balance - no monthly spend caps
- Direct SOL/ETH/BTC deposits auto-converted to USDC for spending
- Fireblocks/BitGo custody, $80M Series A, well-established partners
Cons
- Full KYC fintech, not a bank
- Premium tiers ($1,000/$10,000 per year) priced for high spenders only
- Stablecoin-centric: BTC/ETH/SOL only via conversion to USDC
- Young company (founded 2024)
Factsall documented fields
| Card type | Debit · Visa · Physical + virtual |
|---|---|
| KYC | Full KYC |
| KYC trigger | Account onboarding with identity verification and real-time fraud monitoring |
| Custody | Custodial |
| BTC load | BTC via in-app conversion |
| BTC sale timing | Not documented |
| Lightning | no |
| Issuance | 2 free cards (virtual or physical) on Standard; 1 free premium card on Private; plated gold card included in Private |
| Monthly fee | none |
| Top-up fee | 0% |
| FX fee | 2% |
| ATM fee | 2% |
| Cashback | 1.5% in USD (cap: Standard unlimited; Premium earn cap $50,000/mo; Private earn cap $200,000/mo) |
| Regions | GLOBAL, US, EEA |
| Apple Pay | yes |
| Operator | KAST |
Score breakdownoverall 7.2/10
FAQ5 questions
Is this a real bitcoin card and when is my bitcoin sold?
Is KYC required to use KAST?
What fees does KAST charge in practice?
Does KAST pay rewards in bitcoin or sats?
Is KAST safe and who holds my funds?
On the website1 captures
Captured live capture 2026-09-27. Click any screenshot to enlarge.
Sources8 fetched & dated
Every claim traces to a source we fetched and dated. Community sources are individual threads, not paid reviews.
- EUR deposits into KAST now have 0% SEPA fees and no FX fee (!!!)
Brand-sub announcement post: EUR deposits via SEPA at 0% fee with no FX markup (received via user email), plus a $50 cashback campaign (min $2,000 SEPA deposit + $1,000 card spend). Documents live EEA banking rails.
- PSA: KAST Physical Card
Egyptian user report (Arabic): ordering the physical KAST card triggered a DHL customs-clearance invoice >2,000 EGP; KAST support refunded the charge. Real-world data point on physical-card shipping to MENA.
- Checked which crypto cards actually accept Indian residents, since RedotPay doesn't
Hands-on availability test with an Indian profile: 'KAST no longer publishes a country list anywhere, so it's out until an actual Indian holder says otherwise.' Notes a transparency regression - the 170+ countries claim is no longer backed by a public country list.
- KAST homepage - tiers and product (re-fetch)
Live homepage (fetched earlier in this research window, 200): Standard free (1.5% USD cashback, Visa Platinum, 2 free cards), Premium $1,000/yr, Private $10,000/yr. Confirms current tier naming that the older help-center snapshot predates.
- KAST Announces $80M Series A
Official announcement: $80M Series A co-led by QED Investors and Left Lane Capital, with Peak XV Partners, HSG and DST Global Partners participating. KAST reports >1 million users, ~$5B annualized transaction volume, and revenue doubled since end of September 2025. Funds go to product expansion, licensing/compliance and hiring.
- What Are the Fees and Conditions for KAST Cards and Accounts?
Official KAST help-center fee article (live page 403 from this IP, retrieved via Wayback snapshot 2026-01-12, article marked updated 2025-12-29). Documents: USD card spend 0%, non-USD card spend 2% FX fee; ATM withdrawal $3 flat + 2% (non-USD adds 2% FX), limits $250/withdrawal, 3 withdrawals or $750 per 24h; stablecoin deposits 0% fee converted 1:1 with 0% spread; non-stablecoin crypto deposits auto-convert at 2-5% per token; USD ACH $2, FedWire $15; EU payment-link deposits 0.6% + 0.3% FX; declined-transaction fee $0.50; small non-USD txn fee $0.10 under $25.
- KAST Terms & Conditions - Card Issuance
The KAST Card, issued as part of the Card Issuance Services, is a credit card that can be used at retailers, merchants, online website accepting cards from the relevant Card Network.
- Third National - issuer of record
Third National is an issuer on the Visa Network, enabling modern card programs across regions and use cases. Nimbus LLC dba Third National is licensed as a Money Transmitter by the Commissioner of Financial Institutions of Puerto Rico. NMLS #2612780.