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2Fiat vs KAST

Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.

2Fiat card
2Fiat
5.3
No KYCCustodialDirect BTC top-up
Get 2Fiat
Higher score KAST - illustration (AI-generated, not the official card design)
KAST
7.2
Full KYCCustodialBTC via in-app conversion
Get KAST

Short answer KAST wins overall (7.2/10 vs 5.3/10). The right pick still depends on your priority - see the flow comparison below.

2Fiat KAST
Bitcoin flow
BTC loadDirect BTC top-up (on-chain)BTC via in-app conversion
Lightning fundingnono
BTC sale timingNot documentedNot documented
Fees
Top-up fee6.5%0%
FX fee2.5%2%
Monthly feenonenone
ATM feeATM withdrawals not supported - official FAQ (2fiat.com/api/v1/faq, entry updated 2025-06-21): 'Can I use the virtual card to withdraw funds? - Withdrawals are not supported at this time.'2%
Cashbacknone1.5% in USD
Privacy & custody
KYCNo KYCFull KYC
CustodyCustodialCustodial
Limits
Daily spend limitnot documentednot documented
ATM daily limitnot documented$750 per 24h (max 3 withdrawals, $250 each)
Max load$10,000 per loadnot documented
Availability
RegionsGLOBALGLOBAL, US, EEA
NetworkMastercardVisa
Form factorVirtualPhysical + virtual
Apple Payyesyes

Pick 2Fiat if

  • Lighter KYC (No KYC vs Full KYC)

Pick KAST if

  • Known fee stack (9.0 vs 2.0 % equivalents on a $500/mo profile)
  • Higher documented cashback (1.5% vs 0)
  • Physical card option
  • Wider documented availability

2Fiat

A multi-asset virtual Mastercard with Apple/Google Pay support and $10-$10,000 loads - a rare direct-altcoin-load card. Until fees, limits and the operator behind it are verifiable, treat it as an unverified lead: fund only what you can afford to lose.

Full review

KAST

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.

Full review

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FAQ

Which is better for privacy, 2Fiat or KAST?
2Fiat requires no KYC, while KAST requires Full KYC. Lower KYC means less data exposure - and weaker regulatory protection if something goes wrong.
When does my bitcoin get sold on each card?
2Fiat: Not documented. KAST: Not documented. Sale timing determines your price exposure between loading and spending.
Which is cheaper overall?
Compare the full stack - top-up, FX, monthly, ATM - against your own spending mix in the fee calculator. Headline numbers alone flip with real usage.

Facts checked 2026-09-20 · How we verify