ether.fi Cash vs KAST
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Short answer: KAST wins overall (7.2/10 vs 6.4/10). The right pick still depends on your priority - see the flow comparison below.
 ether.fi Cash |  KAST | |
|---|---|---|
| Overall score | 6.4 | 7.2 |
| BTC load | Direct BTC top-up (on-chain) | BTC via in-app conversion |
| BTC sale timing | Not documented | Not documented |
| KYC | Full KYC | Full KYC |
| Custody | Self-custody | Custodial |
| Top-up fee | 0% | 0% |
| FX fee | 1% | 2% |
| Monthly fee | none | none |
| Cashback | 3% in ETHFI | 1.5% in USD |
| Regions | US, UK, EEA, APAC, LATAM | GLOBAL, US, EEA |
Pick ether.fi Cash if
- Known fee stack (1.0 vs 2.0 % equivalents on a $500/mo profile)
- Higher documented cashback (3% vs 1.5)
- Wider documented availability
Pick KAST if
- you match none of ether.fi Cash's edge cases - the closer score makes it the default
ether.fi Cash
A genuinely different architecture: keep full self-custody of 250+ assets and spend through a credit line instead of selling - with tiered memberships, travel cashback and premium Visa perks. The risks are equally clear: borrowing costs, portfolio volatility/liquidation risk, and a protection program that was still 'not yet live' at review time.
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.