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Freedomia vs KAST

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

Freedomia - illustration (AI-generated, not the official card design)
Freedomia
6.2
No KYCCustodialLightning
Get Freedomia
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 6.2/10). The right pick still depends on your priority - see the flow comparison below.

Freedomia KAST
Bitcoin flow
BTC loadDirect BTC top-up (on-chain) + LightningBTC via in-app conversion
Lightning fundingyes - loads the cardno
BTC sale timingBTC sold when you top upNot documented
Fees
Top-up fee1.3%0%
FX fee2.5%2%
Monthly fee$5none
ATM fee3.5%2%
Cashbacknone1.5% in USD
Privacy & custody
KYCNo KYCFull KYC
CustodyCustodialCustodial
Limits
Daily spend limitnot documentednot documented
ATM daily limit$3,000/day (max 3 withdrawals/day); $5,000/month (max 30 withdrawals); $60,000/year - official FAQ$750 per 24h (max 3 withdrawals, $250 each)
Max load$5,000 monthly limit doubles as load capnot documented
Availability
RegionsGLOBALGLOBAL, US, EEA
NetworkVisaVisa
Form factorVirtualPhysical + virtual
Apple Payno / unknownyes

Pick Freedomia if

  • Lighter KYC (No KYC vs Full KYC)
  • Lightning funding that actually loads the card

Pick KAST if

  • Known fee stack (4.8 vs 2.0 % equivalents on a $500/mo profile)
  • Higher documented cashback (1.5% vs 0)
  • Cheaper ATM withdrawals (2% vs 3.5%)
  • Physical card option
  • Wider documented availability

Freedomia

The most polished Lightning-native card pitch on the market: instant virtual Visa, Lightning Address top-ups, explicit no-KYC stance, Google Wallet and Tor support. Counterparty risk is substantial - the operator stays anonymous, the service is in its launch phase, and card balances are custodial.

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, Freedomia or KAST?
Freedomia 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?
Freedomia: BTC sold when you top up. 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 2026-10-05 · How we verify