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KAST vs Moon

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

Higher score KAST - illustration (AI-generated, not the official card design)
KAST
7.2
Full KYCCustodialBTC via in-app conversion
Get KAST
Moon - illustration (AI-generated, not the official card design)
Moon
3.8
Basic KYCCustodialLightning
Get Moon

Short answer KAST wins overall (7.2/10 vs 3.8/10). The right pick still depends on your priority - see the flow comparison below.

KAST Moon
Bitcoin flow
BTC loadBTC via in-app conversionDirect BTC top-up (on-chain) + Lightning
Lightning fundingnoyes - loads the card
BTC sale timingNot documentedNot documented
Fees
Top-up fee0%not documented
FX fee2%0%
Monthly feenonenone
ATM fee2%not documented
Cashback1.5% in USDnone
Privacy & custody
KYCFull KYCBasic KYC
CustodyCustodialCustodial
Limits
Daily spend limitnot documentednot documented
ATM daily limit$750 per 24h (max 3 withdrawals, $250 each)not documented
Max loadnot documentednot documented
Availability
RegionsGLOBAL, US, EEAGLOBAL
NetworkVisaVisa
Form factorPhysical + virtualVirtual
Apple Payyesno / unknown

Pick KAST if

  • Higher documented cashback (1.5% vs 0)
  • Physical card option
  • Wider documented availability

Pick Moon if

  • Known fee stack (2.0 vs 0.0 % equivalents on a $500/mo profile)
  • Lighter KYC (Basic KYC vs Full KYC)
  • Lightning funding that actually loads the card

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

Moon

Watch - do not load funds. The Lightning-funded virtual card worked until late November 2025, then cards were blocked en masse and withdrawals stalled (documented cases). Support has gone silent while the site still markets the product.

Full review

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FAQ

Which is better for privacy, KAST or Moon?
KAST requires Full KYC, while Moon requires Basic KYC. Lower KYC means less data exposure - and weaker regulatory protection if something goes wrong.
When does my bitcoin get sold on each card?
KAST: Not documented. Moon: 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