KAST vs Moon
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 3.8/10). The right pick still depends on your priority - see the flow comparison below.
 KAST |  Moon | |
|---|---|---|
| Overall score | 7.2 | 3.8 |
| BTC load | BTC via in-app conversion | Direct BTC top-up (on-chain) |
| BTC sale timing | Not documented | Not documented |
| KYC | Full KYC | Basic KYC |
| Custody | Custodial | Custodial |
| Top-up fee | 0% | not documented |
| FX fee | 2% | 0% |
| Monthly fee | none | none |
| Cashback | 1.5% in USD | none |
| Regions | GLOBAL, US, EEA | GLOBAL |
Pick KAST if
- Higher documented cashback (1.5% vs 0)
- 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 top-up support
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.
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.