KAST vs Vivid Money
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 4.7/10). The right pick still depends on your priority - see the flow comparison below.
 KAST |  Vivid Money | |
|---|---|---|
| Overall score | 7.2 | 4.7 |
| BTC load | BTC via in-app conversion | BTC via in-app conversion |
| BTC sale timing | Not documented | Not documented |
| KYC | Full KYC | Full KYC |
| Custody | Custodial | Custodial |
| Top-up fee | 0% | 0% |
| FX fee | 2% | 1% |
| Monthly fee | none | none |
| Cashback | 1.5% in USD | 4% |
| Regions | GLOBAL, US, EEA | EEA |
Pick KAST if
- Wider documented availability
Pick Vivid Money if
- Known fee stack (2.0 vs 1.0 % equivalents on a $500/mo profile)
- Higher documented cashback (4% vs 1.5)
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.
Vivid Money
Vivid's consumer crypto card is alive and regulated: free-first physical Visa, 300+ coins from EUR 1 under a Dutch AFM MiCAR CASP licence (custody via Copper), 2% default crypto trading fee and plan-capped cashback. The B2B pivot is real but the personal product demonstrably operates - with a documented 2026 freeze/support complaint pattern typical of partner-rail neobanks.