KAST vs Wirex
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 5.4/10). The right pick still depends on your priority - see the flow comparison below.
 KAST |  Wirex | |
|---|---|---|
| Overall score | 7.2 | 5.4 |
| 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% | 0% |
| Monthly fee | none | none |
| Cashback | 1.5% in USD | 8% in USD |
| Regions | GLOBAL, US, EEA | GLOBAL, EEA, UK, APAC, LATAM |
Pick KAST if
- you accept Full KYC KYC and its fee stack - and nothing else on this page outweighs it
Pick Wirex if
- Known fee stack (2.0 vs 0.0 % equivalents on a $500/mo profile)
- Higher documented cashback (8% vs 1.5)
- Wider documented availability
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.
Wirex
The veteran (2014) reinvented as a stablecoin bank: fee-free FX worldwide, multi-currency accounts with 1:1 stablecoin conversion, real Visa/Mastercard principal memberships and an 8% headline cashback. Fee details hide in the help hub, and the El Salvador licensing move makes the regulatory story newer than its brand.