Standard physical
Credit · VisaApplication regions supported in the app
Fees and rewards
- Issuance
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Physical card $0 plus $40 delivery
Standard plastic edition; confirm shipping country, timeline and charges at checkout, not a metal or higher-tier membership.
- Ongoing fees
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Standard annual fee $0
Insufficient-balance declines cost $0.50; small non-USD purchases, FX and ATM fees are separate.
Sources · 1
concierge.kast.xyz - Foreign currency
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USD spend 0%; non-USD FX 0.5%–1.75%
Rate varies by residence, transaction country and program. Non-USD purchases below $25 add $0.10.
Sources · 1
concierge.kast.xyz - Rewards & conditions
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Standard 1.5%, at most $30/month
Only the first $2,000 eligible monthly purchases earn USD cashback; no Standard spending points. ATM excluded; regional and transaction exclusions apply.
- Funding / conversion
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Supported stablecoin deposits: no receiving fee, 1:1 USD credit
Sender network fees remain; non-stablecoin conversion varies by token. Bank deposits: ACH $2, FedWire $15, SWIFT $30; EUR SEPA 0.5%.
Sources · 1
concierge.kast.xyz - ATM withdrawals
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Yes： Yes ATM $3 + 2% per withdrawal
Non-USD adds 0.5%–1.75% FX and operator fees. Up to $250 including fees each, 3 withdrawals/$750 per rolling 24 hours.
Spending and limits
- Card format
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Standard plastic Visa credit card with virtual companion
The credit line is secured by deposited assets and transactions settle from the KAST balance; this is not unsecured overdraft credit. Select Credit at checkout. Activate the physical card after delivery.
- Apple Pay
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Limited Apple Pay subject to registered residence
Uses residence verified with KAST, not device region or travel location; wallet support does not establish card eligibility.
Sources · 1
concierge.kast.xyz - Google Pay
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Yes Google Pay supported
Requires a supported region/device; obtain card details in the app and complete wallet verification.
Sources · 1
concierge.kast.xyz - Assets and funding
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App → Receive → choose token/network → fund displayed address
Supports USDT, USDC, PYUSD and RLUSD, plus automatically converted assets such as BTC, ETH and SOL. Receiving and sending networks differ: USDC can be received on Base, but the published send list is Solana, Ethereum and Arbitrum. Check Receive / Pay for each transfer; do not assume deposit networks support withdrawals.
Sources · 1
concierge.kast.xyz - Spending and withdrawal limits
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No uniform daily/monthly spend cap; ATM up to $250 including fees
Balance, merchant and review restrictions apply. ATM: at most 3 withdrawals/$750 in rolling 24 hours. App menu → Limits controls personal limits; no preset cap does not bypass risk checks.
Application and account
- Residence / identity
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Legal age and KAST identity/region approval required
An unlisted country in signup is unavailable; restricted nationality, residence or location can disqualify. Apple Pay and merchant-country lists are not application whitelists.
- Application and activation
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KYC → Standard K → Physical and virtual → address/$40 delivery → activate on arrival
Virtual companion arrives first; shipping time varies. On delivery select card → More → Activate Physical Card.
- Custody
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Transferred assets belong to KAST; USD ledger represents a claim on it
Not an independently controlled wallet or insured bank deposit; unspent value can be withdrawn under the service rules.
Sources · 1
www.kast.xyz - Refunds, repayment and card controls
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Merchant refunds return to KAST balance, usually in a few business days
Timing depends on merchant. Raise disputes within 90 days; handling fees may apply. Unspent funds can be withdrawn: stablecoin minimum $5, network fee plus 0.1% (e.g. Solana $1, Arbitrum $0.20); bank payouts quoted separately.
