KAST vs Solayer Pay
Crypto native
Crypto native
Verdict
- Solayer Pay scores higher overall (6.2 vs 6.0 out of 10).
- KAST is clearly stronger on: Fees, Credit & financing.
- Solayer Pay is clearly stronger on: FX & international, Custody & security, Transparency.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
KAST is a good fit for
- Stablecoin holders
- Users who need credit rather than a debit/prepaid card
Stronger on: Fees, Credit & financing
Solayer Pay is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
Stronger on: FX & international, Custody & security, Transparency
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
Score by criterion
| Criterion | KAST | Solayer Pay |
|---|---|---|
| Fees | 99 | 83 |
| Cashback & rewards | 35 | – |
| Availability | – | 50 |
| FX & international | 30 | 40 |
| Product features | 70 | 70 |
| Custody & security | 60 | 80 |
| Credit & financing | 70 | 30 |
| Limits & ATM | 33 | – |
| Transparency | 86 | 100 |
| Best for Cashback | 5.2 | n/a |
| Best for Travel | 5.0 | 5.6 |
| Best for Self-Custody | n/a | 7.2 |
| Best for DeFi Users | 6.3 | 6.5 |
| Best for Stablecoins | 6.3 | 6.8 |
| Best for High Spenders | 5.2 | 5.5 |
| Best for Low Fees | 7.0 | 7.0 |
| Best for Beginners | 7.2 | 7.5 |
| Best Crypto Credit Card | 7.0 | n/a |
Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.
Product
Product status
ActiveShow source
ActiveShow source
Card type
Stablecoin cardShow source
Stablecoin cardShow source
Network
VisaShow source
VisaShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
Deposited assets are sold to KAST and held by a custodian on behalf of KAST, not the user
Self-custodyShow source
Tiers / plans
Standard · Premium · PrivateConditions apply: tap or hover for detailsShow source
Account-level memberships replacing card tiers (announced May 5, 2026)
Fees
Annual fee
FreeConditions apply: tap or hover for detailsShow source
Standard membership; Premium $1,000/yr, Private $10,000/yr
$20/yearConditions apply: tap or hover for detailsShow source
Membership; covers the virtual card for 12 months
Physical card fee
$40Conditions apply: tap or hover for detailsShow source
Delivery fee; the Standard physical card itself is free
FreeConditions apply: tap or hover for detailsShow source
Card free; shipping $24.99 (US Express) or $59.99 (International Express)
Virtual card fee
$2Conditions apply: tap or hover for detailsShow source
Certain markets only, Standard tier
FX fee
1.75%Conditions apply: tap or hover for detailsShow source
Up to; 0.5%–1.75% on non-USD card spend depending on membership
1.5%Conditions apply: tap or hover for detailsShow source
Plus $0.10 per international transaction
Top-up fee
1%Show source
ATM fee
$3 + 2%Conditions apply: tap or hover for detailsShow source
Plus FX fee on non-USD ATMs; operators may add charges
Settlement fee
$0.15Conditions apply: tap or hover for detailsShow source
Per USD transaction
Small transaction fee
$0.10Conditions apply: tap or hover for detailsShow source
Non-USD transactions under $25
Other fees & markups
Monthly inactivity fee of $1 on dormant accounts (12 months without transaction activity) · Possible reactivation fee after 6 months of inactivity · Possible card renewal fee (specified in app) · Non-refundable chargeback/dispute processing feesShow source
Card deactivated after 6 months of inactivity; a new card must be issuedShow source
Cashback & rewards
Base cashback
1.5%Conditions apply: tap or hover for detailsShow source
Standard membership, first $2,000 of spend per month
Max cashback
3%Conditions apply: tap or hover for detailsShow source
Private membership ($10,000/yr), first $40,000 per month; plus 2% in KAST Points
Cashback paid in
USDShow source
Cashback type
PointsShow source
Interest on balance
5%Conditions apply: tap or hover for detailsShow source
4–5% on sUSD, a Treasury-backed stablecoin users can opt into
Cashback-eligible spend cap
$2,000/monthConditions apply: tap or hover for detailsShow source
Standard; Premium $10,000, Private $40,000 per month
Cashback conditions
Premium adds 1% and Private 2% in KAST Points on all spend · Subject to eligibility, caps and regional availabilityShow source
Every transaction earns Solayer Card Points (Season 2), for future LAYER token rewards and partner perks · Referrers earn 10% of their referrals' pointsShow source
Reward expiry / vesting
Accrued unused benefits/rewards are forfeited when the membership expires or is terminatedShow source
Reward exclusions
Some merchant categories excludedShow source
Credit & financing
Credit line
YesConditions apply: tap or hover for detailsShow source
Card described as a credit card secured by deposited virtual assets
NoShow source
Availability
Available in
GlobalConditions apply: tap or hover for detailsShow source
Except the excluded countries and 17 US states
Not available in
AF, AL, AD, Australia, Austria, BY, Belgium, BA, Bulgaria, BF, BI, KH, Canada, CF, CN, Croatia, CU, Cyprus, Czechia, CD, Denmark, ER, Estonia, Finland, France, GE, Germany, Greece, GN, GW, HT, Hungary, Iceland, India, Indonesia, IR, IQ, Ireland, Israel, Italy, JM, JO, XK, LA, Latvia, LB, LR, LY, Lithuania, Luxembourg, Malaysia, ML, Malta, MD, MC, ME, MA, MZ, MM, Netherlands, New Zealand, NI, Nigeria, KP, Norway, PS, Poland, Portugal, QA, Romania, RU, SM, RS, Slovakia, SO, South Africa, South Korea, Spain, SD, Sweden, Switzerland, SY, Thailand, Turkey, UG, Ukraine, United Arab Emirates, United Kingdom, VU, VE, EH, YE, PW, NP, VietnamConditions apply: tap or hover for detailsShow source
Residents or citizens, regardless of current residence
Features
Apple Pay
YesConditions apply: tap or hover for detailsShow source
Region-dependent
YesShow source
Google Pay
YesConditions apply: tap or hover for detailsShow source
Region-dependent
YesShow source
Physical card
YesShow source
YesShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow source
YesShow source
Spend stablecoins
YesShow source
YesShow source
Spendable assets
USDT · USDCConditions apply: tap or hover for detailsShow source
Acceptable Tokens for deposit
Blockchains
Ethereum · Solana · Polygon · Arbitrum · TRONConditions apply: tap or hover for detailsShow source
Deposit networks for USDT/USDC; list not exhaustive, varies by coin
Solayer ChainShow source
Limits
ATM limit
$750Conditions apply: tap or hover for detailsShow source
$250 per withdrawal incl. fees, max 3 withdrawals per rolling 24h
$250Conditions apply: tap or hover for detailsShow source
Per withdrawal, incl. ATM surcharges; at most three attempts per 24 hours
Security & custody
Deposit protection
NoShow source
Annual cost at 1,500 EUR/month
KAST
- Annual & monthly fees+0 EUR
- FX costs−63 EUR
- Crypto conversion–
- ATM costs−56 EUR
- Cashback+270 EUR
- Net annual value151 EUR
Solayer Pay
- Annual & monthly fees−18 EUR
- FX costs−54 EUR
- Crypto conversion–
- Per-transaction feesunknown
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers