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KAST vs XPlace Card

KAST

Crypto native

6.0
Get the card
XPlace Card

Crypto native

6.6
Get the card

Verdict

  • XPlace Card scores higher overall (6.6 vs 6.0 out of 10).
  • XPlace Card is clearly stronger on: 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

XPlace Card is a good fit for

  • People who want to keep control of their keys
  • Stablecoin holders
  • Users who need credit rather than a debit/prepaid card

Stronger on: Custody & security, Transparency

★ Our pickEditorial choice · score unchanged · Affiliate link

Neither card is our pick. The card we recommend instead:

ether.fi Cash

Crypto native · ether.fi

8.1

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
Get the card
Review & sourcesKAST vs ether.fi CashXPlace Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionKASTXPlace Card
Fees99100
Cashback & rewards3536
Availability––
FX & international30–
Product features7070
Custody & security6080
Credit & financing7075
Limits & ATM33–
Transparency86100
Best for Cashback5.25.6
Best for Travel5.0n/a
Best for Self-Custodyn/a7.3
Best for DeFi Users6.37.2
Best for Stablecoins6.37.1
Best for High Spenders5.25.8
Best for Low Fees7.08.0
Best for Beginners7.27.7
Best Crypto Credit Card7.07.6

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
ActiveConditions apply: tap or hover for detailsShow source

Silver physical cards live; Gold and Platinum physical cards coming soon

Card type

Stablecoin cardShow source
Debit card, Crypto-backed creditShow 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

Card issuer / program manager

No data yet
Third National; programme managed by Signify Holdings, Inc. (Rain)Show source

Tiers / plans

Standard · Premium · PrivateConditions apply: tap or hover for detailsShow source

Account-level memberships replacing card tiers (announced May 5, 2026)

Basic (free) · Silver ($99/year) · Gold ($249/year) · Platinum ($999/year)Show source

Fees

Annual fee

FreeConditions apply: tap or hover for detailsShow source

Standard membership; Premium $1,000/yr, Private $10,000/yr

FreeConditions apply: tap or hover for detailsShow source

Basic plan; Silver $99, Gold $249, Platinum $999 a year

Physical card fee

$40Conditions apply: tap or hover for detailsShow source

Delivery fee; the Standard physical card itself is free

No data yet

Virtual card fee

$2Conditions apply: tap or hover for detailsShow source

Certain markets only, Standard tier

No data yet

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

No data yet

ATM fee

$3 + 2%Conditions apply: tap or hover for detailsShow source

Plus FX fee on non-USD ATMs; operators may add charges

No data yet

Small transaction fee

$0.10Conditions apply: tap or hover for detailsShow source

Non-USD transactions under $25

No data yet

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
No data yet

Cashback & rewards

Base cashback

1.5%Conditions apply: tap or hover for detailsShow source

Standard membership, first $2,000 of spend per month

0.5%Conditions apply: tap or hover for detailsShow source

Basic plan, Credit Mode

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

2%Conditions apply: tap or hover for detailsShow source

Platinum plan ($999/year), Credit Mode

Cashback paid in

USDShow source
USDCShow source

Cashback type

No data yet
StablecoinShow source

Interest on balance

No data yet
6.15%Conditions apply: tap or hover for detailsShow source

Variable vault APY via Kamino Finance (Solana vault; USDT 3.26%, BTC 5.43%)

Cashback-eligible spend cap

$2,000/monthConditions apply: tap or hover for detailsShow source

Standard; Premium $10,000, Private $40,000 per month

No data yet

Cashback conditions

Premium adds 1% and Private 2% in KAST Points on all spend · Subject to eligibility, caps and regional availabilityShow source
Rates apply to Credit Mode: Basic 0.5%, Silver 1%, Gold 1.5%, Platinum 2%Show source

Reward expiry / vesting

Accrued unused benefits/rewards are forfeited when the membership expires or is terminatedShow source
No data yet

Reward exclusions

Some merchant categories excludedShow source
No data yet

Credit & financing

Credit line

YesConditions apply: tap or hover for detailsShow source

Card described as a credit card secured by deposited virtual assets

YesShow source

Credit type

No data yet
Crypto-backed creditShow source

Collateral assets

No data yet
BTC · ETH · SOL · JitoSOL · USDT · Tokenized stocksShow source

Max loan-to-value

No data yet
80%Conditions apply: tap or hover for detailsShow source

Tether vault; SOL and BTC 65%, ETH 70%

Liquidation risk

No data yet
YesShow source

Spend own balance directly

No data yet
YesShow source

Spend by borrowing against collateral

No data yet
YesShow source

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
YesConditions apply: tap or hover for detailsShow source

Silver plan; Gold and Platinum coming soon

Virtual card

YesShow source
YesShow source

ATM withdrawals

YesShow source
No data yet

Spend stablecoins

YesShow source
YesShow source

Airport lounge access

No data yet
NoConditions apply: tap or hover for detailsShow source

Basic plan; Silver 1, Gold 4 visits a year, Platinum unlimited

Spendable assets

USDT · USDCConditions apply: tap or hover for detailsShow source

Acceptable Tokens for deposit

No data yet

Blockchains

Ethereum · Solana · Polygon · Arbitrum · TRONConditions apply: tap or hover for detailsShow source

Deposit networks for USDT/USDC; list not exhaustive, varies by coin

No data yet

Limits

ATM limit

$750Conditions apply: tap or hover for detailsShow source

$250 per withdrawal incl. fees, max 3 withdrawals per rolling 24h

No data yet

Spending limit

No data yet
$2,000Conditions apply: tap or hover for detailsShow source

Per month, Basic plan; up to $750,000 on Platinum

Security & custody

Deposit protection

NoShow source
No data yet

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

XPlace Card

  • Annual & monthly fees+0 EUR
  • FX costsunknown
  • Crypto conversion–
  • ATM costsunknown
  • Cashback+90 EUR
  • Net annual valuenot enough data

Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers

More KAST comparisons

More XPlace Card comparisons