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KAST vs Solayer Pay

KAST

Crypto native

6.0
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Solayer Pay

Crypto native

6.2
Get the card

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:

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 CashSolayer Pay vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionKASTSolayer Pay
Fees9983
Cashback & rewards35–
Availability–50
FX & international3040
Product features7070
Custody & security6080
Credit & financing7030
Limits & ATM33–
Transparency86100
Best for Cashback5.2n/a
Best for Travel5.05.6
Best for Self-Custodyn/a7.2
Best for DeFi Users6.36.5
Best for Stablecoins6.36.8
Best for High Spenders5.25.5
Best for Low Fees7.07.0
Best for Beginners7.27.5
Best Crypto Credit Card7.0n/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)

No data yet

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

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

1.5%Conditions apply: tap or hover for detailsShow source

Plus $0.10 per international transaction

Top-up fee

No data yet
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

No data yet

Settlement fee

No data yet
$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

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
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

No data yet

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

No data yet

Cashback paid in

USDShow source
No data yet

Cashback type

No data yet
PointsShow source

Interest on balance

No data yet
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

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
Every transaction earns Solayer Card Points (Season 2), which unlock future $LAYER token rewards, partner airdrops and exclusive perks, and access to beta tests, merch and VIP events · Referrers earn 10% of their referrals' points, indefinitelyConditions apply: tap or hover for detailsShow source

Season 2 of the Points Program; partner campaigns (Sonic, OpenEden, Solana ID and more) offer extra perks and rewards

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

NoShow source

Spend own balance directly

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

Spends USDC balance directly, no pre-conversion

Availability

Available in

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

Except the excluded countries and 17 US states

Not available in

No data yet
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

USDCShow source

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
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

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

More KAST comparisons

More Solayer Pay comparisons