KAST vs Payy Card
On cashback KAST wins (up to 3%, but the full rate requires Nessuno); for spending abroad FX markup matters, and KAST does better (0.5% vs 1%). The structural difference is custody: Payy Card leaves you the keys, while KAST holds funds on the platform. In our editorial rating Payy Card leads (4.9 vs 3.2). The choice depends on your real spending profile: redo the math with your volumes before picking between KAST and Payy Card.
| KAST | Payy Card | |
|---|---|---|
| Tier | C | S |
| Rating | ★ 3.2 | ★ 4.9 |
| Estimated net annual cost | €0 | €0 |
| Network | Visa | Visa |
| Fund custody | Custodial (platform holds funds) | Self-custody (funds in your control) |
| Issuance fee | Free | Free |
| Annual fee | Free | Free |
| Free ATM limit | $1.000/anno (Standard) | Not disclosed |
| ATM withdrawal | 2% | Free |
| FX markup | 0.5% | 1% |
| Cashback | 3% in USD + KAST Points · Nessuno | Not disclosed |
| Chains | Solana, Ethereum, Polygon, Arbitrum | — |
| On-chain settlement | No | Yes |
| Contactless | Yes | Yes |
| Virtual card | Yes | Yes |
| KYC | Full | Full |
| Privacy | 4/10 | 9/10 |
| Supported countries | US, EEA, APAC, LATAM, MENA, AFRICA · 170+ countries | US, EEA, APAC, LATAM · 100+ countries |
| Regulator | Local EU regulator; Hong Kong SFC (pending) | Not disclosed |
| OAM Italy registration | No | — |
| Segment | B2C | B2C |
| Regions | US, EU/EEA, APAC, LATAM, MENA, Africa | US, EU/EEA, APAC, LATAM |
| Licences & safety | VASP (Europe); MSB (partner) | MSB (presumed) |
Frequently asked questions
KAST vs Payy Card: which is better?
On cashback KAST wins (up to 3%, but the full rate requires Nessuno); for spending abroad FX markup matters, and KAST does better (0.5% vs 1%). The structural difference is custody: Payy Card leaves you the keys, while KAST holds funds on the platform. In our editorial rating Payy Card leads (4.9 vs 3.2). The choice depends on your real spending profile: redo the math with your volumes before picking between KAST and Payy Card.
Which is cheaper, KAST or Payy Card?
On the standard spending profile KAST has the lowest net annual cost: €0 versus €0 for Payy Card.
Which offers more cashback, KAST or Payy Card?
KAST has the highest cashback: up to 3%. Note the top rate often requires token staking and is subject to spending caps.
Is KAST custodial or self-custody?
KAST is custodial: funds are held by the platform, while Payy Card is self-custody.
Which is better for spending abroad?
For foreign-currency spending KAST wins, with the lowest FX markup: 0.5%.