Gnosis Pay vs KAST

How Gnosis Pay vs KAST compare on our ratings, crypto card specs, funding, pros and cons.

VS
KAST3.7/5
Feature
Ratings
Our score2.5/53.7/5
User ratingNo reviews yetNo reviews yet
Fees4.52.5
Rewards & cashback1.04.0
Availability1.54.5
App & experience3.04.0
Trust & security2.53.5
Fees & features
Card typeDebitPrepaid
Card networkVisaVisa
Card formatVirtual, PhysicalVirtual, Physical
CustodySelf-custodialCustodial
KYC required Yes Yes
Business cardNot disclosed Yes
Max cashbackNot disclosed3%
Rewards paid inNot disclosedUSD stablecoins
Staking needed for top rewardsNot disclosed No
Card issuance feeFreeFree
Monthly feeNot disclosedFree
Annual feeFreeFree
Foreign exchange fee0%Not disclosed
ATM withdrawalsConsumer card: up to 5 free withdrawals or 200 EURe/GBPe/USDCe per month, whichever comes first; 2% per additional withdrawal.Not disclosed
Daily spending limitNot disclosedWallet balance
Available inEurope (EEA)Global
Spendable assetsEURe, GBPe, USDC, USDCe, USDTUSDT, USDC, PENGU, 25+ other coins
Top-up networksCelo, Gnosis Chain10+ supported chains
Card currenciesNot disclosed30+ currencies
Spend stablecoins Yes Yes
Apple Pay Yes Yes
Google Pay Yes Yes
Good forNot disclosedEveryday spending, Travel, Online shopping, Subscriptions & AI tools, Advertising, Business expenses
PerksSponsored blockchain gas for consumer card purchases, Free consumer card deliveryKAST Points, US account number, EU IBAN, ACH receipts, SEPA receipts, Wire transfers, KAST Reserve
Card issuerMonavate LimitedNot disclosed
Company
Founded20232024
HeadquartersGermanyCayman Islands
InvestorsNot disclosedLeft Lane Capital, QED Investors, Hong Shan, Peak XV Partners +1
Strengths and weaknesses
Pros
  • Spends EURe, GBPe and USDC directly from a self-custodial Safe account
  • Supports Apple Pay and Google Pay
  • Consumer card charges 0% FX markup, with Visa exchange rates applied
  • Blockchain gas for consumer card purchases is sponsored
  • Visa acceptance at 150M+ merchants in 170+ countries
  • US account number and EU IBAN support ACH and SEPA payments
  • Supports USDT and USDC across 10+ chains
  • Standard membership has no annual fee
Cons
  • Direct consumer card and web app close December 20, 2026
  • Legacy GNO cashback program ended September 30, 2026
  • June 1, 2026 module exploit affected card Safes; affected funds were restored in July
  • Registration requires Sumsub identity verification and residence eligibility checks
  • Custodial account structure creates reliance on KAST and its regulated partners
  • Premium costs $1,000 yearly and Private costs $10,000 yearly
  • Reserve rates are introductory and the offer ends 1 July 2027
  • Cashback is subject to merchant-category restrictions
Best forWallets launching branded Visa cards, Fintechs integrating self-custodial stablecoin payments, Existing cardholders spending before closureFreelancers receiving international payments, Global workers spending stablecoins, Stablecoin-funded business expenses

Highlighted cells show the stronger value in each row. Data comes from each provider's site and public sources; check details before you sign up.

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