KAST vs OKX Card: Global Rails vs Low-Fee Spending
KAST is a custodial stablecoin account offering virtual and physical Visa cards, operating across more than 170 countries. OKX Card is a custodial Mastercard debit card issued through OKX Europe Limited, serving cardholders in the European Economic Area alongside selected markets in Africa and South Asia.
The main split lies in account functionality, regional availability, and pricing. KAST functions like a multichain neo-banking hub, supplying dedicated US account numbers and EU IBANs to receive ACH and SEPA transfers alongside deposits in USDT, USDC, and 25 other tokens. OKX Card links directly to an OKX exchange balance, supporting direct payments in USDT, USDC, and USDG without separate top-ups.
Fee schedules also diverge. OKX Card charges 0% on foreign exchange and transactions, taking a 0.1% market spread on conversions while returning 2% to 10% cashback in USDG. KAST charges no annual fee on its Standard tier, but caps base rewards at 1.5% and prices upper tiers at $1,000 and $10,000 each year.
Quick verdict
The choice between these cards comes down to international banking features versus lower exchange fees. KAST provides payment infrastructure with local bank account details across global jurisdictions, while OKX Card optimizes payment costs inside a regulated European exchange framework.
Choose KAST if you need global reach across 170 countries, personal US account details for ACH, or an EU IBAN for SEPA transfers. It works well for remote contractors and international spenders who hold stablecoins across multiple blockchains and want Apple Pay or Google Pay support, provided they do not require high cashback without paying for premium memberships.
Choose OKX Card if you live in the EEA, already keep assets on OKX, and want to minimize checkout costs. Its structure eliminates foreign-exchange fees, charges a predictable 0.1% spread on conversions, and pays up to 10% back in USDG for active exchange accounts without charging thousand-dollar tier subscriptions.
| Feature | ||
|---|---|---|
| Ratings | ||
| Our score | 3.7/5 | 3.7/5 |
| User rating | No reviews yet | No reviews yet |
| Fees | 2.5 | 4.5 |
| Rewards & cashback | 4.0 | 4.0 |
| Availability | 4.5 | 3.0 |
| App & experience | 4.0 | 3.5 |
| Trust & security | 3.5 | 3.5 |
| Fees & features | ||
| Card type | Prepaid | Debit |
| Card network | Visa | Mastercard |
| Card format | Virtual, Physical | Not disclosed |
| Custody | Custodial | Custodial |
| KYC required | Yes | Not disclosed |
| Business card | Yes | Not disclosed |
| Max cashback | 3% | 10% |
| Rewards paid in | USD stablecoins | USDG |
| Staking needed for top rewards | No | No |
| Card issuance fee | Free | Not disclosed |
| Monthly fee | Free | Not disclosed |
| Annual fee | Free | Not disclosed |
| Foreign exchange fee | Not disclosed | 0% |
| Crypto conversion spread | Not disclosed | 0.1% |
| Daily spending limit | Wallet balance | Not disclosed |
| Available in | Global | Europe (EEA) |
| Spendable assets | USDT, USDC, PENGU, 25+ other coins | USDT, USDC, USDG |
| Top-up networks | 10+ supported chains | Not disclosed |
| Card currencies | 30+ currencies | Not disclosed |
| Spend stablecoins | Yes | Yes |
| Apple Pay | Yes | Not disclosed |
| Google Pay | Yes | Not disclosed |
| Good for | Everyday spending, Travel, Online shopping, Subscriptions & AI tools, Advertising, Business expenses | Everyday spending, Travel, Online shopping, Subscriptions & AI tools |
| Perks | KAST Points, US account number, EU IBAN, ACH receipts, SEPA receipts, Wire transfers, KAST Reserve | 2% to 10% cashback on eligible purchases, No transaction fees, No foreign exchange fees |
| Card issuer | Not disclosed | OKX Europe Limited |
| Company | ||
| Founded | 2024 | — |
| Headquarters | Cayman Islands | Malta |
| Investors | Left Lane Capital, QED Investors, Hong Shan, Peak XV Partners +1 | Not disclosed |
| Strengths and weaknesses | ||
| Pros |
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| Cons |
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| Best for | Freelancers receiving international payments, Global workers spending stablecoins, Stablecoin-funded business expenses | EEA residents spending stablecoins, Mastercard in-store payments, Users already holding funds on OKX |
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.
FAQ
Which card has lower transaction fees?
OKX Card has lower transaction fees, charging 0% on purchases and foreign exchange with a 0.1% conversion spread. KAST does not charge annual fees on its standard card, but its higher reward tiers cost between $1,000 and $10,000 annually.
What is the main difference in availability between KAST and OKX Card?
KAST is available globally across more than 170 countries, whereas OKX Card is primarily limited to eligible residents in the European Economic Area and selected regional markets. KAST also provides dedicated US account numbers and EU IBANs that OKX Card lacks.
How do the cashback rewards compare?
OKX Card pays between 2% and 10% cashback in USDG depending on exchange VIP tiers. KAST pays 1.5% cashback in USD stablecoins on its free Standard tier, rising up to 3% on its Private tier.
Do KAST and OKX Card offer self-custody?
Neither card offers self-custody. Both KAST and OKX Card use custodial account setups where funds remain under company and partner custody until spent.