KAST vs WaldenPay

KAST3.7/5

VS

WaldenPay2.8/5

Feature	KASTVisit	WaldenPayVisit
Ratings
Our score	3.7/5	2.8/5
User rating	No reviews yet	No reviews yet
Fees	2.5	2.5
Rewards & cashback	4.0	1.0
Availability	4.5	4.0
App & experience	4.0	3.5
Trust & security	3.5	3.0
Fees & features
Card type	Prepaid	Prepaid
Card network	Visa	Not disclosed
Card format	Virtual, Physical	Virtual
Custody	Custodial	Custodial
KYC required	Yes	No
Business card	Yes	Not disclosed
Max cashback	3%	Not disclosed
Rewards paid in	USD stablecoins	Not disclosed
Staking needed for top rewards	No	No
Card issuance fee	Free	$10
Monthly fee	Free	Free
Annual fee	Free	Free
Top-up fee	Not disclosed	3% - 5%
Daily spending limit	Wallet balance	Not disclosed
Available in	Global	Global
Spendable assets	USDT, USDC, PENGU, 25+ other coins	BTC, ETH, SOL, TRX, USDC, USDT, LTC
Top-up networks	10+ supported chains	Bitcoin, BNB Chain, Ethereum, Solana, TRON
Card currencies	30+ currencies	USD
Spend stablecoins	Yes	Yes
Apple Pay	Yes	Yes
Google Pay	Yes	Yes
Good for	Everyday spending, Travel, Online shopping, Subscriptions & AI tools, Advertising, Business expenses	Everyday spending, Online shopping, Advertising, Subscriptions & AI tools
Perks	KAST Points, US account number, EU IBAN, ACH receipts, SEPA receipts, Wire transfers, KAST Reserve	Telegram bot card management, Peer-to-peer Send to Friend transfers, Payment links and QR invoices
Virtual card fee	Not disclosed	$10
Company
Founded	2024	—
Headquarters	Cayman Islands	Netherlands
Investors	Left Lane Capital, QED Investors, Hong Shan, Peak XV Partners +1	Not disclosed
Strengths and weaknesses
Pros	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	Supports over 135 crypto assets across 35 blockchain networks Works with Apple Pay and Google Pay for in-store purchases No monthly maintenance or subscription fees Virtual card setup takes roughly 10 minutes
Cons	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	Base top-up fee starts at 5% for standard volumes $10 one-time setup fee for virtual card creation Requires a $50 minimum balance per top-up Custodial balance model carries platform counterparty risk
Best for	Freelancers receiving international payments, Global workers spending stablecoins, Stablecoin-funded business expenses	Contactless retail payments via mobile wallets, Digital ad spend and online subscriptions, Crypto-funded virtual card spending

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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