KAST vs Ethena Pay
KAST scores 11/16, Ethena Pay scores 10/16 on the CBL Card Score. Here is every criterion side by side.
 KAST |  Ethena Pay | |
|---|---|---|
| Custody | 0 of 2 | 2 of 2 |
| Issuer and licence | 1 of 2 | 1 of 2 |
| Availability | 2 of 2 | 0 of 2 |
| FX fee on a foreign-currency purchase | 1 of 2 | 1 of 2 |
| Funding cost | 1 of 2 | 1 of 2 |
| Apple Pay and Google Pay | 2 of 2 | 1 of 2 |
| Freeze and dispute policy | 2 of 2 | 2 of 2 |
| Yield on idle balance | 2 of 2 | 2 of 2 |
| Total | 11 | 10 |
The short verdict: KAST leads overall (11 to 10). Custodial, no segregation duty stated, 0.5% to 1.75%, by country FX. Health: Watch. Check each profile for what still needs confirming before deciding.
Cashback, as of 20 Oct 2026
| KAST | Standard 1.5%, Premium 2%, Private 3%, paid in USD (official). Monthly caps reported at $2,000, $10,000 and $40,000 (third-party); the official fee article says only that rewards are subject to monthly caps. |
| Ethena Pay | Paid in AVAX once daily after settlement, by monthly spend band. Standard 4% on the first $2,500, 1% to $4,000, nothing above. Pro 4.5% on the first $8,000, 2% to $10,000, 1% to $12,000, 0.5% above. VIP 5% on the first $20,000, 2% to $30,000, 1% to $40,000, 0.5% above. Minimum qualifying transaction $1; reversed on refunds or chargebacks (official, pricing page, updated 30 Sep 2026; FAQ). |
Cashback is shown as a dated fact and never scored.