KAST

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KAST scores 11 of 16 on the CBL Card Score. KAST, Visa. Custodial, no segregation duty stated. Third National, money transmitter, named in the cardholder agreement.

Health Check · checked 28 September 2026

Watch. Not a bank. Custodial USD balance: the terms say the account is not insured and partners have no duty to segregate funds. Issuer is a US money transmitter. High introductory yield.

CBL Card Score: 11 of 16

Criterion	Points	What we found	Source
Custody	0 of 2	Custodial. Stablecoins convert 1:1 into a USD balance held with KAST's partners. The Terms and Conditions of Service say the account is not covered by insurance against losses and that the partners have no contractual duty to keep the funds segregated from KAST's other accounts; the USD Reserve Account terms say reserve funds sit under no deposit guarantee scheme (official). The US cardholder agreement describes a credit card whose collateral stays in the user's own smart contract (official).	official checked 28 September 2026
Issuer and licence	1 of 2	The US and non-US cardholder agreements (20 March 2025) and the GLBA notice name Third National as the issuer under a licence from Visa (official). Third National is the trading name of Nimbus LLC, a US money transmitter (official, Rain privacy policy). Lead Bank is named for banking only by third parties (cryptoslate).	official checked 28 September 2026
Availability	2 of 2	170+ countries (official), but KAST publishes no country list; the help centre says eligibility shows in the sign-up dropdown. UAE confirmed by KAST's own UAE-only promotion and its AED payout page (official). UK and EU service and the 49 restricted markets reported by third parties are not confirmed on an official page.	third-party checked 28 September 2026
FX fee on a foreign-currency purchase	1 of 2	0.5% to 1.75% on non-USD purchases, the same range on every tier, depending on country of residence, where the purchase happens and the card programme (official, fee article of 1 Sept 2026). The non-US cardholder agreement caps it at 2%. Scored at 1 because the range straddles the 1.5% line; see the verify list.	official checked 28 September 2026
Funding cost	1 of 2	Stablecoin deposit 0%. Fiat: $2 by ACH, $15 by FedWire, $30 by SWIFT, 0.5% by SEPA. Non-USD purchases under $25 carry a $0.10 fee. Standard physical card $0 plus a $40 delivery fee; additional virtual cards $2, and a $2 issuance fee in some regions (official). The $1 inactivity fee reported by third parties is not on the official fee page.	official checked 28 September 2026
Apple Pay and Google Pay	2 of 2	Apple Wallet and Google Wallet (official).	official checked 28 September 2026
Freeze and dispute policy	2 of 2	Freeze and unfreeze in the app are instant; a card frozen by KAST for compliance reasons cannot be unfrozen by the user (official). Chargebacks: contact support within 50 days of the transaction, $30 processing fee, merchant response in 15 to 30 business days, review up to 90 days (official, help centre). The cardholder agreements say 60 days to report a disputed charge and the Terms of Service say 90; the help centre figure is the shortest.	official checked 28 September 2026
Yield on idle balance	2 of 2	USD Reserve Account: no lock-up, $2 minimum to transfer in or out, withdrawals not guaranteed to be instant (official, terms of 20 Aug 2026). Promotional rates of 8% Standard, 10% Premium and 12% Private; the terms and the launch post end the promotion on 31 December 2026 or when reserves reach $100 million, while the membership page says 1 July 2027. Fallback rates 4% to 8%. The reward is not interest, per the terms.	official checked 28 September 2026

Total 11 of 16. Official means the company's own site, terms or help centre. Third-party means a named review site with its own check date; a third-party fact is reported, not verified, and the score stands until an official source confirms or contradicts it.

Score history

28 September 2026	11 of 16	Custody 1 to 0: KAST's Terms of Service say the account is not insured and partners have no duty to segregate funds. Freeze and dispute 0 to 2: instant in-app freeze and a chargeback policy with a 50-day window and up to 90 days review, from the help centre. Yield 1 to 2: the USD Reserve Account terms state no lock-up and a $2 minimum. Issuer, fx, funding and ATM move from third-party to official sources with no score change.
23 September 2026	9 of 16	First score

Standing

Company	KAST. Its Terms of Service name KAST Tech (Anjouan, Comoros); the cardholder agreements name Troia Corp; the app stores list Troia Limited, Hong Kong. The site calls it a technology company, not a bank.
Network	Visa official
Rails	Third National issues the card. Signify Holdings, Inc., operating as Rain, is named as programme manager for internationally issued cards (official, KAST Brazil Terms and Conditions of Service, effective 17 Sept 2026). KAST's business card terms, US and international, name Third National as issuer and refer to Rain's prohibitions list (official, 4 Aug 2026). The US and non-US consumer cardholder agreements name Third National only. Third National is the trading name of Nimbus LLC, which Rain's privacy policy lists among the affiliates of Signify Holdings, Inc., the company operating as Rain (official, Rain privacy policy, 16 July 2026). Nimbus LLC is licensed as a money transmitter by the Commissioner of Financial Institutions of Puerto Rico, NMLS 2612780 (official, Third National site, checked 30 Sept 2026).
Card spend, August 2026	$104.8M, tracked onchain by Paymentscan (third-party). Not part of the Card Score. Counts settlements through Rain only.
Website	www.kast.xyz
Health tag	Watch Not a bank. Custodial USD balance: the terms say the account is not insured and partners have no duty to segregate funds. Issuer is a US money transmitter. High introductory yield.
Last checked	28 September 2026

When it goes wrong

Freeze and unfreeze in the app are instant; a card frozen by KAST for compliance reasons cannot be unfrozen by the user (official). Chargebacks: contact support within 50 days of the transaction, $30 processing fee, merchant response in 15 to 30 business days, review up to 90 days (official, help centre). The cardholder agreements say 60 days to report a disputed charge and the Terms of Service say 90; the help centre figure is the shortest.

The dispute route, in order: the company's own support desk, then the card network's chargeback rules, then the regulator of the issuer where one is named. A frozen card is a question, not a verdict: the Frozen Account Survival Kit applies to cards too.

Costs

FX	0.5% to 1.75% on non-USD purchases, the same range on every tier, depending on country of residence, where the purchase happens and the card programme (official, fee article of 1 Sept 2026). The non-US cardholder agreement caps it at 2%. Scored at 1 because the range straddles the 1.5% line; see the verify list. official
Funding	Stablecoin deposit 0%. Fiat: $2 by ACH, $15 by FedWire, $30 by SWIFT, 0.5% by SEPA. Non-USD purchases under $25 carry a $0.10 fee. Standard physical card $0 plus a $40 delivery fee; additional virtual cards $2, and a $2 issuance fee in some regions (official). The $1 inactivity fee reported by third parties is not on the official fee page. official
ATM	$3 plus 2% per withdrawal; up to $250 per withdrawal, three withdrawals or $750 per 24 hours (official).
Tiers	Standard free. Premium $1,000 a year. Private $10,000 a year (official).

Cashback, as of 28 Sept 2026

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.

Cashback is a dated fact, not part of the Card Score. Promo rates change too often to score.

Availability

170+ countries (official), but KAST publishes no country list; the help centre says eligibility shows in the sign-up dropdown. UAE confirmed by KAST's own UAE-only promotion and its AED payout page (official). UK and EU service and the 49 restricted markets reported by third parties are not confirmed on an official page. third-party

Identity checks: Identity verification required.

What we still need confirmed

Facts marked official come from KAST's own pages or terms. Facts marked third-party are reported by a named review site and count as reported, not verified. These items are open for the next Monday sweep:

Which FX rate in the 0.5% to 1.75% range applies to EU, UK and UAE residents (rescore fx to 0 if above 1.5%) open
A published country list confirming the UK and EU states open
Lead Bank as the fiat account bank on a KAST page open
Cashback monthly caps on an official page open
Which Reserve promotional end date is current: 31 December 2026 in the terms or 1 July 2027 on the membership page open
custody: the Brazil terms name BitGo Bank & Trust N.A. and Fireblocks UK as custodians; confirm for the consumer card outside Brazil. No KAST document names Lead Bank as of 28 Sept 2026. open

Sources

Paymentscan, KAST card page third-party · checked 29 September 2026

CBL may earn a referral fee if you sign up through a link on this page. Referral links never change the Card Score.

See a mistake? Email hi@cryptobanklist.com. Every factual correction is logged on our corrections page.

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