Image: KAST
Image: Solid (Fuse)KAST vs Solid
Quick answer
Solid pays more cashback (3% versus 1.5% on the free tiers) and keeps your money in self-custody, but it's virtual only and caps rewards at $50 a month. KAST is a fuller account: US and EU bank details, payouts to dozens of local currencies, a physical card and ATM access, with 0% FX on 16 Latin American currencies until the end of 2027.
KAST and Solid compared
| KAST | Solid | |
|---|---|---|
| Our score | 7.6/10 | 7.9/10 |
| Best for | Freelancers and remote workers who get paid in dollars or stablecoins and want bank rails plus a card in one app. | Stablecoin savers who want high cashback on everyday spending and yield on what they don't spend. |
| Cashback | 1.5% to 3% back in USD | 3% to 5% in USDC |
| Card cost | First two virtual cards free, then $2 each (some regions charge $2 even for the included cards). Standard physical card: no card fee, $40 delivery. | Free |
| Annual fee | Standard free. Premium $1,000 a year. Private $10,000 a year. | Core free. Prime $199 a year or a 12-month lock of 70,000 FUSE. Ultra needs a 12-month lock of 600,000 FUSE. |
| FX | 0.5% to 1.75% on non-USD purchases, depending on your country of residence. 0% on purchases in 16 Latin American currencies until 31 December 2027. | 1.5% on non-USD purchases at every tier (1% card provider plus 0.5% Solid), built into the rate. Cross-border fees are covered by Solid. |
| Conversion | 0% top-up and card spend fee on stablecoins | None. Top-ups and USD spending are free. |
| ATM | $3 plus 2% per withdrawal (plus the FX fee on non-USD cash). Up to $500 per withdrawal, 3 withdrawals or $1,500 per 24 hours. | Not available |
| Custody | App account (KAST holds the balance, not a self-custody wallet) | Self-custody smart wallet. Card spending runs through the issuer partner. |
| Network | Visa (Platinum on Standard, Infinite on paid tiers) | Visa |
| Top up with | Stablecoins: USDT, USDC, PYUSD and RLUSD across 10+ chains; 25+ other coins including BTC, ETH and PENGU; US account details for ACH and wire; EU IBAN for SEPA transfers | USDC or USDT to your Solid wallet on Fuse, Ethereum, Base and other listed networks; EURC on Base for the euro balance on Wirex cards; ACH or wire into a USD virtual account where eligible |
| Withdraw by | Transfer to an external bank account; Send dollars, local currency or crypto to people in supported payout countries; Send crypto onchain; ATM cash withdrawals | Move funds back to your wallet and send USDC on supported networks |
| Where it works | KAST says the card works in 170+ countries and at 150M+ merchants. Account availability depends on where you live and on regulatory approval. | 105 countries, including more than 30 US states. KYC approval and local restrictions apply. |
| Last checked | 17 October 2026 | 17 October 2026 |
Which one should you pick?
Choose Solid for cashback on everyday online and phone payments. Choose KAST if you get paid from abroad, need bank transfers in and out, want a physical card, or live in Latin America where its FX waiver makes it one of the cheapest cards to use.
Frequently asked questions
Which is cheaper abroad, KAST or Solid?
On the entry tier, Solid has the lower FX markup. KAST: 0.5% to 1.75% on non-USD purchases, depending on your country of residence. 0% on purchases in 16 Latin American currencies until 31 December 2027.. Solid: 1.5% on non-USD purchases at every tier (1% card provider plus 0.5% Solid), built into the rate. Cross-border fees are covered by Solid..
Which pays more cashback, KAST or Solid?
Solid has the higher top rate. KAST: 1.5% to 3% back in USD. Solid: 3% to 5% in USDC. Check caps and requirements on each review.
Are KAST and Solid self-custody?
KAST: App account (KAST holds the balance, not a self-custody wallet). Solid: Self-custody smart wallet. Card spending runs through the issuer partner..