Image: RedotPay
Image: KASTRedotPay vs KAST
Quick answer
Choose RedotPay if you need a card that works in almost any country and you want P2P funding with local payment methods. Choose KAST if you want 1.5% cashback, US account numbers and an EU IBAN, and you spend mostly in USD. KAST charges 0.5% to 1.75% on non-USD spending (0% on Latin American currencies until the end of 2027), while RedotPay charges 1.2% FX plus 1% conversion and $100 for a physical card.
RedotPay and KAST compared
| RedotPay | KAST | |
|---|---|---|
| Our score | 6.3/10 | 7.6/10 |
| Best for | People in countries that most crypto cards skip, and anyone who wants P2P funding with local payment methods. | Freelancers and remote workers who get paid in dollars or stablecoins and want bank rails plus a card in one app. |
| Cashback | None on standard. 3% on Apple Pay and Google Pay with Pro, capped at $18 a month | 1.5% to 3% back in USD |
| Card cost | Virtual card $10. Physical card $100. Standard delivery free, express courier priced by country. | 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. |
| Annual fee | None | Standard free. Premium $1,000 a year. Private $10,000 a year. |
| FX | 1.2% when you pay in a currency other than your card's default | 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. |
| Conversion | 1% when crypto is converted to spend | 0% top-up and card spend fee on stablecoins |
| ATM | 2% per withdrawal. On the USD card, 2% up to $10,000 a month, then 3%. | $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. |
| Custody | Custodial (funds sit in your RedotPay account) | App account (KAST holds the balance, not a self-custody wallet) |
| Network | Not named on RedotPay's card page | Visa (Platinum on Standard, Infinite on paid tiers) |
| Top up with | Crypto deposits including USDT, USDC, BTC, ETH, BNB, SOL, TRX, XRP and SUI on supported networks; Buy crypto with a bank card inside the app; P2P marketplace with local currencies and payment methods (selected regions) | 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 |
| Withdraw by | Send crypto to an external wallet or exchange; Sell stablecoins for local currency through P2P (selected regions); Free in-app transfers to other RedotPay users; ATM cash withdrawals with the card | Transfer to an external bank account; Send dollars, local currency or crypto to people in supported payout countries; Send crypto onchain; ATM cash withdrawals |
| Where it works | Very wide. Third-party trackers list RedotPay in around 200 countries and territories. P2P and Earn are only offered in selected regions. | KAST says the card works in 170+ countries and at 150M+ merchants. Account availability depends on where you live and on regulatory approval. |
| Last checked | 17 October 2026 | 17 October 2026 |
Which one should you pick?
These two cover a lot of the same people: crypto users in countries that bigger fintechs ignore. RedotPay wins on reach and funding flexibility. KAST wins on rewards and banking features. If you get paid in USD and spend online, KAST usually makes more sense. If you need cash from ATMs in a country where stablecoins are hard to buy, RedotPay's P2P market is a real advantage.
Frequently asked questions
Which is cheaper abroad, RedotPay or KAST?
On the entry tier, RedotPay has the lower FX markup. RedotPay: 1.2% when you pay in a currency other than your card's default. 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..
Which pays more cashback, RedotPay or KAST?
KAST has the higher top rate. RedotPay: None on standard. 3% on Apple Pay and Google Pay with Pro, capped at $18 a month. KAST: 1.5% to 3% back in USD. Check caps and requirements on each review.
Are RedotPay and KAST self-custody?
RedotPay: Custodial (funds sit in your RedotPay account). KAST: App account (KAST holds the balance, not a self-custody wallet).