RedotPay or KAST? Comparing Cards, Fees, and Rewards
With cryptocurrency, today’s finance teams have a faster and cheaper way to send funds to a faraway supplier or business partner. If you want to spend your tokens at local stores and vendors, on the other hand, these sorts of transfers won’t cut it. Instead, you’ll need a crypto card.
Crypto cards work through networks like Visa and Mastercard, meaning the merchant sees an ordinary card payment while the transaction happens on-chain behind the scenes. With millions of users each, RedotPay and KAST are two of the largest crypto card providers on the market. They each offer products tailored to businesses as well; RedotPay Connect gives merchants a way to accept stablecoin payments, while KAST Business offers accounts and cards for companies.
We created this guide to compare and contrast RedotPay and KAST’s cards, examine their fees, discuss the features their business products cover, and help you determine which is the best pick for your team. We’ll also take a look at the Slash Global Card, which gives foreign founders the ability to access the US dollar without having to form a US-based entity.³ Accounts are backed on Base by a balance held in USDC, which is designed to maintain a one-to-one value with the US dollar.
Key Takeaways
- RedotPay isn't currently available to US citizens, though they recently acquired a money transmitter license to begin the process of moving to America.
- KAST pays cash back in regular dollars at 1.5% to 3% depending on tier, while RedotPay's standard rewards are points that buy prize draw entries rather than cash.
- RedotPay Connect and KAST Business solve opposite problems, since one helps you accept payments from customers and the other gives your company an account to spend and pay from.
- A card funded by a crypto balance and a card funded by a dollar account look identical to a merchant at the register, meaning cards are accepted wherever the connected network is.
- Slash’s Global USD account is similar to KAST’s Business account, but it comes with more features for money management.
What is the RedotPay Card?
Before getting into the nitty-gritty, here’s something American readers need to know about RedotPay: as of August 2026, it’s not available in the United States. That said, RedotPay recently secured its first state money transmitter license with applications pending in more than twenty additional states. It may be available in the near future, but the door isn’t open quite yet.
In any case, the RedotPay Card is a stablecoin-funded Visa card available in both virtual and physical form. You can top up a RedotPay balance using on-chain deposits, Binance Pay, or a credit card purchase, then spend from that balance anywhere the network is accepted. It works with Apple Pay and Google Pay, which means you can tap your phone at the terminal to spend your tokens.
You can spend 11 different tokens through the RedotPay card, including USDC, USDT, BTC, and ETH. However, it’s best to use stablecoins for everyday purchases, as they’re pegged 1:1 to the US dollar and experience low volatility. It’s also worth noting that RedotPay allows USDC and USDT to travel through eight different blockchains, while the other tokens are generally limited to their native chains.
The card’s rewards are very interesting, especially compared to standard consumer cards. RedotPay’s program awards points for spending, referrals, and in-app missions, and those points buy entries into prize draws rather than converting to cash. Instead of getting a set amount of money back for monthly purchases, you can get chances to win an Iphone. If you’re looking for a more normal rewards experience, you can pay $12.90 a month for RedotPay Pro, which unlocks 3% cash back on Apple Pay and Google Pay purchases.
RedotPay Card Fees
While the RedotPay card doesn’t charge an annual fee, it does carry a few per-action fees that can add up over time. The biggest one is its physical card application fee, which will run you $100. Virtual card applications only cost $10. While that’s comparatively low, competitors like Slash don’t charge anything to create virtual cards.
There’s no inherent fee for spending your default currency, but there is a 1.2% fee for non-default currency transactions. Regardless of the exact coin you use, there’s an additional 1% conversion fee on top of each transaction. You’ll be charged a 2% fee for ATM withdrawals, which actually raises to 3% once you withdraw more than $10,000 USD in a month.
RedotPay Pro alleviates these costs a bit. ATM fees are waived, and members can either get a free virtual card or physical card each month, depending on whether they pay their Pro membership fees monthly or annually.
What is the KAST Card?
KAST is a mobile-first financial platform that issues a trio of Visa cards funded from a stablecoin balance. These cards come in three different tiers:
- Standard: A free Visa Platinum card that offers 1.5% cash back and allows users to start with two free cards, physical or virtual.
- Premium: A $1,000/year metal Visa Infinite card that earns 2% cash back and 1% KAST Points back on all spend.
- Private: A $10,000/year gold plated Visa Infinite card that earns 3% cash back and 2% KAST Points back on all spend. Users also get access to KAST’s senior team.
Apple Pay and Google Pay are supported across all tiers. Unlike RedotPay, KAST’s cash back is paid in real dollars, credited at authorization. At the moment, KAST Points can be put towards membership fees, though the company is in the process of updating how the points can be redeemed.
KAST users can spend over 20 different cryptocurrencies, including five stablecoins (USDC, USDT, USDe, PYUSD, RLUSD). In order to fund your account, you can either deposit crypto or connect your bank account in order to top it off with your local currency. Stablecoin deposits are completely free, while other coins and currencies come with applicable conversion fees.
Outside of its cards, KAST is a financial technology company that comes with virtual accounts, cards, and custody provided by licensed partners including Fireblocks and BitGo. Like Slash, KAST allows foreign business owners to open a USD account without having an entity based in the United States, through Global Accounts run on banking services from Lead Bank.
KAST Card Fees
KAST Card spending in dollars is free, as are Apple Pay/Google Pay transactions and stablecoin deposits. Foreign currency spending carries a 0.5% to 1.75% exchange fee, depending on where you’re located and where the transaction happens. ATM withdrawals cost $3 plus 2% of the total amount, though you can only take out $250 per withdrawal and $750 across any 24-hour period.
Depositing a non-stablecoin cryptocurrency costs 2% to 5% depending on the token, since KAST converts it on arrival. Regular dollar deposits run $2 by ACH and $15 by wire. Stablecoin withdrawals carry a network-dependent fee plus 0.1%, ranging from about $0.20 on Arbitrum to $6 on Ethereum. Small purchases (under $25) come with a little 10 cent fee. Lastly, their Premium and Private tiers cost a pricey $1000 and $10,000 a year, respectively, though they’re ultimately not necessary to access any key features.
RedotPay vs KAST: Cards Compared
The biggest difference between the RedotPay Card and the KAST Card is their availability. Users in over 150 countries can use a KAST Card, including Americans. Meanwhile, the RedotPay Card is available in parts of Asia, Latin America, and the Middle East, but not the United States.
Here are some more differences between the two cards:
What is RedotPay Connect?
RedotPay Connect is a payment gateway rather than a bank account. It lets merchants accept stablecoin payments at checkout through a single integration that connects to major wallets including MetaMask, Trust Wallet, Coinbase Wallet, OKX, and Bitget. However, it doesn’t accept traditional card and wire payments – it’s exclusively meant for crypto.
Settlement is same-day, and merchants can choose whether to receive local currency or keep the crypto. According to RedotPay, merchant discount rates with Connect are about 70% lower than traditional card and bank processing, which can save online sellers money on card interchange fees. Their dashboard includes tools for payments, refunds, chargebacks, settlement reporting, and reconciliation.
In mid-2026, RedotPay launched AI-powered agentic payments through stablecoins. In other words, AI agents can recommend products, discover merchants, and execute purchases with cryptocurrency. Those who use RedotPay Connect can also accept purchases from AI agents who spend stablecoins, which isn’t allowed among all payment processors.
Who Uses RedotPay Connect, and Why?
RedotPay Connect suits businesses that sell to crypto holders and want to capture that demand without building payment infrastructure themselves. For example, an online electronics retailer can add a stablecoin checkout option and settle in local currency the same day, avoiding both the interchange cost and the chargeback exposure that comes with cards. A digital goods or gaming company with a customer base that already holds stablecoins can accept them natively, meaning their shoppers don’t have to execute a conversion themselves. In either case, though, you’ll need a separate payment processor to accept traditional payments.
The platform helps merchants on the transactional side of things much more than it helps with their management or spending. RedotPay Connect allows you to accept crypto, but it doesn't help pay your employees, hold a balance, or issue cards to your team.
What is KAST Business?
KAST Business is the opposite kind of product. Rather than helping you accept payments, it gives your company an account to hold, spend, and send money from.
The account can give non-American businesses USD account details with payouts in more than 18 currencies and 170 countries. Businesses can issue hundreds of virtual cards instantly at no charge, assign them to employees, vendors, or individual subscriptions, and set daily limits per card. Users can also earn up to 3% cash back on business purchases.
In order to onboard, you’ll need proper know-your-business (KYB) verification, including incorporation documents, proof of address, ownership evidence, and identity checks for every beneficial owner at 25% or above plus one controlling person.
Who Uses KAST Business, and Why?
There are a couple professional archetypes that best fit KAST Business. If you’re a solopreneur outside the US who bills American clients, you can hold dollars without forming a US entity or finding a co-founder with a Social Security number. If you’re paying freelancers across several countries, you can issue a card per contractor with its own limit rather than running wires and reconciling them by hand.
KAST Business also supports employee-level permission scoping, meaning team members can see their own cards without seeing company balances. However, the platform overall doesn’t come with the financial management tools that the Slash Global USD account offers.
How the Slash Global Card Sets Itself Apart
KAST and RedotPay aren’t the only providers that offer both a stablecoin card and a business account. Slash’s Global USD account comes with access to Global Cards that can allow users to spend the US dollar without having an entity based in the United States. They’re backed by USDC on Base, spendable in 130+ countries, and they come from an established business banking provider.¹ Additionally, they can earn users 1% cash back on eligible purchases.
With a Slash Global USD account, you get US account and routing details that allow you to receive US dollar payments and send ACH and wire transfers, even as a foreign founder. While this may seem similar to the KAST Business account and its card on the surface, Slash goes above and beyond by allowing users to:
- Create and send invoices from your Global USD account and collect payment by ACH, wire, or supported stablecoins.
- Track your transactions in real time
- Sort bills by status and schedule recurring invoices
- Issue physical and virtual cards with per-card limits, card-group budgets, merchant-category controls, instant freezing, and role-based permissions.
While KAST uses stablecoins to support global USD spending, the platform behind it doesn’t offer these sorts of features, with the exception of transaction tracking.
So, if you’re a foreign founder without an American entity, you have three choices. You may use the RedotPay card, which doesn’t come with a platform that helps manage your payments. You could choose KAST Business, whose platform is more robust, but lacks certain features and rulesets. Or, if you want a Global Card whose platform allows you to manage invoices, access deep card controls, and more, you could choose Slash.
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Frequently Asked Questions
Why does it matter that these platforms give you USD access without an entity?
Traditional US banks don’t allow foreign users to open an account unless they have a Social Security Number and either a business entity or address in the United States. While RedotPay, KAST, and Slash aren’t banks, they offer checking accounts with US routing and account numbers to foreign users who don’t meet those requirements.
The Next Era of USD Access: Banking Without the Bank Account
Are funds held with these platforms protected?
Not with insurance, no. Because the assets held in these accounts are crypto and not fiat currency, they’re not FDIC insured.
Do I need a business account to use a crypto card for company spending?
Not strictly, but consumer cards weren't designed for it. They typically lack multi-user access, per-card spend controls, approval workflows, and accounting integrations. As a result, expenses have to be manually rebuilt, and it’s tough to give employees certain privileges. A business account with card issuance built in solves those problems, which is what KAST Business and Slash offer.
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