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Head-to-head comparison

Rizon vs KAST: which stablecoin card actually fits you?

Both promise a digital-dollar Visa card funded with stablecoins — but they take opposite approaches to custody, banking features and cashback. We line up the fees, the accounts and the fine print so you can pick with your eyes open.

01

Quick verdict

Rizon
Choose Rizon if…
You want to hold your own keys (true self-custody), need real USD/EUR/GBP — plus AED, BRL or MXN — account details, or want the highest cashback rate (2.5%, up to ~5%).
KAST
Choose KAST if…
You'd rather skip the responsibility of a recovery phrase, want a $0 virtual card with no upfront fee, or need fast US domestic transfers via Fedwire.
The real choice here isn't fees — it's who holds the keys. Rizon hands them to you; KAST holds them for you.

In short: Rizon

Rizon is a self-custodial stablecoin neobank launched in 2025: you control your own wallet and keys, while still getting bank-grade account details in up to six currencies and a Visa card with up to ~5% cashback on eligible purchases. The trade-off is responsibility — lose your recovery phrase and no support team can help.

In short: KAST

KAST is a custodial stablecoin card app built around USD, EUR and GBP accounts, a free virtual card and cashback of 1.5–3% plus points. It supports Fedwire for fast US transfers and multiple stablecoins including USDe and Solana-based assets, and covers 170+ countries.

02

Side-by-side comparison

RizonKAST
Virtual card fee≈ $3.50 one-time$0 (paid tiers up to $1,000/yr)
Physical cardrolling outfrom ≈ $40 (shipping)
Stablecoin conversion≈ 0%0% (1:1, no spread)
FX fee (non-USD)competitive, varies0.5–1.75%
ATM withdrawalyes, rates vary$3 + 2%
Cashback2.5% (up to ~5%)1.5–3% USD + points
Bank accountsUSD · EUR · GBP · AED · BRL · MXNUSD · EUR · GBP
Transfer railsACH · SEPA · Wire/SWIFTACH · Fedwire · SEPA
Supported assetsUSDC · USDT (6+ networks)USDT · USDC · USDe (+SOL)
Custodyself-custodialcustodial
Availabilityglobal rollout170+ countries

Figures compiled from official fee pages (July 2026) — always verify current terms in each app before signing up.

03

FAQ

Is Rizon or KAST safer to use?

They carry different kinds of risk. Rizon's self-custody model means you — not the company — control the funds, but you're also solely responsible for the recovery phrase. KAST is custodial: the company holds the balance on your behalf, similar to a traditional fintech account, which removes the key-management risk but adds counterparty risk. Neither balance is covered by bank deposit insurance.

Which one has lower fees?

KAST's virtual card itself is free, while Rizon's costs about $3.50 one-time; but Rizon's FX fees are described as competitive and variable while KAST charges 0.5–1.75%, and Rizon offers higher cashback (up to ~5% vs. 1.5–3% for KAST). Always check the current in-app fee schedule, since these can change.

Can I use both at the same time?

Yes — nothing stops you from opening both. Some users keep Rizon for self-custody and the wider currency accounts, and KAST for its free card and cashback on everyday spending.

Please read

Risk notice

  • Always research any crypto product before using it — stablecoin balances are not covered by any bank deposit insurance.
  • Fees, cashback rates, limits and country availability change often — verify current terms directly in each app before relying on this comparison.
  • Not financial advice: this page is independent editorial content for information only and is not affiliated with Rizon Global, Inc. or KAST.

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