# KAST

> Spend without borders

KAST is a stablecoin-powered financial platform. It lets users hold, send, and spend stablecoins globally through USD and EU accounts and payment cards accepted at merchants and ATMs worldwide.

KAST is a financial technology company that provides a stablecoin-powered platform for storing, earning, moving, and spending digital dollars. It is designed for freelancers, remote workers, and globally mobile individuals who need borderless access to funds without relying on a traditional bank account. Through the platform, users can open US and EU style accounts, receive transfers, and convert incoming funds into stablecoins held in a custodial wallet.

The platform addresses the friction of traditional cross-border banking by connecting stablecoin balances to established payment rails and card networks. Users can generate virtual cards for immediate use with mobile payment systems or order physical cards, with transactions settled through regulated partner institutions rather than KAST itself acting as a bank. Identity verification and fraud screening run in real time as part of each transaction.

Core offerings include global USD and EU accounts, a yield product for idle balances, cross-border payout tools, and tiered membership cards that unlock higher cashback rates. The service is used by individual earners seeking dollar access outside their home banking system as well as businesses needing cross-border payment tools.

- Type: Company
- Sector: Payments
- Status: Active
- Founded: 2023-01-01
- Profile: https://thegrid.id/profiles/kast_xyz

## Products

- [KAST Global Accounts](https://thegrid.id/profiles/kast_xyz): KAST Global Accounts is a neobank offering that provides US and EU virtual accounts for receiving dollars and euros through ACH, wire, and SEPA transfers without requiring local residency or a traditional bank. It converts incoming fiat and stablecoin deposits into usable balances that can be spent, moved, or held within the platform. The service is aimed at individuals and remote workers who need dollar or euro access while operating internationally, and it accepts deposits of stablecoins and select crypto assets across multiple blockchain networks for automatic conversion to USD balance. (Neobank, Live, Main Product)
- [KAST Earn](https://thegrid.id/profiles/kast_xyz): KAST Earn is a yield aggregator offering two vaults that let users deposit US dollar balances into automated strategies to earn interest. The USD Prime Vault converts deposits into a stablecoin backed by short-term US Treasury Bills, reflecting yield through the token's value, while the Gauntlet Alpha Vault deploys funds into curated decentralized finance strategies for higher target returns. Both vaults keep deposited funds accessible for card spending without requiring manual withdrawal, and vault positions are held within users' own wallets for self-custodial control. (Yield Aggregator, Live)
- [KAST Crypto Cards](https://thegrid.id/profiles/kast_xyz): KAST Crypto Cards are Visa payment cards that let users spend stablecoin and crypto balances at merchants and ATMs worldwide through automatic conversion to local currency at checkout. Cards are issued instantly as virtual cards compatible with Apple Pay and Google Pay, with physical versions available across Standard, Premium, and Private tiers offering different cashback rates and perks. Balances draw directly from a linked KAST account or Earn vault, so spending occurs without a separate manual withdrawal step, and cardholders can freeze, unfreeze, and set spending controls in real time. (Card, Live)
- [KAST Business](https://thegrid.id/profiles/kast_xyz): KAST Business is a neobank platform designed for companies that need to pay international teams, contractors, and vendors using stablecoins or local currencies. Businesses can send instant cross-border payouts to over one hundred countries, issue unlimited virtual cards with per-card spending limits, and view dollar and stablecoin balances alongside personal accounts in a unified interface. The platform is offered through licensed partner infrastructure and is currently accepting applications on a waitlist basis rather than open to all businesses. (Neobank, Early access)

## Assets

- [KAST Rewards](https://thegrid.id/profiles/kast_xyz): KAST Rewards is the point system of the KAST platform, a custodial stablecoin banking service. It is earned through card spending via a tiered cashback structure and through staking SOL with the KAST validator. The rewards program incentivizes platform usage by providing yield on both payment activity and staking participation within the KAST ecosystem. (Digital Reward Assets)
- [KAST Dollar (USDK)](https://thegrid.id/profiles/kast_xyz): USDK, also known as KAST Dollar, is a USD-pegged stablecoin issued by KAST in partnership with M0, optimized for payments. It functions as a digital dollar used to power spending and transfers on the KAST platform, converting customer deposits into an onchain representation. Built on M0's shared-liquidity infrastructure on Solana, USDK is designed to interoperate with other M0-based stablecoins across ecosystems. (Stablecoin)
- [USDKY (USDKY)](https://thegrid.id/profiles/kast_xyz): USDKY is a USD-pegged stablecoin issued by KAST in partnership with M0, optimized for savings. It is used to represent deposits in the USD Prime Vault within KAST Earn, where holders accrue yield reflected in the token's redemption value over time. Backed 1:1 by short-term U.S. Treasury Bill reserves and held in a user's own Privy wallet on Solana, it provides onchain visibility into the collateral generating the yield. (Stablecoin)

## Links

- [Main](https://www.kast.xyz)
- [Blog](https://www.kast.xyz/blog-category/news)
- [Documentation](https://concierge.kast.finance)
- [Terms of Service](https://www.kast.xyz/legal/terms-and-conditions-of-service)
- [Privacy policy](https://www.kast.xyz/legal/privacy-policy)
- [Media Kit/branding](https://www.kast.xyz/media-kit)
- [Main](https://www.kast.xyz/about)
- [LinkedIn](https://www.linkedin.com/company/kastofficial)
- [Telegram](https://t.me/KASTCommunity)
- [Twitter / X](https://x.com/kastcard)
- [Discord](https://discord.com/invite/KASTxyz)
- [YouTube](https://www.youtube.com/@KASTxyz)
- [Instagram](https://www.instagram.com/kast.xyz)
- [Twitter / X](https://x.com/KASTxyz)
- [LinkedIn](https://www.linkedin.com/company/kastxyz)
- [TikTok](https://www.tiktok.com/@kastxyz)

## Relationships

- [OUTKAST](https://thegrid.id/profiles/outkast): Subsidiary

## Legal

This data is provided under two licensing models.

Model 1 - open data. The open data core is licensed under the Open Database License (ODbL) — a copyleft/share-alike license allowing free use, modification, and sharing for any purpose. Attribution is required: include "Powered by The Grid" linking to https://thegrid.id wherever the data is used. Derivative databases must be shared under ODbL terms. Trademarks, logos, and brand names (marked "Special TPIP") are not covered by the ODbL. For ML/AI use: training datasets that substantially extract ODbL data are Derivative Databases and must be shared under ODbL if publicly used; models must be attributed in documentation.

Model 2 - commercial licenses. The Grid Data Service (TGDS) is also available as a commercial license. See [Web Services Terms](https://about.thegrid.id/legal/web-services-terms) for commercial use that is not covered by the open data service.

The following applies to both licensing models.
- All data is provided AS IS with no guarantees of accuracy.
- The Grid does not provide investment, legal, or tax advice, and
- a project's presence in The Grid's data does not imply endorsement.


- [Data Licensing & Disclaimers](https://about.thegrid.id/legal/data-licensing-and-disclaimers): Licensing models and disclaimers
- [Open Data (ODbL)](https://about.thegrid.id/legal/open-data): Open Database License terms and scope for The Grid's open data service.
- [Attribution Guidelines](https://about.thegrid.id/legal/open-data-attribution-guidelines): How to attribute The Grid's data when using the open data service.
- [Web Services Terms](https://about.thegrid.id/legal/web-services-terms): commercial Terms for using data services.
- [All Legal Documents](https://about.thegrid.id/legal): Full index of terms, policies, and disclosures

## Optional

- [TGS Field Descriptions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-field-descriptions.md): Schema field definitions for The Grid's data model
- [TGS JSON Structure](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-json-structure.md): Data model structure and relationships
- [Product Type Definitions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-definitions.md): Definitions for each product type
- [Product Type Classification](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-classification.md): Guide for classifying products into types
- [Grid MCP Guide](https://github.com/The-Grid-Data/workspace-public/blob/main/grid-search/skills/grid-query/references/grid-mcp-guide.md): How to query The Grid programmatically via MCP