📊 150,000+ Rizon users | 1,000,000+ Kast users | $600M+ monthly crypto card volume
📌 Topic: Stablecoin Banking & Visa Cards
💰 Assets: USDC / USDT / USDe / SOL
🌍 Coverage: 100M+ merchants | 170+ countries
The stablecoin banking space is heating up. Two of the most talked-about players are Rizon (a non‑custodial neobank) and Kast (a Solana‑powered crypto card). Both let you spend USDC, USDT, and other stablecoins at millions of merchants worldwide – but they take very different approaches. This guide compares Rizon vs Kast side by side, covering fees, cashback, global access, card types, and real‑world usability.
🔍 Rizon vs Kast – Overview
| Feature | Rizon | Kast |
|---|---|---|
| Headquarters / funding | Delaware, USA – $2M pre‑seed | Global – $80M Series A ($600M valuation) |
| Supported stablecoins | USDC, USDT | USDC, USDT, USDe (Solana ecosystem) |
| Card network | Visa debit (virtual & physical) | Visa debit (virtual & physical metal cards) |
| Non‑custodial? | ✅ Yes – you own your keys | ❌ Custodial (simpler, but you don't control private keys) |
| Global acceptance | 147+ countries, 100M+ merchants | 170+ countries, 150M+ merchants |
| Apple Pay / Google Pay | ✅ Yes | ✅ Yes |
💳 Card Tiers & Issuance Fees
Rizon Card Tiers
Rizon keeps it simple with a single card tier (non‑custodial Visa).
- Virtual card fee: $10 (one‑time). Issued instantly after KYC.
- Physical card fee: TBA (coming June 2026).
- Monthly fee: $0.
- Top‑up fee: Free (network gas fees may apply for on‑chain deposits).
- Deposit networks: Solana, Arbitrum, Avalanche, Optimism, Polygon, Base, Ethereum.
- Rewards: Up to 2% cashback + RizPoints (redeemable for travel, gift cards, etc.).
✅ Available on iOS & Android | Non‑custodial | No monthly fees
*We may earn a commission if you sign up through this link.
🔍 You will first see a short ad (sponsored by our partner Monetag) before being redirected to the official Kast website. This helps keep our content free.
Kast Card Tiers
Kast offers four tiers – the higher the tier, the better the rewards, but also higher upfront cost.
- Standard: Free virtual card, $2 annual fee. 4% real‑time cashback + 2% token points.
- Premium: $1,000 annual fee. 4% cashback + 5% token points.
- Limited: $5,000 one‑time fee (lifetime free). 4% cashback + 5% token points + VIP access.
- Luxe: $10,000 one‑time fee (lifetime free). 4% cashback + 8% token points + VIP access.
- Physical card shipping: Standard tier requires $40 shipping fee; higher tiers include free shipping.
💰 Kast also runs a 4% MOVE token cashback promotion (limited to $2,000 spend/month).
✅ Spend USDC/USDT globally | High cashback rewards | Available in 170+ countries
*Subject to card tier and eligibility. Fees may apply for non-USD transactions. DYOR.
🔍 You will first see a short ad (sponsored by our partner Monetag) before being redirected to the official Kast website. This helps keep our content free.
📱 Platform Access: Mobile App vs Web Dashboard
One of the most practical differences between Rizon and Kast is how you access your account:
- Rizon: Mobile‑first, app‑only platform. You must use the iOS or Android app to open an account, manage funds, and use the Visa card. The official website is informational only – you cannot log in or transact from a browser. No web dashboard.
- Kast: Full web + mobile platform. You can sign up, log in, and perform all actions (card management, transfers, rewards tracking) both from the mobile app and from any desktop browser. Their website offers a complete dashboard experience.
If you prefer managing your finances exclusively from your phone, Rizon works perfectly. If you want the flexibility of a desktop interface or need to access your account from a laptop, Kast is the better choice.
💸 Fees & Hidden Costs Comparison
| Fee Type | Rizon | Kast |
|---|---|---|
| FX fee (non‑USD) | 1.5% + $0.30 | 0.8% – 1.75% + 0.5%–1.75% network spread (total ~1.6%–2.5%) |
| ATM withdrawal | 2% + $3 (plus operator fees); $250 daily limit | $3 + 2% (plus operator fees) |
| Small purchase fee | None | $0.10 for transactions under $25 |
| Annual / monthly fee | $0 monthly; virtual card fee $10 | $0–$1,000 annual fee (tier‑dependent); physical card shipping extra |
✨ Rewards & Cashback – Rizon vs Kast
Rizon Rewards (RizPoints)
- Cashback rate: Up to 2% on eligible purchases.
- Referral program: Earn up to 20 RizPoints (valued at $200) per successful referral – max 10 friends ($400 total).
- Redemption: RizPoints can be exchanged for travel, gift cards, or other perks.
- No staking required – all features available immediately after verification.
Kast Rewards (KAST Points + MOVE tokens)
- Base cashback: 4% real‑time cashback + additional KAST Points (2%–8% depending on tier).
- MOVE token promotion: Extra 4% cashback in MOVE tokens (limited to $2,000 spend/month).
- Future token airdrop: KAST Points are expected to convert to tokens at the Token Generation Event (TGE).
- Monthly reward cap: Real‑time cashback capped at $80/month (higher tiers have higher caps).
- EAL5+ Secure Element + fingerprint unlock
- Bluetooth & USB‑C connectivity
- Mobile app for iOS / Android
- Supports 75+ blockchains & NFTs
*Price may change. Click to see the current offer.
Affiliate Disclosure: As an Amazon Associate, We earn a commission if you make a purchase, at no extra cost to you.
- 1.54" colour touchscreen
- Supports 1,000+ coins (BTC, ETH, ADA, SOL, etc.)
- Open‑source firmware + Shamir backup
- Billfodl stainless steel backup (bundle)
*Price may change. Click to see the current offer.
Affiliate Disclosure: As an Amazon Associate, We earn a commission if you make a purchase, at no extra cost to you.
🌍 Regional Availability & Target Audience
Rizon
- Available to: Verified users in the US and Latin America (card usable globally in 147+ countries).
- Best for: Crypto‑savvy users who want full control of their keys (non‑custodial), prefer a simple single‑tier card, and need global spending without switching to fiat.
Kast
- Available to: Non‑US users (as of 2025/2026) – particularly strong in Asia, Europe, and Latin America.
- Best for: Users who prioritize high cashback, are willing to pay higher upfront fees for premium tiers, and are comfortable with a custodial card.
✅ Pros & Cons – Final Verdict
Choose Rizon if you value self‑custody, prefer a clean, simple card with no staking requirements, and want to spend USDC/USDT directly without converting to fiat. It’s ideal for crypto natives who want control.
Choose Kast if you are a high‑spender looking for maximum cashback (e.g., 4–12%), don’t mind a custodial setup, and are willing to pay upfront for premium perks. Just be aware of the hidden FX fees and complex tier structure.
❓ Frequently Asked Questions
Q: Can I use Rizon or Kast in Bangladesh?
A: Rizon is available to residents of the US and Latin America, but its card can be used globally (including Bangladesh). Kast is designed for non‑US users and is actively expanding in Asia – you can sign up from Bangladesh, but check KYC requirements.
Q: Which card has lower foreign transaction fees?
A: Rizon charges a flat 1.5% + $0.30. Kast has a variable fee that can add up to ~1.6%–2.5% after combining FX spread and network fees. For small purchases, Kast also adds a $0.10 fee for transactions under $25.
Q: Do I need to stake crypto to use these cards?
A: Rizon requires no staking – all features are available after verification. Kast's premium tiers require a one‑time payment ($5,000–$10,000), but the standard tier is free (except the $2 annual fee).
Q: Can I add these cards to Apple Pay / Google Pay?
A: Yes – both Rizon and Kast support Apple Pay and Google Pay for contactless payments.
Q: Which one is safer?
A: Rizon is non‑custodial, meaning you control your private keys – ideal for security‑minded users. Kast is custodial, meaning they hold the funds; it’s simpler for everyday spending but gives you less control.
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📊 Data based on official app listings, independent reviews, and user feedback as of May 2026.
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