We compare KAST and Lava Card side by side: fees, cashback, custody, KYC and country availability, with verified data.
KA KAST Official siteA stablecoin neobank: hold digital dollars, spend them anywhere with USD cashback. | LC Lava Card Official siteA secured Visa credit card backed by your bitcoin - spend dollars, keep the BTC, earn BTC back. | |
|---|---|---|
| Tier | A-Tier - Strong picks | A-Tier - Strong picks |
| Type | Neobank / money app | Crypto card |
| Network | Visa | Visa |
| Custody | Custodial | Self-custody |
| KYC | Required | Required |
| Card forms | Virtual + Physical | Virtual + Physical |
| Fund with | Stablecoins, Crypto, Fiat | Crypto, Stablecoins |
| Monthly fee | Standard tier free; paid Premium and Luxe tiers unlock higher cashback | No annual fee |
| Issuance | Virtual card free on the Standard tier | Free |
| FX | 0.5%-1.75% depending on tier | No foreign transaction fee; no markup on the official Visa rate |
| ATM | $3 + 2% plus operator fees | Credit card - designed for purchases, not cash withdrawals |
| Cashback | 1.5% - 3% (USD) | 1% - 5% (BTC) |
| Regions | Global, Latin America, Asia-Pacific | United States, Global |
| Availability | 170+ countries; one of the widest coverages among stablecoin money apps. | US-first (3% BTC rewards); international users earn 1%. Bitcoin-backed borrowing available in most jurisdictions. |
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