COCA vs KAST: Which Crypto Card is Better?

The crypto card market is evolving fast. New platforms appear every month, promising “highest cashback,” “lowest fees,” or “the future of on-chain spending.”

But marketing rarely tells the full story.

Two names that frequently get compared are COCA and KAST—both positioned as next-generation stablecoin payment apps.

Yet once you go beyond the surface, the difference becomes clear:

• COCA is a full stablecoin banking app with self-custody, cashback in real money, APY, travel perks, and multichain infrastructure.

• KAST is a custodial card that uses point-based rewards and paid premium tiers.

Both solutions have strengths. But if you’re evaluating real-world value today—cashback, APY, FX savings, swaps, card costs, global usability—COCA delivers more utility across more categories.

Below is an objective, data-backed comparison of COCA vs KAST.

Cashback: Real Stablecoins vs Points

One of the most important differences between the two cards is how rewards are paid.

COCA pays cashback in real stablecoins—USDC or EURC—credited monthly.These rewards are liquid and transparent, and immediately usable.

KAST issues cashback in points.These points cannot be spent today and are only convertible after a future TGE (Token Generation Event). Their real value depends on token price, liquidity, and unlock schedules.

What this means for users

• COCA rewards = guaranteed, stable, day-one value.

• KAST rewards = speculative future value with uncertainty.

Fees, FX, ATM & Swaps

Fees directly impact everyday spending—especially for travelers and high-volume users.

COCA keeps fees near zero:

• 0% FX fees

• 0% swap fees

• $300/month in free ATM withdrawals, then a small fee

• Real-time stablecoin conversion with no hidden markups

KAST uses a traditional custodial fee model:

• ~2% FX fees

• ~2% ATM fees

• Swap spreads up to 7% depending on the asset and direction

What this means for users

• COCA helps users save — ~2% on FX, ~4% on ATM, up to 7% on swaps.

• KAST’s fees compound quickly, especially internationally.

Card Costs

Few users realize how dramatically card pricing differs.

COCA

• Virtual card: Free

• Physical card: $5 (delivery fees may apply)

• No subscription tiers

• No hidden costs

KAST

• Virtual card: Free

• Physical cards: $100 to $10,000 per year

• Higher tiers require recurring paid subscriptions

What this means for users

• COCA = crypto cards with no extra costs.

• KAST = premium, high-cost model for physical cards.

Wallet Architecture

Another major difference is wallet design.

COCA uses a fully integrated MPC self-custodial wallet.Everything—wallet, card, rewards, swaps, APY, travel—lives inside one app. Apple/Google Pay provisioning.

KAST does not offer a native wallet.Users must connect an external Solana wallet, and funds are ultimately held custodially. This creates a more fragmented, less seamless workflow.

What this means for users

• COCA = complete stablecoin banking in one app.

• KAST = card layered on top of external wallets.

Supported Blockchains & Tokens

For many users, blockchain flexibility matters.

COCA supports 15+ networks, including:Ethereum, BNB Chain, Polygon, Avalanche, Arbitrum, Base, Stellar, and more. Supports card payments in USDC, USDT, EURC, and EURS.

KASTPrimarily supports the Solana blockchain. We did not find other chains listed. Supports card payments in USD and USDC only.

What this means for users

• COCA = true multichain support with multiple stablecoins.

• KAST = mostly USD based stablecoins with a few other tokens.

🔍 Staking Requirements

This is a critical difference that most crypto cards overlook.

COCA

• No staking required for 1% cashback (Base Loyalty Tier).

• No staking required to earn APY.

• Staking COCA tokens is optional only for higher cashback tiers (3–8%).

• Users can unstake and sell their tokens anytime — 30 day cooldown.

KAST

• Higher tiers require paid subscriptions

• No real cashback (points only)

What this means for users

• COCA = rewards without lockups.

• KAST = recurring payments for premium features.

Spending Limits

High-volume spenders care deeply about card limits.

COCA card limits are:

• €30,000 per month

• €5,000 ATM/month

KAST Limits not publicly listed or consistently disclosed.

What this means for users

• COCA = transparent, high spending limits suitable for professionals, travelers, and high-volume users.

• KAST = unknown limits until after onboarding.

APY, Perks & Utility

Ongoing value is another major separation point.

COCA offers:

• 6% APY on liquid card balances

• Up to 8% cashback

• 50% cashback on subscriptions (Netflix, Spotify, Amazon Prime, ChatGPT)

• Up to 50% off hotels via COCA Travel

• No minimum balance requirements

• Multichain support

KAST offers:

• No APY

• Points as cashback

• No travel or lifestyle perks

• Account closed if balance < $5 for 2 weeks

• Limited stablecoin support

• 
  

What this means for users

• COCA = financial upside + lifestyle perks.

• KAST = simple card spend with minimal extras.

Global Access

While both cards serve global users, coverage varies.

KASTAvailable in ~150 countries (card issuance).

COCA Available in 50+ countries, including Europe, the UK, APAC, and South America, with stablecoin spending at 80M+ Visa merchants.

What this means for users

• KAST = wider global issuance.

• COCA = deeper stablecoin functionality in supported regions.

On/Off Ramps

COCA:

• Will support IBANs soon, enabling:

  • Bank transfers

  • Bank withdrawals

  • Direct card top-ups

  • Fiat ↔ stablecoin access

  • Card to card transfers

KAST:

• No native bank ramps

• Users must rely on external Solana wallets and third-party off-ramps

What this means for users

• COCA = approaching full stablecoin banking.

• KAST = card-only experience.

Who Each Card Is For

COCA is ideal for:

• Users who want real, usable cashback

• People who prefer self-custody (you control your own crypto — like holding your own money instead of a bank holding it)

• Frequent travelers

• Crypto-native users needing multichain support

• Anyone spending $1,000+/month

• Users who want yield + lifestyle perks

• People who want an all-in-one stablecoin financial app

• 
  

KAST is ideal for:

• Users who prefer custodial convenience (the company holds and manages your crypto for you, similar to how a bank holds your funds)

• Solana-first users

• People who don’t care about APY or real cashback

• Users in regions where COCA isn’t available

Category	COCA	KAST
Custody Model	Self-custodial	Custodial
Cashback Type	USDC/EURC	Points (convertible post-TGE)
Cashback Value	Immediate, stable	Speculative, vested
Max Cashback	Up to 8% in stablecoins	Up to 10% in points
Subscription Cashback	50% on Netflix, Spotify, Prime, ChatGPT	None
APY	6% APY	None
FX Fees	0%	~2%
ATM Fees	Free up to $250/month	~2%
Swap Fees	0%	Up to 7%
Card Cost (Physical)	$5	$100–$10,000/year
Recurring Payments	None	Required for premium
Spending Limits	€30k/month	Not disclosed
Wallet Model	Integrated MPC	External Solana wallet
Supported Stablecoins	USDC, USDT, EURC, EURS	USDC, USDT
Supported Chains	15+	Solana
Travel Perks	Up to 50% off hotels	None
Global Availability	~50 regions	~150 regions
On/Off Ramps	IBANs coming soon	No native ramps
Best For	Users seeking real rewards and low fees	Users wanting a custodial card

🏁 Final Verdict: COCA or KAST Crypto Card?

COCA and KAST both aim to make stablecoin spending easy.

KAST offers broad availability and custodial set-up, which may appeal to some users.

But for anyone who wants real cashback, low fees, APY, self-custody, multichain support, travel perks, and a unified financial app—COCA offers far more value.