Fiber vs KAST

Private control or global stablecoin banking?KAST is a broad, banking-style stablecoin app with tiered Visa cards, rewards and wide country coverage. We built Fiber to feel just as easy without asking you to give us custody of your assets.

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Both products make stablecoins easy to use. The important difference is the control boundary: we give you the neobank experience while your assets stay yours.

Two ways to make stablecoins useful.

What matters	Fiber	KAST	Decision note
Asset control	We are non-custodial by architecture. We do not hold, custody or control your assets and cannot access your funds.	KAST describes payment, card, custody and on/off-ramp services delivered with licensed institutions and security partners.	Choose based on whether direct user control is a requirement.
Financial privacy	We protect supported transfers, trades and earn activity with zero-knowledge privacy based on a fork of Railgun.	KAST highlights identity verification, encryption, device security and fraud monitoring rather than private on-chain activity.	We make transaction privacy part of the product architecture.
Markets	We give you 24/7 access to supported tokenized stocks, commodities and crypto with 0% Fiber trading fees.	KAST focuses on storing, earning, moving and spending stablecoins, plus selected crypto and partner vaults.	We offer broader private, always-on asset access.
Published fees	We charge 0% Fiber deposit and trading fees. Network, spread and third-party costs can still apply.	KAST publishes 0% top-up and USD card-spend fees, 0.5%–1.75% non-USD FX, ATM charges, and separate ACH and wire fees.	Compare the exact transaction you expect to make, not one headline rate.
Account rails	We provide eligible US account details for ACH and domestic wires with 0% Fiber deposit fees.	KAST publishes a global USD account, ACH and FedWire support, plus additional local-currency payout options.	KAST emphasizes rail breadth; we emphasize the private account around the deposit.

Choose Fiber if

You want supported financial activity shielded with zero-knowledge proofs.
You do not want the app provider to hold or access your assets.
You want private 24/7 access to tokenized stocks, commodities and crypto.

KAST may be the better fit if

You prioritize published availability across many countries and currencies.
You value tiered card rewards more than keeping the account non-custodial.
You prefer a banking-style account delivered through regulated custody and payment partners.

KAST’s published reach and rewards are real advantages. Fiber makes a different trade: less published geographic breadth in exchange for a neobank-style account that remains non-custodial.

Questions people ask

Is Fiber the same kind of product as KAST?

They overlap on stablecoin income, earn and account rails. We built Fiber to deliver a familiar account experience while remaining non-custodial; KAST delivers its banking-style platform with custody and payment partners.

Does Fiber have lower fees than KAST?

We charge 0% Fiber deposit and trading fees. KAST publishes 0% top-up fees, with some payout fees depending on the action. Network, spread and third-party costs may still apply, so compare the exact deposit, trade or transfer you need.

Is KAST a bank or a neobank?

KAST says it is not a bank. It is a financial technology company that provides banking-style accounts, cards, custody and payment services through licensed partners. Fiber is also not a bank; the important distinction is that the assets in your Fiber wallet remain non-custodial.

How much does KAST charge for wire transfers?

As reviewed on August 10, 2026, KAST lists $15 for incoming USD FedWire or SWIFT deposits. It lists outgoing USD FedWire at $20 plus a 0.5% transfer fee, with that percentage fee waived through December 2026. Intermediary, foreign-exchange and location-dependent costs can still vary.

Which is better for privacy?

We explicitly shield supported transfers, trades and earn activity with zero-knowledge proofs. KAST’s public materials emphasize account security and fraud protection, which are valuable but different from transaction privacy.

Sources and freshness

Last reviewed: August 10, 2026

Competitor facts come from the company’s own public materials. Product availability, rates and fees can change; verify current terms before deciding.

01
KAST product overview
Account, earn, card, coverage and custody-partner positioning.
Open source
02
KAST card fees and limits
Published card, FX, ATM and bank-transfer fee details.
Open source
03
KAST crypto cards
Visa use, wallet funding and ATM access.
Open source

Comparison prepared by Fiber. Competitor names and trademarks belong to their respective owners. This is product information, not financial advice.

Choose Fiber when you want the ease of a neobank without handing the neobank your assets. Choose KAST when its wider published coverage, card tiers and rewards matter more than non-custodial control.

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