Introducing USD Reserve Account: Daily Cashback Rewards on Eligible USD
You keep USD around for bills, subscriptions, and everyday spending. But between payments, that balance can sit idle.
With KAST Reserve, eligible members can move USD into a separate Reserve balance, receive daily cashback rewards, and keep funds available to spend when needed.
Your balance stays yours, and it stays usable. No lock-ups.
Reward rates notice: Reserve rewards are a promotional benefit funded by KAST and offered at KAST's discretion. Rates, eligibility, reward caps, and availability can change, pause, or end at any time according to the Terms. Rewards are not interest, APY, yield, or an investment return.
How USD Reserve Account Works
USD Reserve Account is a separate USD balance inside KAST.
When you move USD into Reserve:
- Eligible rewards accrue daily and are typically credited to your USD Spending Balance as cashback at the end of the day
- Your Reserve balance remains available for eligible card spending
- You can move USD between Reserve and USD Spending when needed
Reserve is designed to work alongside your USD Spending Balance. Funds stay available to spend, and eligible card purchases can be funded from Reserve depending on how balances are applied at the time of the transaction.
Membership Makes Reserve More Rewarding
KAST Reserve also makes membership value easier to see.
Standard members can receive daily rewards on eligible USD in Reserve.
Premium members can access a higher boosted introductory reward rate on eligible balances up to $50,000.
Private members can access a higher boosted introductory reward rate on eligible balances up to $200,000.
Reward Rates
| Tier | Membership fee | Boosted introductory reward rate | Balance cap | Above cap |
|---|---|---|---|---|
| Standard | $0/year | 6% | No individual balance cap stated | — |
| Premium | $1,000/year | Up to 9% | First $50,000 | 6% |
| Private | $10,000/year | Up to 12% | First $200,000 | 6% |
Reward rates notice: Boosted introductory rate. Variable, set at KAST's discretion. Ends 31 December 2026 or when total Reserve deposits reach $100M, whichever comes first. Then reverts to the lower ongoing rate table: Standard 4%, Premium up to 6%, Private up to 8%, with above-cap balances earning 4%. T&Cs apply.
How to Use USD Reserve Account
To get started, open the KAST app and move USD into Reserve.
Receiving USD
KAST Pay → Receive → USD Spending → Move to Reserve
Sending USD
To send USD, move funds from Reserve back to USD Spending first:
Reserve → Move back to USD Spending → Send
For eligible card spending, your Reserve balance may be used as a funding source depending on how balances are applied at the time of the transaction.
The quote and any fees are visible before you confirm.
What You Should Know
Are rewards guaranteed?
No. Rewards are a promotional benefit funded by KAST and provided at KAST's discretion. Rates, eligibility, reward caps, and availability can change, pause, or end at any time according to the Terms.
Is my money locked up?
No. There are no lock-ups. Your Reserve balance remains available to spend at any time.
Are rewards posted daily?
Eligible rewards accrue daily and are typically credited to your USD Spending Balance as cashback at the end of the day, based on current program terms. There is a $2 minimum to transfer into Reserve and to earn for the day.
Is Reserve interest, APY, yield, or an investment return?
No. Reserve rewards are not interest, APY, yield, or an investment return. They are cashback rewards funded by KAST as a promotional benefit.
Is Reserve a bank account or savings account?
No. Reserve is a USD balance feature inside KAST. Reserve funds have the same characteristics as your USD Spending Balance. They are not insured, not risk-free, and should not be treated as a bank account or savings account.
Is Reserve the same as Gauntlet or USD Prime?
No. Reserve is separate from Gauntlet and USD Prime.
Gauntlet and USD Prime sit inside KAST Earn and have different mechanics. Reserve is a USD balance inside KAST where eligible members can receive cashback rewards funded by KAST while keeping funds available to move or spend.
What happens if total Reserve deposits reach $100M?
The boosted introductory rates are available for a limited time and are subject to a $100M total Reserve deposit threshold. If the threshold is reached before 31 December 2026, KAST can revert to the lower rate structure.
Get More From Your USD Balance
If you keep USD in KAST for spending and transfers, USD Reserve Account gives you a way to receive daily cashback rewards while keeping your balance available.
Move USD into Reserve, see eligible rewards credited daily, and keep your money available to spend when needed.
Disclaimer: This content is for general informational purposes only and does not constitute investment, legal, tax, or financial advice. Digital assets involve high risk and may result in total loss. Please do your own research and consult professional advisors before making any decisions. Read full disclaimer here.
