USD Reserve Account

Money20/20 Amsterdam

Rewards on your balance, every day.

6–12% stable rewards on your reserve account balance.

Reward Calculator

In one year, you can earn up to:
$0
with a premium reward rate
When your Reserve balance is:
$2
$500,000
Open USD Reserve

Estimate assumes one year at the 2026 introductory rate with no withdrawals. Rewards, not interest. The 2026 rate is an introductory offer and changes from 1 January 2027. See terms.

Memberships
Standard
Premium
Private
Reward Rate6%9%12%
CapUnlimited≤ $50,000≤ $200,000
Card Cashback1.5%*2%*3%*
KAST Points+1% on all spend+2% on all spend
Card TypeVisa PlatinumVisa InfiniteVisa Infinite
Perks2 Free Cards
(Virtual or Physical)1 Free Premium Card (Virtual & Physical) + Standard allowance1 Free Plated Gold Card + 2 Free Cards from any other tier
PriceFree$1,000 / year$10,000 / year
Terms and Conditions apply. See the membership agreement for full details. The boosted rate is available for a limited time and ends on 31 December 2026, or earlier if certain conditions are met, then reverts to the standard rate.

Standard

Reward rate
6%
Cap
Unlimited
Card Cashback
1.5%*
KAST Points
Card Type
Visa Platinum
Perks
2 Free Cards (Virtual or Physical).
Price
Free
Terms and Conditions apply. See the membership agreement for full details. The boosted rate is available for a limited time and ends on 31 December 2026, or earlier if certain conditions are met, then reverts to the standard rate.

Premium

Reward rate
9%
Cap
≤ $50,000
Card Cashback
2%*
KAST Points
+1% on all spend
Card Type
Visa Infinite
Perks
1 Free Premium Card (Virtual & Physical) + Standard allowance
Price
$1,000 / year
Terms and Conditions apply. See the membership agreement for full details. The boosted rate is available for a limited time and ends on 31 December 2026, or earlier if certain conditions are met, then reverts to the standard rate.

Private

Reward rate
12%
Cap
≤ $200,000
Card Cashback
3%*
KAST Points
+2% on all spend
Card Type
Visa Infinite
Perks
1 Free Plated Gold Card + 2 Free Cards from any other tier
Price
$10,000 / year
Terms and Conditions apply. See the membership agreement for full details. The boosted rate is available for a limited time and ends on 31 December 2026, or earlier if certain conditions are met, then reverts to the standard rate.

Earn. Redeem. Keep going.

  • Move USD in

    Step 1

    One tap from your USD balance. $10 minimum.

  • Rewards land daily

    Step 2

    Credited to your Spending balance every day.

  • Spend or withdraw, anytime

    Step 3

    Your balance stays fully available. No lock-ups.

Open USD Reserve

Why Reserve

  • Spendable, not locked.
    Your Reserve Account balance is always available to spend, with no lock-ups or restrictions.
  • Daily, not monthly.
    Rewards land every day, ready to use immediately.
  • Liquid, always.
    Move money in and out freely. No withdrawal fees.
Open USD Reserve

Funded by KAST.

KAST funds these rewards to members directly as a subsidy and customer incentive, from its own revenues and corporate
balance sheet.

Customer funds are held conservatively in stablecoins and treasury equivalents. That is the whole mechanism. No loops, no derivatives, no catch.

    Open USD Reserve

    From 1 January 2027

    Standard 4%, Premium up to 6%, Private up to 8%. Same caps.

    2026
    2027
    KAST funds these rewards to members directly as a subsidy and customer incentive, from its own revenues and corporate balance sheet.

    FAQs

    How is the rate funded?

    KAST funds these rewards to members directly as a subsidy and customer incentive, from its own revenues and corporate balance sheet.

    Is my money locked?

    No. Move it in and out anytime. Spend straight from it.

    What happens to my rewards?

    Posted daily to your spending balance, ready to use.

    What is the minimum?

    $10 to move in and to earn for the day.

    What happens to refunds?

    They land in your spending balance, not Reserve. Move them back manually.

    Will the rate change?

    The 2026 rate is introductory and steps down on 1 Jan 2027. See the rate tables.

    Is this a bank account?

    No, and it is not insured. It is a KAST rewards product.

    Life moves fast.
    Keep it stable.

    Up to 12% in 2026. Spendable, daily, liquid.
    KAST funds these rewards directly. Not from lending, leverage, or DeFi risk. Your dollars stay yours and stay spendable.
    Open USD Reserve
    Get KAST
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