Card database / Visa / Stablecoin payment card

Pengu Card

Updated: Sep 21, 2026

Pengu Card is a co-branded Visa payment card jointly offered by Pudgy Penguins and KAST for the Pudgy Penguins community and users who want to spend stablecoins and crypto assets on everyday purchases. Cardholders deposit stablecoins, supported crypto assets or fiat currency into their KAST account to create an available balance. The card uses that balance to secure a credit limit and processes online, offline, subscription and ATM transactions through the Visa credit card network. It also provides USD cashback and KAST Points according to membership tier.

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Card network
Product type: Stablecoin payment card
Card form: Virtual + physical card / Virtual + metal card
Operating status: Active
KYC level: Tiered KYC
Commercial relationship: No commercial relationship
Risk score: 70-79

Supported assets: USDTUSDCBTCETHBNBSOLXRPTRXLINKXLMUNI
Last updated: Sep 21, 2026

Official and company information

Issuer identity and company credentials

KAST is a fintech platform centered on stablecoins, offering USD/EUR accounts, stablecoin top-ups, crypto cards, cross-border payments, and Visa network spending. Current Terms disclose the main legal entity as KAST Tech, registered in Anjouan, Union of the Comoros, Reg No. 16223. However, Troia Corp also appears in card agreements and promotional terms, and the app store developer is Troia Limited in Hong Kong. KAST officially states it is not a bank; virtual accounts, payment cards, custody, and deposit/withdrawal services are provided by licensed partners.

Visit website Application page

Company / issuer: KAST
Legal name: KAST Tech
Registered region: AUC
Headquarters: Singapore
Company type: Fintech
Verification status: Verified
Issuer website: Official link
Application page: Application link

Card overview

The PENGU Card is a co-branded card within the KAST stablecoin financial account ecosystem, sharing the same account, balance, and funding mechanisms as the standard KAST Card. Users must first create and verify a KAST account and fund it using fiat currency, stablecoins, or supported crypto assets; payments are then made directly using the available KAST balance, eliminating the need to transfer funds to a separate PENGU card balance or involve any credit-based borrowing. The product officially launched its virtual card offering in March 2026 following the conclusion of the waitlist; physical PENGU Cards are now available for order and activation, although certain special editions may still be subject to a pre-order process.

Visa card experienceRegional availabilityTerms may change

Notice: No additional notice is available.

Usage scale & trends

Usage data is not available for this card yet. It will appear here when available.

Card variants and fee differences

Compare verified fee records across card forms and tiers

Drag or swipe anywhere in the table to view every card; labels stay fixed

	PPengu Standard Card	PPengu Black Card	PPengu Gold Card
Card form	Virtual + physical card	Virtual + metal card	Virtual + metal card
Fees
Monthly fee	Free No monthly card fee	Free	Free
Card issuance fee	Free Additional $40 for delivery	Free Included in Premium membership	Free Included in Private membership
ATM fee	3 USD + 2% Non-USD transactions subject to additional FX fee	3 USD + 2% Non-USD transactions subject to additional FX fee	3 USD + 2% Non-USD transactions subject to additional FX fee
Foreign exchange fee	1.75% 0.5%–1.75% depending on residence and transaction region	1.75% 0.5%–1.75% depending on residence and transaction region	1.75% 0.5%–1.75% depending on residence and transaction region
Top-up fee	0% Stablecoin top-ups free; other coin conversion fee 2–5%	Free Stablecoin top-ups free; other coin conversion fee 2–5%	0% Stablecoin top-up 0%; other coin conversion fee 2–5%
Failed transaction fee	0.5 USD Insufficient balance rejection fee	0.5 USD Insufficient balance rejection fee	0.5 USD Insufficient balance rejection fee
Rewards
Cashback	1.5% First $2,000 spend per month	2% First $10,000 spend per month	3% First $40,000 spend per month
Crypto cashback	—	—	—
Staking rewards	—	—	—
Staking APR	—	—	—
Welcome bonus	—	—	—
Referral bonus	1,000 USD Up to $1,000, based on friend spend or subscription	1,000 USD Up to $1,000, based on friend spend or subscription	1,000 USD Up to $1,000, based on friend spend or subscription
Limits
Daily spending limit	Unlimited Account risk control rules still apply	Unlimited Account risk control rules still apply	Unlimited Account risk control rules still apply
Monthly spending limit	Unlimited Account risk control rules still apply	Unlimited Account risk control rules still apply	Unlimited Account risk control rules still apply
ATM withdrawal limit	250 $250 per withdrawal; $750 per 24 hours, max 3 times per 24 hours	250 USD $250 per withdrawal; $750 per 24 hours, max 3 times per 24 hours	250 $250 per withdrawal; $750 per 24 hours, max 3 times per 24 hours
Card network

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Fees may vary by region, card tier, and official policy. Verify the latest official terms.

Regions and language support

Application status based on public sources, official policy, and user reports. This is not application advice.

Available regions

Applications or normal card activation are supported

174

LatviaLVNetherlandsNLPanamaPASri LankaLKMauritaniaMRGuadeloupeGPFalkland Islands (Islas Malvinas)FKVatican CityVABritish Virgin IslandsVGTaiwanTWCyprusCYWestern SaharaEHTongaTOPakistanPKNew CaledoniaNCWallis & FutunaWFSt. MartinMFLithuaniaLTGambiaGMGabonGAHong KongHKBelgiumBESão Tomé & PríncipeSTGrenadaGDSan MarinoSMPortugalPTEquatorial GuineaGQDenmarkDKUnited KingdomGBArubaAWIrelandIESeychellesSCMadagascarMGSwedenSESingaporeSGSamoaWSNew ZealandNZKyrgyzstanKGCocos (Keeling) IslandsCCGuamGUGuyanaGYTimor-LesteTLGreeceGRLiechtensteinLISt. Kitts & NevisKNColombiaCOAzerbaijanAZPuerto RicoPRIcelandISAustraliaAUDominican RepublicDOAntarcticaAQMonacoMCPolandPLBhutanBTMaltaMTParaguayPYPeruPEBarbadosBBSaudi ArabiaSAComorosKMVietnamVNNepalNPMauritiusMUUnited StatesUSSt. BarthélemyBLCosta RicaCRNorwayNOTuvaluTVKiribatiKICzechiaCZIndiaINBahamasBSMayotteYTMalawiMWChadTDSwitzerlandCHLesothoLSGermanyDEMontserratMSArmeniaAMMacaoMOSolomon IslandsSBBelizeBZSt. Vincent & GrenadinesVCCook IslandsCKGibraltarGIIndonesiaIDFranceFRRéunionREU.S. Virgin IslandsVIFaroe IslandsFOMalaysiaMYNorthern Mariana IslandsMPSlovakiaSKMartiniqueMQZambiaZMGreenlandGLRomaniaROKazakhstanKZKuwaitKWFrench PolynesiaPFMaldivesMVBotswanaBWTurkmenistanTMGuernseyGGGuineaGNMoldovaMDAngolaAOEstoniaEEChileCLGeorgiaGEFinlandFITajikistanTJMoroccoMABruneiBNUruguayUYAnguillaAIBrazilBRBermudaBMDjiboutiDJNigerNEBeninBJCuraçaoCWIsraelILHondurasHNTurks & Caicos IslandsTCMarshall IslandsMHUzbekistanUZOmanOMCayman IslandsKYThailandTHÅland IslandsAXEcuadorECNorth MacedoniaMKMongoliaMNJerseyJEAndorraADFijiFJLaosLAChristmas IslandCXNiueNUIsle of ManIMSpainESSt. LuciaLCHungaryHUAustriaATTokelauTKLuxembourgLUQatarQAGhanaGHBahrainBHAntigua & BarbudaAGVanuatuVUUnited Arab EmiratesAEGuatemalaGTAmerican SamoaASNigeriaNGItalyITBoliviaBONauruNRSurinameSRSt. HelenaSHBangladeshBDFrench GuianaGFPapua New GuineaPGTogoTGDominicaDMEgyptEGJapanJPSouth KoreaKREl SalvadorSVTrinidad & TobagoTTPitcairn IslandsPN

Evidence: Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

ChinaCNIranIRMyanmar (Burma)MMNorth KoreaKP

Evidence: Officially restricted

Unconfirmed regions

Evidence is insufficient

No records

Evidence: Public sources

Availability in English-Speaking Markets

1. United States：Can apply，Can use，Pengu Card is live through KAST and available to verified users across its 170+ supported-country program; U.S. applicants must complete KAST identity verification before ordering the virtual card.

2. United Kingdom：Can apply，Can use，UK residents are covered by KAST’s global card program and can order Pengu Card after completing the required KYC verification.

3. Canada：Can apply，Can use，Canadian residents can access Pengu Card through a verified KAST account, with issuance dependent on successful identity and residence verification.

4. Australia：Can apply，Can use，Australia is within KAST’s global card coverage and eligible residents can order Pengu Card after completing KYC.

5. South Africa：Can apply，Can use，South African residents can access the KAST card program and obtain Pengu Card after successful identity verification.

6. New Zealand：Can apply，Can use，New Zealand residents are covered by KAST’s broad international card program and can order Pengu Card once KYC is approved.

7. Ireland：Can apply，Can use，Irish residents can obtain Pengu Card through KAST after completing identity verification, and the card supports international Visa spending.

Updated: Sep 13, 2026

KYC requirements

Current identity-verification requirements and restrictions

KYC required

YesRequired

KYC level

Tiered KYCRequirement confirmed

Proof of address

YesRequired

Accepted documents

Passport / National ID card / Driver's license

Review time / regional limits

Automated review takes about 10–15 minutes; manual and additional document review typically takes 1–3 business days.

KYC provider

Not disclosed

Updated

Aug 17, 2026

Payment compatibility

Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy

Compatibility overview12 scenarios

Supported12

Not supported0

UpdatedAug 17, 2026

Wallet payments

Alipay

Supported

Aug 17, 2026

Wallet payments

Apple Pay

Supported

Aug 17, 2026

Cash services

ATM withdrawal

Supported

Aug 17, 2026

AI tools

ChatGPT

Supported

Aug 17, 2026

AI tools

Claude

Supported

Aug 17, 2026

Wallet payments

Google Pay

Supported

Aug 17, 2026

AI tools

Midjourney

Supported

Aug 17, 2026

In-person payments

Offline POS

Supported

Aug 17, 2026

Online shopping

Supported

Aug 17, 2026

Wallet payments

PayPal

Supported

Aug 17, 2026

Subscriptions

Subscription payment

Supported

Aug 17, 2026

Wallet payments

WeChat Pay

Supported

Aug 17, 2026

Review

Read the editorial review, its verdict and latest update.

No review yet

No review has been published for this card. Published reviews appear here.

User reviews

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Risk factors

Updated: Aug 17, 2026

No risk factors are available

Frequently asked questions

Answers drawn from the published record on this page.

Does Pengu Card require KYC?

Our record lists the Pengu Card verification requirement as: Tiered KYC. Document and review details are in the KYC section of this page.

Does Pengu Card support Apple Pay and Google Pay?

Apple Pay: Supported. Google Pay: Supported.

Which assets can I top up Pengu Card with?

Our record lists Pengu Card support for: USDT, USDC, BTC, ETH, BNB, SOL, XRP, and TRX (11 in total).

Is Pengu Card a virtual or a physical card?

Pengu Card is offered as: Virtual + physical card and Virtual + metal card.

Where is Pengu Card available?

Our record lists 174 countries or regions as available and 4 as restricted. Country-by-country status is in the regions section of this page.

Who issues Pengu Card?

Pengu Card is operated by KAST on the Visa network.