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Pengu Card

Updated: Aug 17, 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
Visa
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
USDT / USDC / BTC / ETH / BNB / SOL / XRP / TRX / LINK / XLM / UNI
Last updated
Aug 17, 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.
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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

Pengu Card is part of the KAST card system as a Pudgy Penguins co-branded series, currently available in three types: Pengu Standard Card, Pengu Black Card, and Pengu Gold Card. Standard corresponds to KAST Standard tier, Black to Premium, and Gold to Private/Luxe. After completing KAST identity verification, users can obtain a virtual card and apply for a physical card in supported regions. Users can deposit stablecoins such as USDT and USDC, as well as supported assets like BTC, ETH, SOL, and XRP into KAST, where some non-stablecoins are automatically converted to stablecoins or USD-denominated balances before spending via the card. The card is processed as a credit card at merchants, with balances deposited in KAST serving as collateral for the available credit limit, and supports Visa merchants, online payments, mobile wallets, subscriptions, and ATM withdrawals with the physical card.
Visa card experienceRegional availabilityTerms may change
Notice: No additional notice is 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

Pengu Standard Card
Pengu Black Card
Pengu Gold Card
Card formVirtual + physical cardVirtual + metal cardVirtual + 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 China applicability

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

4
ChinaCNIranIRMyanmar (Burma)MMNorth KoreaKP
Evidence
Officially restricted

Unconfirmed regions

Evidence is insufficient

0

No records

Evidence
Public sources

China applicability

The source text is retained below.

Original

1、中国大陆：中国大陆居民当前不支持以大陆居住身份申请；境外合规取得的卡可在支持国际 Visa 卡的支付宝、微信支付及部分 Visa 商户使用。

2、香港：中国香港居民可按 KAST 支持地区流程完成 KYC 并申请 Pengu Card，卡片可用于 Visa 商户、线上交易及支持的移动支付。

3、澳门：中国澳门居民属于 KAST 已明确开展用户活动的合资格地区，可完成 KYC 申请并在 Visa 受理商户及线上支付场景使用。

4、台湾：中国台湾居民属于 KAST 已明确开展用户活动的合资格地区，可完成 KYC 申请，已发行虚拟卡可用于线上、Visa 商户及支持的钱包支付。

Updated: Aug 17, 2026

Policies may change at any time. Verify the latest issuer policy.

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

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

User reviews

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Risk factors

Updated: Aug 17, 2026

No risk factors are available