Encrypto vs Kast
Both let you spend crypto on a Visa card. The core difference: Encrypto is self-custody — your keys, your money. Kast is custodial.
If you're choosing between Encrypto and Kast for spending crypto in Latin America, the most important question isn't cashback — it's who controls your money. With Kast, funds are held by Kast and its regulated third-party partners; once your assets enter the card flow, you rely on a counterparty. With Encrypto, you keep self-custody of your funds the entire time — Encrypto never takes control of your money.
Side-by-side comparison
| Feature | Encrypto | Kast |
|---|---|---|
| Custody model | Self-custody (you hold your keys) | Custodial (Kast / partners hold funds) |
| You control your funds | Yes | No |
| Visa card — spend at 150M+ merchants | Yes | Yes |
| Earn DeFi yield on your balance | Yes | Rewards / points |
| Virtual bank account numbers | Yes — ACH, SEPA, PIX, SPEI, Wire, Zelle | Limited |
| LATAM focus | Argentina, Brazil, Mexico & worldwide | Argentina, Brazil, Panama & more |
| Spend local currency (ARS / BRL) | Yes | Yes |
Why self-custody matters
Custodial cards are convenient until they aren't. If a custodian freezes accounts, changes terms, or has a solvency problem, your money is exposed. Self-custody means your balance lives in a wallet only you control — and you can still spend it instantly at 150M+ merchants with the Encrypto Visa card. You get the convenience of a neobank without handing over your keys.
Which should you choose?
If you want the simplest possible custodial experience, Kast is a solid option. If you want to spend crypto in the real world while keeping full control of your funds — plus DeFi yield and virtual bank account numbers across ACH, SEPA, PIX, SPEI, Wire, and Zelle — Encrypto is built for you.
Try Encrypto — the self-custody crypto neobank →Comparison based on publicly available information as of June 2026. Competitor features, fees, and custody arrangements may change — please verify on each provider's official site before deciding. Encrypto is not affiliated with Kast.