KAST, a financial technology platform powered by stablecoins, has launched KAST Reserve, a rewards product that gives people a way to earn up to 12% in rewards on USD balances. The company describes the launch as the latest evolution of its stablecoin-powered platform, allowing KAST members to build balances and store them while spending with ease around the world.

KAST Reserve allows customers to earn between 6% and 12% rewards on USD balances from a spending account that can be used around the world. According to KAST, USD Reserve gives people an easy way to earn high rewards on their USD without locking their money away or losing access to it — balances are always spendable, even while they earn rewards. For context, those rates sit well above US national average savings account yields, which have remained below 1 percent, according to FDIC data.

With stablecoin supply reaching over $260 billion, stablecoins are increasingly useful and accessible instruments for people accustomed to more traditional financial products, the company noted. The launch comes as stablecoins push further into mainstream US finance: the GENIUS Act, signed into law in July 2025, established the first federal regulatory framework for payment stablecoins in the United States, while major payments companies have expanded into the space — PayPal issues its own dollar stablecoin, PYUSD, and Stripe acquired stablecoin infrastructure platform Bridge in early 2025.

KAST Reserve is designed to be a stable, reduced-risk way for users to earn rewards on their USD balances, and it complements the platform's existing USD Prime Vault and Gauntlet Alpha Vault, which are aimed at more DeFi-native users.

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. According to the company, funds in KAST Reserve are therefore protected and not exposed to DeFi or wider market risk, giving users peace of mind to earn special rewards on their USD balance while keeping the freedom to spend whenever they want.

Balances in KAST Reserve earn rewards while staying spendable. Reward levels are tied to KAST's membership structure: users can earn between 6% and 12% rewards in USD Reserve, with KAST's private members earning 12% on balances up to $200,000. Users who move early will benefit most — the initial reward program of 6% to 12% is capped at an aggregate of $100 million, with users moving to a lower rate of between 4% and 8% from January 2027.

Raagulan Pathy, Founder & CEO at KAST, said: “Reserve provides KAST members a premium service with the best rewards, even beyond the stablecoin market. Our easy-to-use, simple user experience makes stablecoin-powered global dollar accounts, including these rewards, accessible for everyone, not just people accustomed to blockchain. Turning USD balances into actual wealth and spending power is a game changer for our users.”

Founded in July 2024, KAST provides USD-denominated accounts and global pay-ins and payouts, delivered in partnership with licensed institutions to more than 170 countries, together with a growing suite of consumer and business financial tools built on stablecoin rails rather than legacy settlement networks. The platform was initially adopted by globally mobile and digital earners as a way to earn, store and spend their money, and KAST says it is now changing how people manage money.

The introduction of KAST Reserve is the latest in a series of product launches designed to deliver the most premium products in the stablecoin-powered dollar app, according to the company. The launch lands in an increasingly crowded market for stablecoin-powered dollar accounts, and how regulators implement the new federal stablecoin framework will set the operating rules for products like Reserve going forward.

Source: GlobalFinTechSeries