KAST Is Becoming a Money App: Reserve Rewards, Business Accounts and What's Next

From crypto app to money app

"Stablecoins are dead," Pathy said. He explained that people care about money, and that KAST wants to be "the money app." By his count, more than 50% of customers today are mainstream users, and he expects that share to reach 80 or 90%. He called crypto influencers "a little tapped out" and pointed to a campaign with Brazilian vlogger John Vlogs, who has about 30,000,000 followers.

Solana stays underneath. Pathy said KAST is still very close to Solana and moves most of its money on it, but "you don't need to know Solana is there." He praised crypto-native products such as Athena, while saying that going mainstream is what matters most for KAST.

Savings, credit and business

Reserve lets users move money from their standard account and earn rewards, and the promotional rate now runs to mid next year. KAST has hired a global head of credit and is adding a charge card style function: users can spend from Reserve and keep earning the interest if they repay before the tenth day of the next month. Self-custody has been released, with key export coming in a couple of weeks, and stock tokens will follow depending on region.

The company also launched a business account after seeing customers use the app for business spending. To make room for it, it stopped work on Outcast, a trading product. Pathy said KAST would not beat everyone at trading when users "can literally pick, like, 800 builder codes."

Lean team, cautious outlook

The host recalled a headcount of about 300 when they last spoke. Pathy said that if he rebuilt the company today, he would not need as many people. KAST is also building an in-app AI tool, codenamed Kim. On markets, he expects Bitcoin to push toward $90-100k and then fall back. He believes in the four-year cycle, which puts the next peak around 2029, and he said he is okay with a longer bear market because it lets builders build.