Monetiro229 services on the ledger · last checked October 6, 2026
ENRU
$2.40/$100
Take it?CostsAsks forLimitsWhere it worksFlawsWhat has changedHow we checkedAlternatives
Ledger
RedotPay Card

RedotPay Card

Visa · MCVirtual and plasticSince 2023
Asks for everythingOperational

Hong Kong-based stablecoin card with multi-chain top-up (ETH/TRC20/BSC/Arbitrum/Polygon/Solana/TON/XRP Ledger) and a EUR IBAN. Both Visa and Mastercard product lines exist; conversion happens at point of sale.

Total, per $100 spent: $2.40per $100 spent

114 of the 174 priced cards cost less. Among the 113 that ask for exactly as much identity, the median is $1.23.

Open redotpay.comNot a paid link: we earn nothing either way.

Whether to take RedotPay Card

In its favour

  • Stablecoin-to-fiat conversion at point of sale (BTC, ETH, USDT, USDC, SOL, BNB, XRP, TRX, TON)
  • Apple Pay and Google Pay supported
  • Both virtual ($10) and physical ($100) cards available
  • EUR IBAN account with SEPA support

Against it

  • 1% crypto-to-fiat conversion fee on every purchase
  • 1.2% FX markup on non-USD transactions
  • ATM withdrawals: 2% (up to $10k/mo on USD card, or flat on HKD card), 3% above $10k/mo on USD card
  • Hidden $0.20 small-transaction fee (after 5th) and $0.50 decline fee (after 3rd)

Also true, in its favour

  • Multi-chain top-up (Ethereum, Tron, BSC, Arbitrum, Polygon, Solana, TON, Ripple)
  • Available in 100+ countries; ~6M users
  • Fast KYC (typically minutes)

What RedotPay Card costs

ChargeWhat it costs
To get the card
To issue the card$10.00
Monthly$0.00
To put money in
To load0%
To spend it
To spend1%
Per payment, fixed$0.20
To spend outside the dollar1.2%
At a cash machine2% (HKD card, or USD card up to $10k/mo), 3% on USD card above $10k/mo
Total, per $100 spent$2.40

Read off redotpay.com on July 21, 2026.

Issuance: $10 virtual / $100 physical. Top-up: 0% on-chain, 3% via credit/debit card. Conversion: 1% crypto-to-fiat. FX: 1.2% on non-USD. ATM: 2% (USD card up to $10k/mo, or HKD card flat), 3% above $10k/mo on USD card. Small-tx fee $0.20 (after 5th) and decline fee $0.50 (after 3rd) per period.

KYC: what RedotPay Card asks for

Full verification: a document, a photograph of your face and proof of your address. The same file a bank opens on you, held by a company that is not a bank.

Asks nothing7 cards
An email18 cards
A light check — a name and a phone, unverified9 cards
A document102 cards
Everything — document, face, address114 cards

Limits on spending

Per payment$100,000

Not published by the issuer: monthly spend, daily spend, maximum balance, cash, per day.

Confirmed on redotpay.com on July 21, 2026. A figure told to one person in a chat window is not a published limit, so it does not appear here.

Where it works

WalletsApple Pay and Google Pay
Accepted whereOnline, in person, cash machines
Account detailsIts own account details
Coins in9BTC, ETH, USDT, USDC, SOL, BNB, XRP, TRX, TON
Chains8Ethereum, Tron, BSC, Arbitrum, Polygon, Solana, TON, Ripple
TiersVirtual, Physical

Closed to residents of 38 countries, according to the issuer's own terms.

  • Afghanistan
  • Belarus
  • Bosnia and Herzegovina
  • Burkina Faso
  • Burundi
  • Central African Republic
  • China
  • Congo (DRC)
  • Croatia
  • Cuba
  • Eritrea
  • Ethiopia
  • Guinea-Bissau
  • Haiti
  • Iran
  • Iraq
  • Lebanon
  • Liberia
  • Libya
  • Mali
  • Montenegro
  • Myanmar
  • Nicaragua
  • North Korea
  • North Macedonia
  • Russia
  • Serbia
  • Slovenia
  • Somalia
  • South Sudan
  • Sudan
  • Syria
  • Tanzania
  • Ukraine
  • United States
  • Venezuela
  • Yemen
  • Zimbabwe

The other flaws

  • Physical card costs $100
  • 3% top-up fee via credit/debit card (on-chain transfer is free)
  • Full KYC required (ID + selfie + address)
  • USA, mainland China, Russia, Ukraine and ~30 other countries blocked (Canada no longer on the list)

What has changed

3 recorded changes, the most recent on May 6, 2026. Each carries the page we read it on.

May 6, 2026VerifiedRedotPay launches AI-powered agentic payments via Tempo MPPOn May 6, 2026, RedotPay announced a strategic partnership with Tempo to launch AI-powered agentic payments using stablecoins on Tempo's Machine Payments Protocol (MPP) — enabling autonomous AI agents to settle payments directly from RedotPay accounts.redotpay.com
April 20, 2026VerifiedRedotPay integrates SUI and USDC-SuiOn April 20, 2026, RedotPay partnered with Sui to integrate SUI and native USDC-Sui — extending stablecoin payments and global payouts to high-performance Sui rails.redotpay.com
March 15, 2026VerifiedRedotPay launches Scan-to-Pay QR paymentsRedotPay rolled out Scan-to-Pay in early 2026 — letting users instantly pay merchants in stablecoins by scanning VietQR or compatible QR codes, complementing the existing RedotPay card.redotpay.com

How we checked this

Thirteen fields are tracked for every service. 12 of them carry a figure we read off redotpay.com on July 21, 2026.

Issuer's page
Cost per $100 · Loading charge · Currency conversion · Per-payment charge · Issuance · Monthly · Cash machine charge · Spending limits · Apple Pay and Google Pay
Sign-up flow
Identity level
Live check
Operating status
Terms
Countries closed
The issuer does not publish
Maximum balance

Nothing here came from a press release, an affiliate sheet, or another comparison site.

Open redotpay.comNot a paid link: we earn nothing either way.

Alternatives to RedotPay Card

Costs $10.10 more per $100 — the price of the difference.KemyCardKemyCardVisa · MCVirtual and plasticAsks for everythingOperational8% when you load, plus $4.50 fixed. 1 fee field is not published.AG21 Jul$12.50per $100 spent
Takes $2.40 less on every $100 spent.MP CardMP CardVisa · MCVirtual and plasticAsks for everythingOperationalNothing at the door, nothing abroad, nothing monthly. One of 41 cards that cost nothing.AG9 Sept$0.00per $100 spent
Costs $2.60 more per $100 — the price of the difference.CoinW CardCoinW CardVisa · MCVirtual and plasticAsks for everythingOperational2% outside the dollar, plus $3.00 fixed. 1 fee field is not published.AG9 Sept$5.00per $100 spent