Spend the crypto
you already hold
RedotPay is a prepaid card that lets you spend the crypto in your wallet at Visa merchants worldwide. No bank account and no credit check required.
Sign-up and card applications happen in the app, and identity verification (KYC) is required.
Watch the video first
An introductory video from RedotPay's official channel. It shows how the coins in your wallet turn into a payment at a real store.
The video is loaded from YouTube only when you tap. Nothing is sent to YouTube before that.
Enter a code when you apply and the fee drops
Tap a box below to copy the code, then paste it into the promo code field on the card application screen.
Codes can change under RedotPay policy.
What RedotPay is
A crypto wallet and Visa prepaid card service run by Red Dot Technology Limited, headquartered in Hong Kong. Keep coins in the wallet and they are converted automatically at the moment you pay.
| Service name | RedotPay (RedotPay) |
|---|---|
| Operating company | Red Dot Technology Limited |
| Headquarters | Hong Kong |
| Card network | Visa |
| What you need | A smartphone, ID for KYC, and crypto to load |
| What you do not need | A bank account or a credit check |
What you can do
Fast virtual card
Once verification is done, the virtual card is issued right inside the app.
Works abroad
It works anywhere Visa is accepted, whatever the country.
Mobile wallets
Add it to Apple Pay, Google Pay or Samsung Pay and tap to pay with your phone.
ATM withdrawals
With the physical card you can also withdraw cash.
Asset custody
Assets are held through specialist custodians and established security standards.
Activity history
Payments and top-ups are visible in the app right away.
Choose one of three cards
They differ in issuance fee and how they are used. If you only plan to pay online, the virtual card is enough.
Virtual card
$10
- Issued on request
- Online payments
- Works with mobile wallets
Physical card
$100
- In-store payments
- ATM cash withdrawals
- International shipping
Solana card
$10
- Linked to a Solana wallet
- Used like the virtual card
Issuance fees and available regions can change. (as of March 2026)
How a payment happens
Load coins
Send USDT or another coin to the RedotPay wallet.
Automatic conversion
The amount is converted at the market rate at the moment you pay.
Visa authorisation
Authorisation comes through as fast as with an ordinary card.
Merchant settlement
The merchant is settled in the currency it normally uses.
How it differs from a bank debit card
| Item | Bank debit card | RedotPay card |
|---|---|---|
| Linked funds | Bank deposit | Crypto |
| Bank account | Required | Not required |
| Credit check | Required | Not required |
| How to get one | Bank branch or app | Smartphone app |
| Use abroad | Limited, depending on the card | Anywhere Visa is accepted |
Signing up through a referral link
If you are signing up
Sign up through a referral link and you receive whatever sign-up benefit RedotPay is offering. What is on offer changes over time.
If you are referring
Join the partner programme and you earn rewards based on card applications and usage.
Which coins you can load
You can load major coins and dollar-pegged stablecoins. If you would rather not deal with price swings, loading stablecoins makes your balance easier to predict.
If you pick the wrong network (chain) when sending, your assets can be hard to recover. Use exactly the address and network the app gives you. Check the app for the current list of supported coins.
From sign-up to your first payment
Install App
Download the RedotPay app from the App Store or Google Play.
Create an Account
Sign up with an email address or phone number. If you arrive through a referral link, the referrer is filled in automatically.
Identity verification
Complete verification with your ID and a face scan. It usually takes anywhere from a few minutes to a day.
Apply for a card
The virtual card is issued as soon as you pay the issuance fee. If you have a discount code, enter it on this screen.
Load coins
Send coins to the address and network the app gives you.
Start paying
Add the card to a mobile wallet, or pay online with the card number.
What you need for verification
- ID documentA passport, driver's licence or national ID card. Which types are accepted depends on your country of residence.
- Face scanHold your face up to the camera as the app instructs. It tends to pass more easily in good light, with glasses and hats removed.
- Country of residenceSome countries are not served. Check first whether your country can be selected on the sign-up screen.
If the name you enter does not match the one on your ID, the application is rejected. It is safest to use the spelling exactly as it appears in your passport.
Which fees apply
Knowing in advance where the charges fall means fewer surprises about how much is left.
- Card issuance feePaid once for each card type. A discount code can reduce it.
- Top-up feeCharged when you load coins. On top of this, the blockchain transfer cost is separate.
- Transaction feeCharged as a percentage of the payment amount.
- Paying in another currencyPaying in a currency other than your card's adds a currency conversion cost.
- ATM withdrawalsCharged when you withdraw cash with the physical card. The ATM operator may also charge a fee of its own.
Fee rates vary with card tier and RedotPay policy, and they change often. That is why no percentages are listed in this guide. Check the app and the official information for current figures before you apply.
Common questions
Can I use it in the country where I live?
Whether you can sign up and get a card depends on your country of residence. The quickest check is to see whether your country can be selected on the sign-up screen in the app.
Do I really need a bank account?
No. There is no bank account and no credit check; you pay with the coins you have loaded into the wallet.
Can I use the card as soon as it is created?
The virtual card can be used for online payments and mobile wallets as soon as it is issued. The physical card has to be shipped, and delivery times vary by region.
What happens if coin prices fall?
The value of the coins in your wallet falls with them, so the amount you can spend goes down too. If price swings are a concern, keeping the balance in dollar-pegged coins such as USDT or USDC makes it easier to predict.
What should I do if a payment is declined?
It can happen when the balance is too low, when the merchant does not accept this kind of card, or when the card currency and the payment currency do not match. You can check the reason for the decline in the payment history in the app.
Where do I enter a discount code?
In the code field on the card application screen. It cannot be entered once the application is complete, so copy it before you apply.
What if I lose my card?
You can freeze the card immediately in the app. Once it is frozen, you can apply for a new one.
What about tax?
Tax treatment for spending or converting crypto differs from country to country. Please check the rules in your country of residence or consult a tax professional. This guide is not tax advice.
Check before you apply
- Available regionsIt is not usable in every country. The list of regions can change without notice.
- LimitsPayments and withdrawals have limits, which vary with your verification level and card tier.
- Price swingsWhen the value of your coins changes, so does the amount you can spend.
- Choosing a networkIf you pick the wrong network when loading, your assets can be hard to recover. Sending a small test amount first is one way to be sure.
- Policy changesFees and available regions can change without notice.
Get your card
Install the app, finish verification, and you can start with the virtual card straight away.
This is not the official RedotPay site; it is a guide that also provides a referral link. The button above is a referral link. Fees, issuance costs and available regions can change under RedotPay policy, so check the official information before applying. Crypto prices fluctuate and you can lose money.