---
title: "What is RedotPay? Who it's for, and who it isn't"
description: "RedotPay in plain words: a crypto wallet with a Visa card that spends your USDT like money. What you can do with it, what it costs, and when it isn't the right choice."
---

> Documentation Index
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# What is RedotPay? Who it's for, and who it isn't

RedotPay is a phone app that holds crypto and gives you a Visa card to spend it. When you pay, it converts your crypto, for example USDT, into the shop's currency on the spot. You don't need a bank account to get the card.

## What you can do with it

- **Pay online** anywhere that takes Visa: subscriptions, online shops, apps.
- **Pay in shops** with the [physical card](/en/cards/physical-card/), or with your phone where [Apple Pay or Google Pay](/en/cards/mobile-wallets/) is available to you.
- **Withdraw cash** at [ATMs](/en/cards/atm-withdrawals/) with the physical card.
- **Hold and receive crypto**: USDT, USDC, BTC, ETH, BNB, SOL, TRX, XRP and a few others.
- **Buy USDT with local currency** from other users through [P2P](/en/p2p/), once your identity is verified.

## Who it suits

- People who already hold USDT or other crypto and want to spend it without selling on an exchange first.
- People in countries where an international card is hard to get.
- People who pay for things priced in dollars or euros: AI tools, online shops, ad accounts.

## When it isn't the right choice

- **You live in, or are a citizen of, a country RedotPay doesn't serve.** Neither can open or use an account. The list includes the United States, Russia, Iran, Iraq, Lebanon, Libya, Syria, Sudan and Yemen.
- **You live where RedotPay can't issue cards.** Residents of **[Morocco](/en/countries/morocco/), [India](/en/countries/india/)**, Indonesia, Nepal, Turkey and Singapore, among others, can't get a virtual or physical card. Physical cards also aren't shipped to **[Egypt](/en/countries/egypt/)** or **[Tunisia](/en/countries/tunisia/)**, so people there get a virtual card only. See the [country guides](/en/countries/).
- **You are under 18.**
- **You need credit or a bank account.** The card spends money you already hold. It isn't a credit card or a bank account.
- **You can't afford to have money held for a few days.** RedotPay sometimes holds a deposit for review and asks where the money came from. See [why money gets held](/en/troubleshooting/funds-on-hold/) before you move large amounts.

## What it costs

A virtual card costs 10 USD and a physical card 100 USD, paid once. There's no monthly fee. Paying in another currency costs 1.2%, and converting crypto costs 1%. The full list is on the [fees and limits](/en/fees-limits/) page.

## How to start

1. [Create an account](/en/getting-started/create-account/), through a referral link if you want one, because it can't be added later.
2. [Verify your identity](/en/getting-started/verify-identity/).
3. [Choose a virtual or physical card](/en/cards/virtual-vs-physical/).
4. [Deposit USDT](/en/deposits-withdrawals/deposit-crypto/) and pay.

Sources: RedotPay help-centre articles "RedotPay Services and Features", "Where Can I Use My RedotPay Card?", "Unsupported Countries/Regions" and "Location-Based Access Restrictions" (checked 31 Oct 2026).

Source: https://redotdocs.com/en/getting-started/what-is-redotpay/index.mdx