Yearly cost at three spending levels
| Monthly spend | RedotPay | Bleap |
|---|---|---|
| $500 | -$146.40 Standard | ≤ $0 Standard |
| $2,000 | -$369.60 Standard | ≤ $0 Standard |
| $5,000 | -$816 Standard | ≤ $0 Standard |
Net value per year: cashback minus conversion, FX, ATM and fixed fees. US dollars, 20% foreign spending, one $200 ATM withdrawal a month. The card cost calculator runs the same comparison with your own habits.
Where the money goes at $2,000 a month
| Line | RedotPay Standard | Bleap Standard |
|---|---|---|
| Top-up and conversion fees | -$264 | $0 |
| Spending fees | $0 | $0 |
| Foreign exchange markup | -$57.60 | $0 |
| ATM fees | -$48 | Not disclosed |
| Annual, monthly and subscription fees | $0 | $0 |
| Cashback | $0 | Not disclosed |
| Net per year | -$369.60 | $0 |
Fees
RedotPay charges 1% to convert or top up and 1.2% on spending in a foreign currency. Bleap charges 0% and 0%.
The conversion fee applies to every dollar you load, so Bleap's lower rate matters most for everyday spending in your home currency. On $1,000 of spending, the gap is $10.
ATM withdrawals: RedotPay 2%; Bleap not disclosed.
A virtual card costs $10 with RedotPay and nothing with Bleap. A physical card costs $100 and nothing. Neither card has an annual fee on its base tier.
Cashback and rewards
RedotPay cashback: None. Bleap cashback: Variable, not published.
RedotPay tiers: Standard: 0%.
Bleap tiers: Standard: rate not published.
Bleap: Up to 20% cashback in USDC on eligible categories, including gaming, AI subscriptions, streaming, food delivery, restaurants and everyday spending. Bleap does not publish the rate for each category.
Availability and KYC
RedotPay is offered in 202 countries and territories and excludes 47, including India, Indonesia, Singapore, Turkey and United States.
Bleap does not publish a country list. Bleap says the card is available to residents of the European Economic Area and Latin America, without publishing a country list.
RedotPay needs full KYC and Bleap needs full KYC.
The card finder checks both cards against your country, KYC level and must-have features.
Limits, wallets and card types
RedotPay publishes a daily spending limit of $1,000,000 and ATM withdrawals of up to $3,750 a day.
Bleap does not publish fixed spending or ATM limits.
RedotPay works with Apple Pay and Google Pay, and Bleap works with Apple Pay and Google Pay. RedotPay and Bleap issue a virtual card you can use straight away.
Custody and safety
RedotPay scores 74/100. Licensing: holds a licence or registration outside the tier-one list (Hong Kong Money Lender (No. 1715/2025) and Trust or Company Service Provider licences; Argentina VASP (CNV PSAV No. 144); Lithuania VASP registration (RedotX, UAB); Canada MSB; US FinCEN MSB). No incidents or enforcement actions found in the last 36 months. Client digital assets are held in segregated wallets with Cactus Custody, a Hong Kong trust company (licence TC006789), covered by US$50 million crime and specie insurance, per the custodian's announcement quoting RedotPay's CEO. RedotPay's general terms name Red Dot Trust Limited, a Hong Kong trust company, as custodian of user accounts. We could not find a published proof-of-reserves report.
Bleap scores 60/100. Licensing: we could not confirm a licence for the card issuer on its own website. No incidents or enforcement actions found in the last 36 months. Bleap says its account is built on a non-custodial MPC wallet, so it never holds user assets. It does not name its card issuer on the card page.
Full reports: RedotPay safety check and Bleap safety check.
About each card
RedotPay Card (Global) is a custodial Visa card from RedotPay group (Red F. Technology Limited, Hong Kong). It tops up with USDT, USDC, BTC and ETH.
Bleap Card is a self-custody Mastercard from Bleap. It tops up with USDC and its balance is held in EUR.
Which card fits you
RedotPay fits if Recommended
- You live outside the US and the handful of countries it excludes.
- You weigh licensing and fund segregation heavily, since it scores higher on our safety check.
Bleap fits if
- You want to keep crypto in your own wallet until each payment.
- You spend in foreign currencies often, since its FX markup is lower.
- Most of your spending is in your home currency, where its lower conversion fee counts most.
Read more: RedotPay fees and details · Bleap fees and details · RedotPay review