Yearly cost at three spending levels
| Monthly spend | RedotPay | Exa Card |
|---|---|---|
| $500 | -$146.40 Standard | -$45.60 Standard |
| $2,000 | -$369.60 Standard | -$99.60 Standard |
| $5,000 | -$816 Standard | -$207.60 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 | Exa Card Standard |
|---|---|---|
| Top-up and conversion fees | -$264 | $0 |
| Spending fees | $0 | $0 |
| Foreign exchange markup | -$57.60 | -$72 |
| ATM fees | -$48 | -$27.60 |
| Annual, monthly and subscription fees | $0 | $0 |
| Cashback | $0 | $0 |
| Net per year | -$369.60 | -$99.60 |
Fees
RedotPay charges 1% to convert or top up and 1.2% on spending in a foreign currency. Exa Card charges 0% and 1.5%.
The conversion fee applies to every dollar you load, so Exa Card'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%; Exa Card no atm access (virtual card only).
A virtual card costs $10 with RedotPay and nothing with Exa Card. A physical card costs $100 and an undisclosed fee. Neither card has an annual fee on its base tier.
Cashback and rewards
RedotPay cashback: None. Exa Card cashback: None.
RedotPay tiers: Standard: 0%.
Exa Card tiers: Standard: 0%.
Exa Card: The Exa Card has no cashback program. Visa Signature benefits apply instead (purchase protection, car rental cover, Visa Airport Companion with pay-per-use lounges, concierge). Idle balances earn a variable yield in Exactly Protocol. Pay Later splits purchases into up to 8 fixed-rate installments paid in USDC, and the interest rate is set at purchase.
Availability and KYC
RedotPay is offered in 202 countries and territories and excludes 47, including India, Indonesia, Singapore, Turkey and United States.
Exa Card is offered in 46 countries, including Argentina, Australia, Brazil, Malaysia, Mexico, Philippines, Singapore, South Africa, United Arab Emirates and United States. US residents only in 31 listed states (not, for example, Georgia, Ohio, Washington or Oregon). No EU, EEA or UK countries are eligible. Nigeria is left out because the eligibility page says it "requires conditional approval" while the prohibited-countries list (15 January 2026) bans it. Exa's own help center also claims the card is "available in 180+ countries", which the published list does not support. In the US the card is also offered through Uphold.
RedotPay needs full KYC and Exa Card 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.
Exa Card publishes ATM withdrawals of up to $1,000 a day.
RedotPay works with Apple Pay and Google Pay, and Exa Card works with Apple Pay and Google Pay. RedotPay and Exa Card 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.
Exa Card scores 75/100. Licensing: holds a licence or registration outside the tier-one list (Card issued by Nimbus LLC dba Third National, licensed as a Money Transmitter by the Commissioner of Financial Institutions of Puerto Rico (licence TM-0207, NMLS 2612780). Exa Labs S.A.S. is the program manager and says it "does not issue or manage payment instruments"; its help center gives Rain's legal address as the card's billing address.). The card is issued through Nimbus LLC dba Third National. 2023-08-18: Exactly Protocol, which runs the card's credit and yield, was exploited through its DebtManager contract on Optimism. 117 accounts lost a combined $7,612,038 and the protocol was paused. Exa Labs S.A.S. is a Uruguayan company. The card is legally a credit card with no set credit line, and the issuer's terms say it has no relationship with Exactly Protocol. Your wallet is a passkey-secured smart contract account on OP Mainnet with no seed phrase. In Pay Later mode each purchase is a loan against your deposited crypto, which can be liquidated if its value falls. The 2023 exploit hit the protocol's leverage feature, not the card, which launched later. No regulator warning or enforcement action against Exa Labs or Exactly Protocol was found.
Full reports: RedotPay safety check and Exa Card 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.
Exa Card (Exactly) is a self-custody Visa card from Exa Labs S.A.S. (Exa Card program). It tops up with USDC, ETH, WBTC, wstETH and OP.
Which card fits you
RedotPay fits if Recommended
- You spend in foreign currencies often, since its FX markup is lower.
- You live outside the US and the handful of countries it excludes.
Exa Card fits if
- You want to keep crypto in your own wallet until each payment.
- Most of your spending is in your home currency, where its lower conversion fee counts most.
- You weigh licensing and fund segregation heavily, since it scores higher on our safety check.
Read more: RedotPay fees and details · Exa Card fees and details · RedotPay review