Yearly cost at three spending levels
| Monthly spend | RedotPay | KOSH |
|---|---|---|
| $500 | -$146.40 Standard | ≤ -$14 Everyday |
| $2,000 | -$369.60 Standard | ≤ -$32 Everyday |
| $5,000 | -$816 Standard | ≤ -$68 Everyday |
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 | KOSH Everyday |
|---|---|---|
| Top-up and conversion fees | -$264 | $0 |
| Spending fees | $0 | $0 |
| Foreign exchange markup | -$57.60 | -$24 |
| ATM fees | -$48 | Not disclosed |
| Annual, monthly and subscription fees | $0 | -$8 |
| Cashback | $0 | $0 |
| Net per year | -$369.60 | -$32 |
Fees
RedotPay charges 1% to convert or top up and 1.2% on spending in a foreign currency. KOSH charges 0% and 0.5%.
The conversion fee applies to every dollar you load, so KOSH'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%; KOSH 1% + $1.
A virtual card costs $10 with RedotPay and nothing with KOSH. A physical card costs $100 and $80.
Cashback and rewards
RedotPay cashback: None. KOSH cashback: None.
RedotPay tiers: Standard: 0%.
KOSH tiers: Everyday: 0%.
KOSH: KOSH lists 10% reward points as coming soon. No reward is paid today.
Availability and KYC
RedotPay is offered in 202 countries and territories and excludes 47, including India, Indonesia, Singapore, Turkey and United States.
KOSH does not publish a country list. KOSH says it supports onboarding in 90+ countries without publishing the list.
RedotPay needs full KYC and KOSH 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.
KOSH publishes ATM withdrawals of up to $750 a day.
RedotPay works with Apple Pay and Google Pay, and KOSH works with Apple Pay and Google Pay. RedotPay issues 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.
KOSH scores 44/100. 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. KOSH (Piers Technology Inc.) says it is a financial technology company, not a bank or a money services business, and that some services are provided by licensed partners it does not name. It says stablecoin holdings sit with regulated custodians.
Full reports: RedotPay safety check and KOSH 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.
KOSH Card (formerly Copperx) is a custodial Visa card from KOSH (Piers Technology Inc., formerly Copperx). It tops up with USDC and USDT.
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.
KOSH fits if
- 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 · KOSH fees and details · RedotPay review