RedotPay vs Tria

Yearly cost at three spending levels

Yearly cost: conversion, FX, ATM and fixed fees minus cashback. A minus sign means cashback outweighs 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

Fees

RedotPay charges 1% to convert or top up and 1.2% on spending in a foreign currency. Tria charges 0% and 0%.

The conversion fee applies to every dollar you load, so Tria'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%; Tria 1% + $1.

A virtual card costs $10 with RedotPay and nothing with Tria. A physical card costs $100 and nothing.

Cashback and rewards

RedotPay cashback: 0% to 3%. Tria cashback: 1.5% to 6%.

RedotPay tiers: Standard: 0%; Pro ($12.90 a month): 3% on the first $600 a month, capped at $18 a month.

Tria tiers: Lite (virtual): 1.5% on the first $1,000 a month; Pro (plastic, $109 a year): 4.5% on the first $2,000 a month; Max (metal, $250 a year): 6% on the first $2,000 a month.

RedotPay: The standard card earns no cashback. RedotPay Pro ($12.90 a month or $129 a year) pays 3% on Apple Pay and Google Pay purchases, capped at 18 USDs a month; USDs can only be spent on future card transactions and expire after 30 days. Pro also waives the first card fee ($10 virtual on the monthly plan, $100 physical on the annual plan), and the annual plan adds fee-free ATM withdrawals up to $1,000 a month and +1% APY on RedotPay Earn. Separately, every card spend, referral and in-app mission earns RedotPay Points, which can only be redeemed for prize-draw tickets (prizes such as an iPhone or a PS5); points can't be cashed out and expire after 12 months.

Tria: Paid in USDT on Arbitrum in periodic batches, with a waiting period of up to 90 days. Tria renamed its tiers Lite, Pro and Max. Above the monthly spend cap the rate drops to 0.5% on Lite and 1% on Pro and Max, which this model does not capture. An active staking badge adds a boost within the cap. Cash withdrawals, transfers, wallet funding, gambling and vouchers earn nothing. The Pro and Max subscriptions below are the extra cost over the $25 virtual membership ($109 and $250 a year in total). Season 3 rates apply from 1 June 2026.

Availability and KYC

RedotPay is offered in 202 countries and territories and excludes 47, including India, Indonesia, Singapore, Turkey and United States.

Tria is offered in 223 countries and territories and excludes 26, including India.

RedotPay needs full KYC and Tria 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.

Tria publishes a daily spending limit of $1,000,000 and ATM withdrawals of up to $750 a day.

RedotPay works with Apple Pay and Google Pay, and Tria works with Apple Pay and Google Pay. RedotPay and Tria 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.

Tria scores 52/100. Licensing: we could not confirm a licence for the card issuer on its own website. 2026-08-28: An attacker exploited an authorization flaw in an older version of Rain's Solana card contract, which Tria's card programme used, and made $431,945 of unauthorized withdrawals affecting 636 Tria customers. Tria reimbursed affected users in full plus an extra 10%, and Rain says every programme on the vulnerable contract was upgraded. The same exploit hit Avici; about $1.1 million was taken across Rain-powered programmes. Tria's cards work as collateral-backed credit cards at 0% APR. Spending is secured by crypto in the user's own wallet, and a "Liquidation Event" sells collateral if charges go unpaid for one calendar day or the collateral value falls below the balance. International cards are issued by Nimbus, LLC, a Delaware company whose terms link to a privacy notice on legal.raincards.xyz. US cards are issued by "Third National". In Nigeria the card is marketed by BANEX Microfinance Bank, licensed by the Central Bank of Nigeria. Tria (Threely Dimensions, Inc.) says it "is not a bank, money services business, card issuer". No proof of reserves applies because Tria holds no customer assets. We found no official enforcement actions. The August 2026 Rain contract exploit is recorded under incidents.

Full reports: RedotPay safety check and Tria 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.

Tria Card (Global) is a self-custody Visa card from Nimbus, LLC (international cards); Third National (US cards). It tops up with USDT, USDC, BTC and ETH.

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.

Tria 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.
• You live outside the US and the handful of countries it excludes.
• You want a higher cashback ceiling (up to 6%).

Read more: RedotPay fees and details · Tria fees and details · RedotPay review · Tria review