# RedotPay review: KYC policy, privacy and safety grades > RedotPay is a card. Its terms put it at KYC level 4 of 4: ID mandatory. NoKYC Score grades it 0.6/10 for privacy (poor) and 4.3/10 for safety (caution). In its favour: company named. To watch: it may ask for ID and holds your funds while you use it. No incidents are on record. Source: NoKYC Score, "RedotPay review", reviewed 23 Oct 2026, https://nokycscore.com/service/redotpay ## Key facts - **Category:** Crypto Cards - **KYC level:** 4 of 4: ID mandatory - **Grades:** Privacy 0.6/10, Safety 4.3/10 - **Custody:** custodial - **Jurisdiction:** Hong Kong - **Incidents on record:** 0 - **Last reviewed:** 23 Oct 2026 - **Official website:** https://www.redotpay.com ## What it is RedotPay offers virtual and physical stablecoin-funded cards, a custodial crypto account, swaps, P2P and crypto-backed credit through an app. Its help centre states that identity checks are required before RedotPay can be used, covering personal details, a photo of an original ID, a face scan, residential address and a short questionnaire, with source-of-funds documents on request. The general terms name a group of companies including Red F. Technology Limited and Red Dot Technology Limited (Hong Kong), entities in Argentina and Panama, and Red Dot Payment Inc. (Montana, United States). Its card issuance restrictions page lists the United States among the places where RedotPay services are unavailable. ## What the terms say about ID Help centre: "Identity checks are required before you can use RedotPay" (ID document, face scan and address). ## Features and warnings - **Identity:** ID never required: no; No account needed: not stated; No email needed: not stated; No phone number: not stated - **Payment:** Accepts Monero: not stated; Accepts Lightning: not stated; Accepts cash: not stated - **Access:** Tor onion address: not stated; Works without JavaScript: not stated - **Trust:** Never holds your funds: no; Independent audit: not stated; Company named: yes; 5+ years operating: not stated - **Warnings:** May ask for ID: yes; Screens deposits: not in terms; Passes orders to partners: not in terms; Holds your funds: yes; Email required: not in terms; Phone number required: not in terms; Nobody accountable: not in terms ## Questions ### Does RedotPay require KYC? RedotPay is rated KYC level 4 of 4 on this site: ID mandatory. Help centre: "Identity checks are required before you can use RedotPay" (ID document, face scan and address). ### Is RedotPay safe to use? RedotPay has a Safety grade of 4.3 out of 10 and a Privacy grade of 0.6 out of 10. No incidents are on record. Evidence level: documentation reviewed. ### Is RedotPay legit? RedotPay is a working card. It publishes the company that runs it, in Hong Kong. Being real is not the same as being safe: its Safety grade here is 4.3 out of 10, built from custody, liquidity, track record and incidents. ### Is RedotPay a scam? NoKYC Score does not label services as scams; it records documented incidents with their sources and outcomes. No incidents are on record for RedotPay. Its terms also allow it to hold a flagged deposit and ask for identity documents. ### Does RedotPay have a Tor onion address? No official onion address was found on RedotPay's own pages. ### Is RedotPay custodial? Yes. RedotPay holds funds during a trade, which means it is able to delay or freeze them. ### Can I use RedotPay over Tor? RedotPay does not publish an official onion address. ## Sources - https://www.redotpay.com/ - https://www.redotpay.com/terms/general - https://helpcenter.redotpay.com/en/articles/10339261-how-to-verify-your-identity - https://helpcenter.redotpay.com/en/articles/10920717-identity-verification-requirements - https://helpcenter.redotpay.com/en/articles/14254838-card-issuance-restrictions How grades are calculated: https://nokycscore.com/methodology