RedotPay New Contacts Feature: Connecting People, Not Just Wallets

What’s New

• Human-readable address book: Save names, profile photos, and multiple payment endpoints per person.
• One-tap Send/Request: Start a transfer from a contact card—no pasting addresses.
• Multiple rails per contact: Store card, wallet, bank, or on-chain details (where supported).
• Tags & notes: Group contacts (Family, Clients, Vendors) and add memo fields for context.
• Smart reminders: Nudge yourself (or the other party) for recurring payments or due invoices.
• Activity timeline: See messages, requests, and transfers with that contact in one place.
• Privacy & safety controls: Whitelists, blocklist, spend limits, and approval prompts.

Why It Matters

• Fewer errors: Reduce mis-sends caused by copying the wrong wallet address.
• Faster payouts: Repeat payments take seconds; you’ll stop hunting through chat logs.
• Clear records: Notes + timelines make reconciliations and disputes much simpler.
• Works across use cases: Friends splitting bills, freelancers invoicing, businesses scheduling payouts.

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Core Capabilities

1) Unified Contact Cards

Store multiple endpoints for each person: card, bank account (where available), and on-chain addresses across networks. Mark a default path per contact.

2) Send / Request / Split

• Send: choose amount → pick rail → confirm.
• Request: set amount + due date; contact receives a prompt to approve.
• Split: create a group, enter total, and auto-split with rounding options.

3) Tags, Notes & Search

• Tag contacts (e.g., Clients, Vendors, Family).
• Add memos per transfer (invoice #, project name).
• Search by name, tag, memo, or handle.

4) Reminders & Schedules

Schedule salary/retainer payouts, or set follow-up reminders for unpaid requests. Get alerts before due dates.

5) Safety & Privacy

• Whitelists: require extra approval for non-whitelisted recipients.
• Block & report: stop spam requests instantly.
• Visibility: choose whether others can find you via handle/QR.

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Set It Up

1. Update RedotPay → Contacts
2. Import or add your first contacts (name, handle, endpoints)
3. Set a default rail per contact (e.g., stablecoin on preferred network)
4. Tag (Clients/Vendors/Friends) and add a note (invoice terms, wallet network)
5. Enable safety options: whitelists, approval prompts, passkeys for high-risk actions

Pro tip: Add a “Self (Cold Wallet)” contact for quick transfers to your own addresses with memos like “savings” or “tax.”

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Everyday Use Cases

• Friends & family: Save frequent recipients, request bill splits, and set monthly reminders (rent, utilities).
• Freelancers & agencies: Create contact cards for clients, store invoice terms, and schedule retainers.
• Vendors & suppliers: Keep bank details and crypto addresses per vendor; add PO numbers in notes.
• Teams & DAOs: Build groups (Design, Growth, Ops) for batch payouts and labeled memos.
• Travel & gifts: Send small amounts across borders without re-entering details.

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Best Practices

• Verify once, use often: Confirm the first payment with a small test, then whitelist.
• Use tags consistently: Clients-2025, Vendors-EU, etc., for fast filtering.
• Memo everything: Add invoice numbers and project names for clean exports.
• Turn on passkeys & alerts: Approve sensitive actions with biometrics; get instant notifications.
• Review timelines monthly: Spot unusual activity and reconcile faster.

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FAQs

Do I need a RedotPay account to be added as a contact?
For on-platform transfers, yes. You can also store external endpoints (like wallets or bank details) for reference where supported.

Can I have multiple wallets per contact?
Yes—save multiple on-chain addresses and mark a default per network.

How are contacts protected?
Contacts and payment metadata follow your account’s security (encryption, passkeys/2FA, device checks). Use whitelists and approval prompts for extra safety.

What happens if a contact changes their address?
Update the contact card and mark the old address as inactive. Consider a small test transfer before large amounts.

Can I export contact activity?
Yes—download CSVs with memos/tags for accounting and audits.

Maximize Your Earnings: Exploring RedotPay’s Four Reward Programs

The Four Programs

Program	What it is	Payout cadence	Typical caps/notes	Best for
1) Card Cashback	% back on eligible card spend	Monthly/statement	Category/region exclusions may apply; FX/ATM don’t usually qualify	Daily shoppers, subscriptions, travel bookings
2) Flexible Earn	Variable rewards on supported assets	Daily/weekly display; periodic credit	Not guaranteed; withdrawals may affect accrual	Set-and-forget balances, short-term parking
3) Referral Rewards	Bonus for inviting verified users	After referee completes conditions	Per-referral cap; anti-abuse checks	Friends/teams rolling out RedotPay
4) Seasonal Boosters	Limited-time promos (e.g., extra cashback or Earn multipliers)	Promo window	Requires opt-in or code; T&Cs apply	Power users timing big purchases or top-ups

Availability, assets, and rates vary by region/tier. Always confirm inside the app before committing funds.

1) Card Cashback — Earn While You Spend

• How it works: Use your RedotPay virtual/physical card on eligible merchants and get a % back.
• What usually doesn’t count: Cash-like transactions, ATM withdrawals, certain MCCs, and dispute/refund amounts.
• Pro tips:
  • Put recurring subscriptions on the card to collect passive cashback.
  • If a merchant offers Dynamic Currency Conversion (DCC) at POS, choose local currency to avoid poor FX.
  • Track monthly caps and rotate spend across categories that earn the most.

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2) Flexible Earn — Put Idle Balances to Work

• How it works: Allocate supported assets to Earn; rewards are variable and displayed as rolling indicators (not guarantees).
• Liquidity: Withdraw anytime; moving funds out can pause/stop accrual for that portion.
• Risk notes: Returns can change, and capital is not guaranteed. Diversify and keep a spend buffer for daily use.
• Pro tips:
  • Automate a baseline allocation (e.g., stablecoins) and keep 7–14 days of expected spend unallocated.
  • Revisit allocation monthly; avoid frequent micro-moves that rack up network costs.

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3) Referral Rewards — Share & Earn Together

• How it works: Invite a friend; once they complete verification and a qualifying action (e.g., first top-up/spend), both parties can receive a bonus.
• Fair-use: Anti-abuse rules apply; duplicate accounts or inorganic behavior may void rewards.
• Pro tips:
  • Provide friends with a step-by-step (KYC, top-up, first purchase) so they don’t miss eligibility.
  • Time invites during Seasonal Boosters to increase total upside.

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4) Seasonal Boosters — Limited-Time Multipliers

• Examples: Extra cashback on select MCCs, temporary Earn multipliers, fee rebates, or “spend X get Y” challenges.
• Enrollment: Often requires opt-in or entering a promo code.
• Pro tips:
  • Batch larger purchases during promo windows.
  • Read the end date, eligible assets, and any per-user limits to avoid disappointment.

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Smart Stacking

Goal: Capture cashback on spend while letting non-spend balances earn in the background—then add boosters/referrals on top.

1. Route everyday spend → Card Cashback (subscriptions, travel, online marketplaces).
2. Park idle funds → Flexible Earn (keep a spend buffer to prevent forced withdrawals).
3. Invite teammates/family → Referral Rewards during months when you’ll spend more anyway.
4. Schedule big purchases → Seasonal Boosters to hit tiers/caps efficiently.

Fee awareness:

• FX & ATM costs don’t usually earn rewards; minimize unnecessary conversions.
• Prefer fewer, larger ATM withdrawals to reduce fixed operator fees.
• Compare swap vs. card FX before large overseas purchases.

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Example Playbooks

“Everyday Earner”

• Subscriptions + groceries on card → cashback
• Keep 70–80% of spare stablecoin balance in Earn
• Enable alerts; sweep excess into Earn weekly

“Traveler”

• Load card before trip; opt into travel boosters
• Use local currency at POS; minimize ATM usage
• Pause Earn on funds you’ll spend in the next 7–10 days

“Team Lead / Freelancer”

• Refer teammates/clients during promo period
• Keep payouts float in Earn until invoice day
• Tag transactions for reporting; export monthly

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FAQs

Are reward rates guaranteed?
No. Cashback categories and Earn indicators can change. Check the live terms in-app.

Do refunds affect rewards?
Yes—refunded or reversed transactions can reduce or claw back rewards.

Can I stack boosters with cashback/Earn?
Often yes, if the promo allows it. Read T&Cs for stacking and caps.

Any restrictions on referrals?
Legitimate, unique users only; completion of verification and qualifying actions is typically required.

Will moving funds in/out hurt my Earn?
Frequent micro-moves may reduce accrual and add network/friction costs. Rebalance in sensible chunks.

Crypto Card Security Made Easy: RedotPay’s New Card Privacy Controls

What’s New

• Mask Card Details: Hide full card number/CVV by default; reveal only when needed.
• One-Tap Freeze/Unfreeze: Lock your card instantly if something looks off.
• Merchant & Region Controls: Restrict by merchant category (MCC) or set geofencing rules to reduce misuse.
• Per-Use Spend Limits: Daily, per-transaction, and online-only caps to contain risk.
• Disposable Virtual Cards: Create single-use or short-lived numbers for trials and one-off purchases.
• Real-Time Alerts: Push/email notifications for approvals, declines, refunds, and profile changes.
• Stronger Approvals: Pair with passkeys / 3-D Secure for phishing-resistant confirmations.

Why Privacy Controls Matter

• Stops skimming & merchant leaks: Masked details and per-use limits minimize exposure.
• Prevents silent subscriptions: Disposable or merchant-locked virtual cards stop surprise renewals.
• Cuts false declines: Clear rules (MCC/region) tell the system what “normal” looks like for you.
• Speeds dispute resolution: Alerts + logs create a tight evidence trail.

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How to Use the New Controls

1. Open App → Card → Privacy & Controls
2. Toggle “Mask Card Details” (default on); tap to reveal when you need the number/CVV.
3. Set Limits:
   • Per-transaction cap
   • Daily/weekly ceiling
   • Online-only or card-present rules
4. Choose Where It Works:
   • MCC filters (e.g., allow travel, block gambling)
   • Regions (enable/disable countries/areas)
5. Create a Disposable Virtual Card for free trials or untrusted merchants; set an expiry.
6. Enable Alerts: approvals, declines, chargebacks, card-profile changes.
7. Security Boost: turn on Passkeys and keep 2FA as a fallback.

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Practical Playbooks

For Everyday Shopping

• Keep mask on, enable alerts, set a daily cap, and allow common MCCs only.
• When paying at new merchants, use virtual cards with short expiry.

For Travel

• Temporarily allow your destination region; keep ATM/foreign MCCs on, others minimal.
• Raise the per-transaction cap only for the trip, then revert.

For Subscriptions/Trials

• Use disposable virtual cards with a low monthly limit.
• If you cancel, delete or freeze that virtual card to stop future charges.

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Best-Practice Tips

• Maintain a balance buffer for pre-authorizations and FX swings.
• Keep passkeys on for password-less, phishing-resistant approvals.
• Review alerts & logs weekly to spot unusual activity.
• Store card details only in trusted devices/browsers; avoid screenshots of CVV.

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FAQs

Do privacy controls affect fees?
No—controls change how/where your card can be used, not pricing. Standard FX/ATM fees still apply.

What’s the difference between freeze and mask?
Freeze blocks all new transactions; mask only hides the visible card details.

Can I run multiple virtual cards at once?
Yes—assign different limits and MCC rules per card (e.g., “Travel,” “Subscriptions,” “Online-only”).

Will strict MCC/region rules cause declines?
If a merchant falls outside your rules, the payment is declined by design. Loosen rules temporarily when needed.

Do I still need 2FA/Passkeys?
Yes—privacy controls reduce exposure; passkeys/2FA protect account access and approvals.

RedotPay Integrates with TON Blockchain to Accelerate Crypto Payments

Why TON?

• Low fees for frequent moves — Ideal for topping up, swapping, and small payments.
• Speed at scale — High throughput helps during busy hours and payout runs.
• Telegram synergy — TON is tightly connected to the Telegram user base, enabling smoother onboarding for new payers.
• Stablecoin friendliness — Practical rails for stablecoin transfers used in daily spending.

What This Unlocks in RedotPay

1) Faster Card Top-Ups

Move funds on TON, then swap or load to your spend balance with fewer hops.

2) Cheaper P2P On-/Off-Ramps

Post buy/sell offers that settle on TON to minimize network costs and tighten spreads.

3) Quicker Merchant Payments

For gateways that accept TON rails, you can push payments with near-instant finality and clearer quotes.

4) Smoother Cross-Border Payouts

Batch disbursements to contractors/creators in supported corridors with predictable fees and fast receipt.

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Getting Started

1. Update the app and check that TON is enabled for your account.
2. Add a TON address (or connect a compatible wallet).
3. Fund with TON or supported stablecoins on TON. Start small to test settlement.
4. Swap (if needed) into your spend currency before card usage.
5. Transact: top up card, pay merchants, or move funds via P2P—then monitor confirmations and alerts.

Pro tip: Keep a tiny amount of native TON for network fees so your transactions never stall.

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Fees & Performance

• Network fee: Very low per transfer (varies with load).
• Gateway/spread: Still applies when swapping or cashing out.
• FX: Applies if you convert to another spend currency.
• Total cost of ownership: For frequent movers, TON often beats higher-fee chains—especially for micro-payouts and test transactions.

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Practical Use Cases

• Daily Spend Buffer: Receive funds on TON, swap to stablecoin, and keep a small card-ready balance.
• Micro-payouts: Reward creators/affiliates with small, frequent transfers without fee bloat.
• Refunds/Partials: Lower network costs make partial refunds less painful to execute.
• P2P Arbitrage: Tighter quotes when both sides prefer TON rails.

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Risk & Safety Notes

• Address hygiene: Double-check TON addresses; on-chain sends are final.
• Spam/scams: Verify handles/QRs inside the official app; avoid off-platform chats for P2P.
• Backup & recovery: Secure seed/recovery credentials for any external TON wallet you connect.
• Regional rules: On/off-ramp availability varies; confirm supported corridors before large transfers.

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FAQs

Do I need to hold TON to use it?
You’ll need a small amount of TON for network fees. For spending, you can still keep most value in stablecoins on TON.

Can I use TON for card top-ups?
Yes—when enabled in your account. Fund on TON, then swap or load to your card spend balance.

Is TON supported in P2P?
Where available, yes. Filter offers by network and settle directly on TON.

What about fees compared to other chains?
TON is generally low-fee. Your total cost also includes any swap spread, gateway charges, and FX if you convert.

Will this change my limits?
Card and payout limits are tied to your tier/BIN and compliance profile, not the chain itself.

Industries Embracing Crypto Payments: Spend Bitcoin and More

Why Companies Say Yes to Crypto

• 24/7 settlement: No banking hours; faster cash flow.
• Global by default: Sell to customers who can’t use cards or local rails.
• Cost control: Competitive vs. international card fees and cross-border wires.
• Programmable money: Easier payouts, revenue sharing, and escrow flows.
• New customers: Crypto-native buyers who prefer digital assets.

Industries Leading the Charge

Industry	Common Use Cases	Why Crypto Helps	What to Watch
E-commerce & Marketplaces	Carts, subscriptions, high-ticket items	Global reach, lower cross-border friction	Refund & dispute policy; auto-convert to stablecoins
Travel & Hospitality	Flights, hotels, tours, car rentals	International customers, fast deposits	Pre-auths, security deposits, FX handling
Gaming & Esports	In-game purchases, skins, tournament fees	Global micro-payments, instant settlement	Fraud controls, underage policies, regional rules
Freelancers & Creators	Design/dev, writing, content, royalties	Faster payouts, fewer platform cuts	Invoices, tax records, clear SLA terms
Software & SaaS	Seats, credits, API fees	Programmable billing, automated renewals	Recurring billing logic, dunning flows
Education & E-learning	Courses, bootcamps, tutoring	Global access, scholarships via stablecoins	Refund windows, identity checks
Nonprofits & Communities	Donations, emergency funds, DAOs	Transparent treasuries, low overhead	On/off-ramp options, local compliance
Cross-Border Payroll & BPO	Contractor payments, gig economy	Near-instant, predictable stablecoin rails	KYB, KYC, approval workflows

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Bitcoin vs Stablecoins vs Altchains

• Bitcoin (BTC): Strong brand and security; best for one-off, higher-value payments. Network fees/confirmation times can vary.
• Stablecoins (e.g., USD-pegged): Best for daily spending and B2B—price stability, quick settlement, simpler accounting.
• Altchains/L2s: Lower fees and faster blocks; ensure your wallet, gateway, and off-ramp support the same networks.

Rule of thumb: For everyday commerce, lead with stablecoins on a low-fee network; accept BTC as an option for customers who prefer it.

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How Merchants Accept Crypto

1. Hosted Checkout (simplest)
   • Share a payment link/QR; gateway handles addresses and rates.
   • Pros: fastest setup; minimal tech.
   • Cons: less customizable UX.
2. Plugins (Shopify/Woo/etc.)
   • Drop-in plugins for carts and subscriptions.
   • Pros: tight storefront integration; reporting.
   • Cons: plugin maintenance; gateway lock-in.
3. Direct API / Custom Flow
   • Build your own checkout, webhooks, and reporting.
   • Pros: full control, programmable flows.
   • Cons: developer time; more responsibility.

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Fees, FX & Settlement

• Network fee: The cost to move funds on the chain (varies by network/time).
• Gateway fee: Your payment provider’s take rate; compare % + fixed.
• FX/spread: If auto-converting to fiat or between crypto assets.
• On/off-ramp costs: Moving funds to a bank or card program.
  Pro tip: For recurring payments, batch payouts and schedule during low-congestion hours.

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Risk & Compliance

• KYC/KYB ready: Higher limits and safer corridors.
• Refund policy: On-chain is final; refunds are new transactions—write it clearly.
• Address hygiene: Use whitelists/saved recipients; double-check before sending.
• Fraud controls: Velocity checks, device risk, and step-up auth for suspicious orders.
• Reporting: Tag orders with memos/IDs; export CSVs for accounting and tax.

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Getting Started — Buyer’s Checklist

• Wallet: Choose one with biometrics, clear recovery, and stablecoin support.
• Security: Enable passcode/2FA; never share seed phrases; beware phishing.
• Test payment: Try a small transaction first; confirm receipt.
• Cash-out plan: Know your P2P/off-ramp or card route ahead of time.
• Keep records: Download receipts; tag transactions for taxes and refunds.

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Getting Started — Merchant Checklist

• Pick a gateway that supports stablecoins and your target networks.
• Decide settlement (keep stablecoins vs. auto-convert to fiat).
• Price display in local currency; gateway handles conversion.
• Set policies for refunds, under/over-payments, and charge disputes.
• Automate ops: Webhooks for “paid,” dunning rules for subscriptions, batch payouts for contractors.

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FAQs

Are crypto payments legal?
Generally permitted with conditions; follow your local regulations and choose compliant gateways.

Which crypto should I accept first?
Start with stablecoins; add BTC for customer preference.

Can I do chargebacks?
On-chain transfers are final. Use clear refund/replacement policies and optional escrow for high-risk orders.

How do I handle subscriptions?
Use gateways that support recurring invoices or card-like tokenization with crypto rails.

What about accounting?
Export reports from your gateway; tag transactions to orders; reconcile monthly.

Is Crypto Payment the Future? Pros, Cons, and How to Get Started

Why Crypto Payments Matter

• 24/7, near-instant settlement: No banking hours; transactions clear quickly.
• Borderless by default: Pay or get paid across countries without separate accounts.
• Lower fees (often): Fewer intermediaries for remittances and micro-payments.
• Programmable money: Automate payouts, revenue share, and escrow with smart contracts.
• Open ecosystem: Interoperable wallets, on/off-ramps, and DeFi services.

Best experience today: stablecoins on low-fee networks for everyday spend and B2B flows.

Pros & Cons at a Glance

Pros

• Speed: Minutes or seconds instead of days.
• Cost: Competitive for remittances, payouts, and cross-border commerce.
• Access: Only a smartphone and internet needed.
• Control: Self-custody possible; fewer chargeback surprises.
• Innovation: Split payments, automations, and programmable invoices.

Cons

• Volatility (non-stable coins): Price swings can wipe margins—use stablecoins for payments.
• Regulatory variance: Rules differ by country; KYC/AML applies to most gateways.
• UX gaps: Recovery phrases, network choices, and gas fees can confuse beginners.
• Irreversibility: Typos and wrong addresses can’t be “undone” easily.
• Tax/accounting: Extra steps to track cost basis in some jurisdictions.

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Where Crypto Payments Shine

• Remittances & global payroll: Send faster with stablecoins; recipients cash out locally.
• B2B cross-border invoices: Reduce wire delays and minimize FX slippage.
• Creator & gig economy payouts: Micro-earnings and instant settlement.
• E-commerce & subscriptions: Card alternatives for regions with low card penetration.
• Nonprofit & community funds: Transparent treasuries and auditable disbursements.

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Myths vs Reality

• “Crypto is only for speculation.”
  Reality: Stablecoins are built for spending and settlement, not price bets.
• “Fees are always high.”
  Reality: Choose the right network (e.g., low-fee L2s) and fees can be cents.
• “It’s anonymous.”
  Reality: Most flows are pseudo-anonymous and traceable; compliance still applies.
• “Merchants must hold volatile assets.”
  Reality: You can auto-convert to stablecoins or fiat at acceptance.

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How to Get Started

1. Pick a trusted wallet (mobile app with clear recovery and biometrics).
2. Use stablecoins for daily payments (reduce volatility).
3. Fund safely: test with a small amount first (P2P, exchange, or on-ramp).
4. Security basics: enable passcode/biometrics + 2FA, and back up recovery credentials securely.
5. Practice a test payment (scan a QR / send to a known contact).
6. Cash-out plan: know your local off-ramp or card route in advance.

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How to Start Accepting Crypto

1. Choose a gateway (custodial or non-custodial) that supports stablecoins and your region.
2. Decide settlement: keep funds in stablecoins or auto-convert to local currency.
3. Integrate checkout: hosted page, plugins (Shopify/Woo), or API for custom flows.
4. Price display: show totals in local currency; the gateway handles conversion.
5. Accounting & tax: pull reports from your gateway; tag transactions by order ID.
6. Fraud & refunds: set clear refund policies; consider using escrow for high-value orders.

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Picking Networks & Fees

• Prefer low-fee chains/L2s supported by your wallet and on/off-ramp.
• Avoid bridging unless needed; each hop adds delay and risk.
• Batch payouts to save fees; schedule during low-congestion windows.

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Safety & Compliance Checklist

• Use whitelists and saved recipients for repeat payments.
• For businesses, complete KYC/KYB and configure team roles/approvals.
• Turn on alerts for large or unusual transactions.
• Keep clean records for audits and refunds.
• Educate staff on phishing and address-confirmation steps.

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FAQs

Are crypto payments legal?
Usually permitted with conditions; specifics vary by country. Use compliant gateways and follow KYC/AML rules.

Which crypto is best for paying?
Stablecoins (e.g., USD-pegged) on low-fee networks are most practical.

Can I reverse a crypto payment?
On-chain transfers are final; refunds must be sent as a new transaction.

Do I need a bank account?
Not to hold or send crypto, but many off-ramps and gateways require linked bank details for fiat settlement.

What about chargebacks?
On-chain payments don’t have card-style chargebacks; set clear refund policies and use escrow for higher risk orders.

How to Apply for a RedotPay Crypto Card?

What You’ll Need

• Valid government ID (passport or national ID)
• Selfie/biometric scan (done in-app)
• A working phone number & email

Step-by-Step: Apply in Minutes

1. Get the App & Create an Account
   • Use your real name (must match your ID).
2. Complete KYC
   • Scan your ID + selfie; upload proof of address if requested.
   • Keep lighting good; ensure edges of the document are visible.
3. Choose Your Card Type
   • Virtual Card (fastest start for online & subscriptions).
   • Physical Card (in-store + ATM access; shipping required).
4. Agree to Terms & Fees
   • Review application fees and transaction policies.
5. Fund Your Balance
   • Add funds via supported methods (on-chain, exchange top-ups, bank rails where available).
6. Activate & Secure
   • Set card controls, enable passkeys/2FA, and turn on spend alerts.
7. Start Spending
   • Add virtual card to Apple/Google Pay (if supported) or use card details online.
   • For physical card: set PIN (if prompted) and test a small purchase.

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Virtual vs Physical Card

Feature	Virtual Card	Physical Card
Best for	Online shopping, subscriptions, travel bookings	In-store POS, ATM cash access
Time to start	Minutes after verification	Shipping required (varies by region)
Mobile wallets	Apple/Google Pay (where supported)	Apple/Google Pay (where supported)
Typical costs to watch	FX on non-base currency, top-ups	FX, top-ups, ATM fees & limits
Controls	Freeze/limits/alerts in-app	Freeze/limits/alerts in-app

Tip: Many users start with Virtual for instant access, then add Physical as a travel/ATM backup.

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Fees & Limits

• Application fees: Virtual vs Physical differ (check your in-app pricing).
• FX/settlement fees: Apply to non-base currency transactions.
• ATM fees: Per-withdrawal + possible operator fees (physical card only).
• Limits: Per-transaction, daily, and ATM limits depend on BIN/tier.
  Pro move: Make fewer, larger ATM withdrawals to minimize fixed fees.

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Approval Timeline — What to Expect

• KYC review: Often minutes to a few hours (varies).
• Virtual Card: Usually available shortly after KYC approval.
• Physical Card: Production + shipping depends on destination and courier.

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Avoid Delays & Declines

• Name on account matches ID exactly
• Crisp, glare-free ID photo; no fingers covering edges
• Proof of address dated within the last 90 days (if requested)
• Use a stable network during upload; allow camera permissions
• Keep a balance buffer for FX swings & pre-authorizations
• If a payment fails at POS, try contactless → insert → mobile wallet

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After Approval: Do These 7 Things

1. Enable Passkeys (password-less, phishing-resistant) and keep 2FA as fallback
2. Turn on Spend Alerts (instant push/email)
3. Set Limits & Regions (card controls)
4. Add to Apple/Google Pay (if supported)
5. Label Transactions (memos/tags for reports)
6. Create a Travel Profile (keep a small cash/ATM backup if needed)
7. Save Emergency Actions (Freeze/Unfreeze shortcuts)

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Common Questions (FAQs)

Do I need crypto to apply?
No. You can fund through supported alternatives where available; crypto is just one option.

Can I hold multiple currencies?
Yes, with a multi-currency wallet setup (availability varies by region).

Is the card available everywhere?
Coverage varies by country and product tier. The app will show availability during onboarding.

How do refunds work?
Refund timing depends on the merchant and network. Keep receipts and monitor your statement.

Can businesses apply?
Yes—KYB is available. Business limits and controls differ from personal accounts.

Boosting Security with RedotPay’s New Passkey Feature for Crypto Card

What Is a Passkey?

A passkey is a cryptographic credential stored on your device (or synced securely via your platform account). Instead of typing a password or waiting for an SMS code, you approve with your device biometric. The website/app never sees your private key—only a one-time proof that you’re you.

Why it’s better than passwords/SMS:

• Phishing-resistant: Only the real RedotPay domain/app can request your passkey.
• No SMS interception: No SIM-swap or OTP forwarding risk.
• Faster sign-ins: Tap your biometric; you’re in.
• Fewer resets: No password to forget or leak.

What You Can Protect with Passkeys

• Account sign-in to RedotPay
• High-risk actions (e.g., creating a new virtual card, changing limits)
• Payment approvals and card freeze/unfreeze
• Payouts and KYC changes (where policy requires step-up authentication)

(Exact flows may vary by region and your risk settings.)

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How Passkeys Work

1. Register a passkey in your RedotPay security settings.
2. Your device creates a key pair and keeps the private key locally (or in your platform’s secure enclave).
3. When RedotPay asks you to authenticate, your device signs a one-time challenge.
4. RedotPay verifies the signature with your public key and completes the action—no password, no SMS.

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Setup Guide

1. Update the app to the latest version.
2. Go to Settings → Security → Passkeys.
3. Tap Create Passkey and follow the prompt (Face ID, Touch ID, device PIN).
4. Test sign-in on your current device.
5. (Optional) Add a second device (e.g., laptop browser) for redundancy.

Pro tip: Keep 2FA enabled (e.g., authenticator app) as a fallback second factor.

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Compatible Devices & Browsers

• iOS / iPadOS with Face ID/Touch ID (iCloud Keychain sync)
• Android with screen lock/biometrics (Google Password Manager sync)
• Desktop browsers supporting WebAuthn (Chrome, Safari, Edge, Firefox with platform authenticator)
• Security keys (e.g., YubiKey) if you prefer a portable hardware passkey

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Backup & Recovery Best Practices

• Enable cloud sync (iCloud/Google) for cross-device availability.
• Add at least two authenticators: your phone + a hardware key or a second device.
• Maintain fallback: keep an authenticator app or recovery codes if RedotPay provides them.
• If you lose a device: remove its passkey from Settings → Security → Devices/Passkeys immediately.

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Everyday Tips for Cardholders

• Use passkeys for daily sign-ins—it’s both faster and safer.
• Require passkey step-up for limit changes and new device logins.
• Keep spend alerts on; investigate any unknown approvals.
• When traveling, bring a backup authenticator (spare phone/security key).

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FAQs

Do passkeys replace 2FA?
They can—passkeys are strong authentication. Still, we recommend keeping a secondary method during the transition.

Can I use passkeys on multiple devices?
Yes. Register passkeys on each device you use or enable cloud sync so your passkeys follow you.

What if my phone is lost?
Sign in on another trusted device, remove the lost device’s passkey, and add a replacement. Contact support if you’re locked out.

Are passkeys stored by RedotPay?
No. RedotPay stores only your public key; your private key never leaves your device.

Do passkeys work offline?
Authenticating requires a network connection to complete the challenge with RedotPay.

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Why This Matters for Crypto Cards

Crypto card accounts are frequent targets for phishing and SIM-swap scams. Passkeys neutralize both vectors, cutting fraud and reducing false declines triggered by risk reviews—so you get safer approvals and smoother checkouts.

Customizable Homepage: RedotPay Makes Crypto Payments Easy

Why a Customizable Homepage Matters

• Fewer taps = faster checkout: Put high-frequency actions at the top.
• Focus on what you use: Hide what you don’t need; avoid screen clutter.
• Better money decisions: See balances, recent activity, and alerts at a glance.
• Consistency across trips and time zones: Your layout stays the same, so you don’t hunt for buttons on the go.

Key Features

• Quick Actions: Pay (QR/NFC), Add Funds, Swap, Send, Request, Withdraw, Card Freeze/Unfreeze.
• Balance Blocks: Show crypto + local currency side by side; pick your default spend currency.
• Smart Widgets: Recent transactions, rewards/Earn status, card limits, payout drafts, fee notices.
• Alerts & To-Dos: KYC reminders, spend alerts, refund updates, and step-up verification prompts.
• Shortcuts: One-tap to Virtual Card details, P2P Marketplace, or Global Payout runs.

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Set It Up

1. Long-press or tap “Customize” on the home screen.
2. Choose your layout: grid or list; drag to reorder tiles.
3. Pin your essentials: Pay, Add Funds, Swap, Send, Virtual/Physical Card controls.
4. Add smart widgets: balances, recent activity, Earn, alerts.
5. Save—your layout syncs to the cloud and follows you on all devices.

Pro tip: Put Pay and Card Freeze in the first row; keep Swap and Add Funds together to prep before checkout.

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Everyday Use Cases

• Subscriptions & online shopping: Virtual card + alerts pinned up top for quick approvals.
• Travel days: Pay, Swap (to stablecoin/FX), and ATM finder/limits visible on one screen.
• Freelancers/teams: Global Payout drafts and Request Payment front and center on payday.
• Security-first users: Always-on Freeze Card, device alerts, and spending caps in the first row.

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Best Practices

• Keep 3–5 tiles in the top row—speed beats clutter.
• Enable spend alerts and biometric unlock.
• Review limits monthly; set a small buffer to avoid declines.
• When abroad, pin a “Local vs Base Currency” reminder widget to dodge DCC mistakes.
• Use labels/tags in recent transactions for easier reports later.

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FAQs

Is the homepage layout saved across devices?
Yes—your layout syncs to your account, so it persists when you switch phones.

Can I hide features I don’t use?
Yes—toggle off modules you rarely use (e.g., P2P or Credit) to reduce clutter.

Will customization affect fees or limits?
No—layout changes are purely UX. Fees and limits depend on your profile and region.

Can teams customize together?
Each user configures their own view. Admins can still enforce limits/approvals.

Empowering the Unbanked with Crypto: A New Era of Financial Inclusion

The Problem: Why Traditional Finance Leaves People Out

• High fees & minimum balances put basic accounts out of reach.
• Geography & documentation barriers block access to branches or ID requirements.
• Slow, limited hours restrict urgent payments and remittances.
• Cash-only risks: theft, no transaction records, no path to credit history.

The Crypto Advantage

• Borderless & 24/7: Send and receive value anytime, anywhere.
• Lower costs: Fewer intermediaries → cheaper remittances and micropayments.
• Mobile first: A smartphone + internet = access to a full money stack.
• Programmable money: Automate savings, payouts, and micro-earnings.
• Open rails: Interoperate with multiple wallets, apps, and services.

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Why Stablecoins Matter Most

• Price stability: Pegged to fiat, easier for daily spending and savings.
• Fast remittances: Settlement in minutes instead of days.
• Better records: Digital trails help build a basic financial footprint.
• Gateway to services: Swap, earn, or cash out via local partners (where supported).

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Real-World Use Cases

1. Cross-border remittances
   • Migrant workers send stablecoins home; families cash out locally.
   • Lower fees, faster access to emergency funds.
2. Micropayments & gig income
   • Pay creators, drivers, and freelancers instantly—even tiny amounts.
   • Useful for task apps, tutoring, or community commerce.
3. Merchant acceptance without terminals
   • QR or wallet-to-wallet payments; no POS hardware needed.
   • Small shops can accept digital money with a phone.
4. Savings & budgeting
   • Segment balances in-app; set rules to auto-save or lock funds for bills.
   • Replace informal “cash jars” with digital envelopes.
5. Community treasuries & co-ops
   • Transparent funds for village projects, school fees, or emergencies.
   • Shared custody and audit trails build trust.

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Risks & How to Mitigate Them

• Volatility (non-stable assets): Favor stablecoins for daily needs.
• Scams & phishing: Use official apps, enable 2FA, never share codes/seed phrases.
• Self-custody mistakes: Start with managed wallets if new; learn backups later.
• Regulatory differences: Check local rules on holding, spending, or cashing out.
• FX & cash-out costs: Compare routes (P2P vs. partner agents) before sending.

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A Practical Starter Playbook (For First-Time Users)

1. Choose a reputable wallet (mobile app with clear recovery options).
2. Verify your identity if required—unlocks higher limits and safer corridors.
3. Add funds using a low-fee route (on-chain, P2P, or partner top-ups).
4. Test with small amounts before sending more.
5. Enable security: 2FA, device lock, alert notifications.
6. Plan cash-out: identify local methods (P2P or partner outlets).
7. Keep records: screenshots/receipts help with disputes and budgeting.

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What Makes a Good “Inclusion-Ready” Crypto App

• Low, transparent fees with quotes before you confirm.
• Stablecoin support on low-cost networks.
• Local cash-out options or partner agents (where allowed).
• Safety features: spend limits, freeze, alerts, and easy dispute paths.
• Simple UX: QR payments, saved contacts, and language options.
• Education inside the app: scam warnings, best practices, and tooltips.

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Measuring Impact

• Cost per $100 remitted vs. legacy methods.
• Settlement time to family members’ hands.
• Merchant acceptance growth (QR stickers, wallet installs).
• User safety metrics: scam rate, dispute resolution time.
• Financial footprint: receipts and histories used for micro-credit.

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FAQs

Is crypto safe for first-time users?
It can be—choose reputable apps, enable 2FA, and start small. Avoid sharing codes or keys.

Which crypto is best for daily use?
Stablecoins are usually best for spending and savings due to price stability.

How do people cash out?
Through P2P marketplaces, local partners/agents, or linked cards—availability varies by region.

Do I need a bank account?
Not necessarily. Many routes allow top-up and cash-out without a traditional bank, where permitted.

What about fees?
They vary by network and provider. Always review the live quote before you confirm.