RedotPay 101: Get to Know Your Multi-Currency Wallet

RedotPay’s Multi-Currency Wallet is your day-to-day hub for money: keep balances in multiple currencies (including stablecoins where supported), swap with a live quote, reload your card instantly, and send payouts to bank rails in supported corridors. Use smart controls, passkeys, and alerts to stay safe and lower total costs.

What the Multi-Currency Wallet Does

• Hold multiple currencies side-by-side for everyday spend and travel.
• Swap/FX with live quotes—see rate, spread, and any fee before you confirm.
• Reload virtual/physical cards in seconds for online, POS, and ATM (fees/limits apply).
• Send & receive via P2P and Global Payout (where supported) with clear ETA and fees.
• Organize & reconcile using contact lists, memos/tags, and downloadable statements.

Availability, currencies, networks, and corridors vary by region/tier. Always confirm inside the app.

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Why It Matters

• Lower FX churn: Keep value in your base currency or stablecoins; convert at the edge only when you’re about to spend or pay out.
• Speed: Card top-ups and internal moves complete in seconds.
• Clarity: Pre-trade quotes and activity logs reduce surprises and simplify audits.
• Control & Safety: Passkeys, spend alerts, MCC/region rules, and one-tap freeze.

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Quick Start

1. Verify your account (KYC/KYB) to unlock limits and features.
2. Fund the Multi-Currency Wallet(often via stablecoins on a low-fee network or other supported rails).
3. Swap (optional) to your target spend currency using the live quote screen.
4. Reload your card for online/POS/ATM spend.
5. Send payouts to contacts or local bank accounts via Global Payout (where supported).
6. Track & export statements; tag transactions for clean reconciliation.

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Everyday Playbooks

1) Subscriptions & Online Shopping

• Keep a small operating balance in your wallet; use virtual cards with monthly caps.
• Turn on spend alerts to catch renewals early.

2) Travel

• Convert at the edge just before you travel; reload your card in destination currency.
• At POS, always choose local currency (avoid DCC markups).
• Move leftovers back to base currency after the trip.

3) Freelancers, Agencies & Teams

• Hold 1–2 payroll cycles in the Multi-Currency Wallet; allocate surplus to Earn if available.
• Use memos/tags (client/project/invoice) and export CSV monthly.

4) Remittances & Vendor Payments

• Start with stablecoins → Global Payout to local bank rails in supported corridors.
• Verify recipient details once, then whitelist for repeat payments.

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Fees, Limits & Timing

• FX/Swap: Rate + spread/fee shown on the quote screen before you confirm.
• Network fees: Minimize by funding on low-fee chains for the transport leg.
• Card & ATM: Standard card/ATM fees and sub-limits apply—check in-app.
• P2P & Payouts: Corridor-specific fees and ETA are displayed pre-confirmation.
• Limits: Per-transaction/daily/monthly limits depend on your tier and risk profile.

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Safety & Controls to Enable on Day One

• Passkeys (FIDO2/WebAuthn): Password-less, phishing-resistant approvals; keep 2FA as fallback.
• Card privacy controls: Mask card details; set MCC/region rules and per-transaction/daily caps.
• Alerts: Approvals, declines, refunds, payout status, profile changes.
• Virtual cards: Disposable numbers for trials or unfamiliar merchants.
• Whitelists: Save trusted recipients; test small before larger transfers.

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Pro Tips

1. Keep a buffer: 7–14 days of expected spend in the Multi-Currency Wallet to avoid forced swaps/redemptions.
2. Batch payouts: Fewer, larger runs reduce fixed costs and admin time.
3. Edge-conversion: Move on cheap networks; convert only when you pay or reload.
4. Memo/tag everything: E.g., “INV-2047 / Q4-Design” for perfect matching later.
5. Review monthly: Rebalance currencies around travel, invoices, or seasonal spend.

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Quick Comparison

Feature	Multi-Currency Wallet	Single-Currency Account
Currencies held	Multiple (incl. stablecoins where supported)	One
FX control	Live quote + edge conversion	Often automatic/opaque
Card readiness	Instant reloads	Varies
Global payouts	Supported corridors with fees/ETA preview	Limited/none

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FAQs

Which currencies are supported?
Your in-app wallet shows the current list per region/tier.

Does the wallet replace my card balance?
No—it feeds your card. Reload when you’re ready to spend.

Is there a minimum balance?
Minimums vary by account type and region. The app displays any thresholds before you confirm actions.

Do I pay FX every time?
Only when you swap. To cut costs, convert at the edge right before spending or payout.

Can businesses use it?
Yes—KYB accounts can hold multi-currency balances, batch payouts, and export statements.

Instant Access, Where Crypto Meets Cash: RedotPay Launches RedotPay Currency Account

What Is the RedotPay Currency Account?

Think of it as your operating balance inside RedotPay:

• Keep multi-currency balances (including stablecoins where supported).
• Swap/FX with a live quote before you confirm.
• Reload virtual/physical cards instantly for online, in-store, and ATM usage (fees/limits apply).
• Send/receive via P2P and Global Payout to local bank rails in supported markets.

Availability, currencies, and corridors vary by region and account tier. Always confirm inside the app.

Key Benefits

• Instant readiness: Keep a spend buffer ready; top up the card in seconds.
• One RedotPay Currency Account, many uses: Travel, subscriptions, payroll payouts, vendor payments.
• Transparent FX: See rates, spreads, and fees upfront—no surprises at settlement.
• Lower total cost: Route funds on low-fee networks, convert only at the edge when needed.
• Security by default: Passkeys/2FA, card freeze, MCC/region rules, and real-time alerts.

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Core Features

• Multi-Currency Balances: Park value in your preferred base currency plus supported alternates.
• Live Swap/FX: Convert with pre-trade quotes; confirm or cancel in a tap.
• Card Reloads: Move from RedotPay Currency Account → card balance for virtual/physical card spend.
• P2P & Global Payout: Pay contacts or deliver to bank rails where supported (showing fees/ETA).
• Contacts, Tags & Notes: Save recipients, add memos (invoice #, purpose), and export statements.

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How It Works

1. Verify your account (KYC/KYB).
2. Fund your RedotPay Currency Account (stablecoins or other supported rails).
3. Swap/FX (optional) to your target spend currency with a live quote.
4. Reload card for online/POS/ATM spend (where available).
5. Send payouts to contacts or local bank accounts in supported corridors.
6. Track & reconcile via Activity logs, tags, and downloadable CSV statements.

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Everyday Use Cases

Travel-Ready Spending

Hold a base currency, reload card before checkout, and choose local currency at POS to avoid DCC markups.

Subscriptions & Online Shopping

Keep a small operating balance; use virtual cards with monthly caps and alerts.

Freelancers & Teams

Swap at tight spreads, then batch payout to contractors; attach memos for clean reconciliation.

Family Support & Remittances

Start with stablecoins, convert at the destination edge, and send via Global Payout with upfront fees/ETA.

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Fees, Limits & Timing

• Swap/FX: Shown on the quote screen (rate + any spread/fee) before you confirm.
• Card reloads & ATM: Standard card/ATM fees and limits apply—check in-app.
• P2P & Payouts: Corridor-specific fees and estimated arrival are displayed pre-confirmation.
• Network fees: Keep transfers on low-fee networks for the transport leg.

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Safety & Controls

• Passkeys (FIDO2/WebAuthn) for password-less, phishing-resistant approvals.
• Card privacy controls: mask details, MCC/region rules, per-transaction caps.
• Virtual cards: disposable numbers for trials/untrusted merchants.
• Alerts: approvals, declines, refunds, payout status, profile changes.
• Whitelists: save trusted recipients; test small amounts before larger transfers.

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Pro Tips

1. Convert at the edge: Move value on a cheap chain, then swap only when needed.
2. Keep a buffer: Allow for pre-authorizations (hotels/rentals) and small FX variances.
3. Batch payouts: Fewer, larger runs reduce fixed costs and admin time.
4. Memo/tag everything: Speeds up disputes, audits, and tax prep.
5. Local currency at POS: Always decline DCC for fairer rates.

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FAQs

Which currencies are supported?
It varies by region/tier. The app shows your current list and limits.

Does the RedotPay Currency Account replace my card balance?
No—it feeds your card balance. Reload when you’re ready to spend.

Is there a minimum balance?
Minimums vary; any applicable thresholds appear in-app before you confirm.

Can businesses use it?
Yes—KYB accounts can maintain operating balances, swap, and run payouts (where supported).

Will passkeys replace 2FA?
Passkeys are strong auth; keep a fallback method enabled.

Use RedotPay on Telegram: Sign Up and Pay Fast

Why Use RedotPay on Telegram

• Fewer steps: Launch from a chat → complete a payment in seconds.
• People-first: Pick saved Contacts (names & avatars), not long wallet strings.
• Low friction: Live quotes and clear fee previews before you confirm.
• Always on: Move value 24/7; great for quick reimbursements and P2P.
• Safer by design: Step-up checks, spend alerts, and one-tap freeze if something looks off.

What You Can Do

• Sign up & verify your account (KYC/KYB where required).
• Add funds (often stablecoins or supported balances) and see live quotes.
• Send/Request money from Contacts or by handle/QR.
• Swap/FX (where supported) before paying.
• Global payout to local bank rails in supported corridors (confirm in-app).
• Card controls for virtual/physical cards: freeze, limits, and alerts.

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Quick Start

1. Open the official RedotPay entry point in Telegram (search the verified handle or use the published link).
2. Authorize & verify: link your account and complete KYC prompts.
3. Add funds: choose your asset/network; start with a small test.
4. Create/Import Contacts: names, avatars, and preferred rails (wallet, bank where supported).
5. Send or Request: pick a contact, enter amount, review quote & fees, confirm with passkey/2FA.
6. Track & export: view status in Activity; download receipts for your records.

Pro tip: Save a “Self (Savings)” contact to move funds between your own wallets with clear memos.

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Everyday Use Cases

• Split bills & reimbursements: send exact amounts in seconds after a group dinner.
• Freelance payouts: request or settle invoices right inside the project chat.
• Family support & remittances: quick transfers with clear fee/FX previews.
• Subscriptions & trials: combine with virtual cards and low per-merchant limits.

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Speed, Fees & Networks

• Network fees: Lower on supported low-fee chains (choose wisely at funding).
• Platform/FX: Shown upfront on the quote screen before you confirm.
• Timing: Often instant to minutes; compliance reviews can add time.
• Best practice: Move value on a low-fee network, then convert at the edge just before you pay.

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Safety & Privacy Checklist

• Use only the official, verified RedotPay on Telegram entry point.
• Enable passkeys (or 2FA) and turn on spend alerts.
• Whitelist contacts you pay often; test with a small transfer first.
• Never share codes, seed phrases, or private keys in chat.
• If anything feels off, freeze your card and contact support immediately.

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FAQs

Do I need a separate app account?
No—your RedotPay account links to Telegram after authorization.

Is this available in every country?
Coverage varies by region and product tier. The RedotPay on Telegram flow will show what’s supported for you.

Can I send to bank accounts from RedotPay on Telegram ?
Where Global Payout corridors are supported, you can initiate payouts after entering recipient details.

Are cards supported here?
You can access virtual/physical card info and controls (freeze, limits) via the Telegram experience where available.

What if I change phones or lose access?
Use your recovery methods (passkeys/2FA) to re-secure your account and revoke access for old devices.

Crypto in Latin America: From Digital Assets to Multi-Market Payouts

Why Crypto Utility Clicks in LATAM

• High cross-border flows: Freelance, creator, and family remittances need speed and predictable costs.
• Always-on settlement: Move value nights/weekends; no “bank hours.”
• Better economics: Fewer intermediaries → lower total cost on frequent transfers.
• Programmable payouts: Split payments, batch runs, and automated reconciliation.

The Stack

1. Stablecoins for value storage and transport (reduce volatility).
2. Low-fee networks to move funds quickly.
3. Swap/FX at the edge only when needed.
4. Local payout rails per country (where supported) for final delivery.
5. Controls & compliance (KYC/KYB, spend rules, alerts) to scale safely.

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Key Use Cases

• Remittances & family support: Stablecoins in, local cash-out via supported rails.
• Contractor & creator payouts: Weekly or milestone-based batch disbursements across countries.
• Merchant settlement: Accept Crypto in Latin America ; settle to operating currency on a predictable schedule.
• Treasury mobility: Park surplus in stablecoins; deploy to markets when invoices come due.

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Country-by-Country Highlights

• Brazil: PIX-driven culture; fast quotes and instant settlement windows are common when corridors are supported.
• Mexico: SPEI for bank deposits; popular for US→MX and intra-LATAM payouts.
• Argentina/Chile/Colombia/Peru: Mix of local bank rails and wallet payouts (availability varies by provider and tier).
• Regional cards: Virtual/physical cards supplement bank rails for POS and ATM access (fees/limits apply).

Availability and limits depend on provider, corridor, and account tier—always confirm in-app.

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How Multi-Market Payouts Work

1. Fund: Add USDT/USDC (or supported balances).
2. Route: Choose a low-fee network to move value.
3. Edge Convert: Swap to the target settlement currency only at the destination.
4. Select Corridor: Pick Brazil (PIX), Mexico (SPEI), or another supported country.
5. Enter Recipient Details: Legal name, tax IDs (e.g., CPF/CNPJ in BR), bank/wallet info.
6. Review Live Quote: See FX, fees, and ETA before confirming.
7. Approve Securely: Passkeys/2FA; keep alerts on.
8. Track & Reconcile: Activity log, memos/tags, downloadable receipts.

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Fees, FX & Timing

• Network fee: Keep transport on low-fee chains.
• FX spread: The biggest driver on bank payouts—compare the live quote.
• Payout fee: Corridor-specific; shown before you confirm.
• Timing: Often minutes to same-day on popular rails; compliance checks can add time.

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Risk & Compliance Basics

• Complete KYC/KYB to unlock limits and more corridors.
• Match recipient names and IDs exactly to bank records.
• Use whitelists for frequent payees; test small amounts first.
• Keep memos/tags for audits and tax; export statements monthly.
• Beware phishing—approve sensitive actions via passkeys only.

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Playbooks

Global Team Payroll

• Keep treasury in stablecoins → schedule weekly batch payouts per country → convert at edge → deliver via local rails → export CSV for accounting.

Freelancers & Agencies

• Save clients/vendors as Contacts with tags (BR-Design, MX-Dev).
• Use memos (invoice #, project) for clean reconciliation.
• Time payouts when spreads are tight and rails are most liquid.

Cross-Border Merchants

• Accept Crypto in Latin America ; auto-convert to stablecoins; settle to BRL/MXN where supported.
• For refunds, send a fresh transfer with the original memo for easy matching.

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FAQs

Do I need to hold volatile assets?
No—most Crypto in Latin America payment flows rely on stablecoins and convert only at the edge.

Which network should I use?
Pick a low-fee network your wallet and payout provider both support.

Can I send to any LATAM bank?
Coverage is corridor-specific. Check Crypto in Latin America availability inside the app before sending.

How do I cut costs further?
Batch payouts, avoid multiple bridges, and convert once at the edge based on the best live quote.

What about chargebacks?
On-chain transfers Crypto in Latin America are final. Publish clear refund policies and use reference memos on replacement payments.

The 2026 Guide to Converting Crypto to Cash — With One Big Twist

The Four Main Ways to Turn Crypto into Cash

Route	Best For	Typical Speed	Cost Notes
Card Reload → ATM / POS	Everyday spending & emergency cash	Instant reload, cash from ATM same day	Card + ATM fees apply; choose local currency at POS (avoid DCC)
Bank Withdrawal (Global Payout)	Paying bills, rent, vendors	Same-day to 2 business days (corridor-dependent)	FX spread + payout fee; accurate recipient data is critical
P2P Cash-Out	Cash-preferred markets & better FX	Minutes to a few hours	Tight spreads if you filter for high-rating traders
In-Person Agent / Voucher	Unbanked recipients, rural areas	Minutes	Agent fee + spread; confirm ID and hours

Pro tip: Start with USDT/USDC on a low-fee network for the “transport leg,” then convert only at the edge (card, bank, or P2P) where you’ll cash out.

The Twist: Split-Routing Your Off-Ramp

Most fees come from using the wrong rail at the wrong time. Split-routing means:

1. Move funds on a cheap chain (e.g., a low-fee L2/alt-L1).
2. Swap once (if needed) into the currency the next leg prefers.
3. Exit using the rail that’s best for your destination (card, bank payout, or P2P).

This cuts network fees, FX slippage, and waiting time—especially when you do frequent, smaller withdrawals.

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Recommended Flow

1. Hold in Stablecoins
   Keep value in USDT/USDC to avoid volatility while you prepare to cash out.
2. Pick a Low-Fee Transport Network
   Move stablecoins on a chain with near-zero fees and fast finality.
3. Choose Your Exit: Card, Bank, or P2P
   • Need Crypto to Cash today? Reload card → ATM (fewer, larger withdrawals).
   • Pay bills/vendors? Use Global Payout to the recipient’s local account.
   • Crypto to Cash-preferred market? Use P2P with verified, high-rating partners.
4. Preview the Quote (Always)
   Check FX, network fees, platform fees, and arrival time before you hit confirm.
5. Security & Proof
   Approve with passkeys/2FA, keep receipts/memos, and save contacts for repeat payouts.

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Route Playbooks

A) Card Reload → Cash / POS

• Reload from stablecoins → Virtual/Physical Card
• Withdraw at ATM (2–3 larger withdrawals beat many small ones)
• At POS, choose local currency to avoid DCC markups
  Best for: travelers, freelancers needing quick Crypto to Cash, emergency funds

B) Bank Withdrawal (Global Payout)

• Enter recipient details (name matches bank record, IBAN/CPF/PIX/etc.)
• Review FX and estimated arrival; confirm with passkey
  Best for: rent, tuition, vendor invoices, payroll

C) P2P Market Cash-Out

• Filter for verified, high-rating, fast-release traders
• Use in-app escrow and chat only; no off-platform deals
  Best for: Crypto to Cash economies, better rates than institutional FX

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Fee Math That Actually Matters

• Network fee: cheapest on low-fee chains; move first on these.
• FX spread: biggest driver on bank payouts—compare quotes.
• Card/ATM fees: fixed + %; fewer, larger withdrawals reduce fixed costs.
• P2P spread: can be tiny with top traders; time your trades during peak liquidity.

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Safety Checklist

• Passkeys on, 2FA as backup.
• Whitelist contacts you pay often; test with small amounts first.
• Match names exactly for bank payouts; add memos (invoice #, purpose).
• Use in-app escrow for P2P; avoid off-platform links or “urgent” requests.
• Keep receipts/exports for accounting and tax.

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Common Mistakes to Avoid in 2026

• Bridging too much, too often: each hop adds cost and risk—pick one cheap transport chain.
• Converting early: convert at the edge, right before cash-out.
• Multiple micro-withdrawals: batch where possible; ATM/operator fees add up.
• Wrong network address: always double-check the chain and format.
• DCC at POS: always pay in local currency.

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FAQs

What’s the cheapest way for frequent small withdrawals?
Use a low-fee chain to move stablecoins, then P2P or card reload—avoid repeated bank FX spreads on tiny amounts.

Are bank payouts safer than P2P?
Bank payouts have formal rails and receipts; P2P is fine if you stick to verified, high-rating traders and escrow.

Credit, debit, or prepaid crypto card?
For cashing out, prepaid/crypto card reloads work well—balance-capped, fast, and global. Use physical for ATM; virtual for online.

How do I minimize FX?
Keep value in USD-pegged stablecoins; convert once at the edge based on the best live quote.

Do I need KYC?
Yes—higher limits and the best corridors require KYC/KYB.

Smarter, Safer, and More User-Friendly: Discover RedotPay’s Latest App Version

What’s New

• Performance: 30–50% faster load on key screens, lighter memory usage, smoother scrolling.
• Security: Passkeys (FIDO2/WebAuthn) for password-less, phishing-resistant sign-in and approvals.
• Homepage Customization: Pin your go-to actions (Pay, Add Funds, Swap, Send, Card Freeze) and key widgets.
• Card Privacy Controls: Mask card details, set MCC/region rules, disposable virtual cards, instant alerts.
• Contacts: People-first address book with tags, notes, and one-tap Send/Request.
• Avatars & Nicknames: Personalize your profile; faster, safer recipient recognition.
• Network Options: Expanded low-fee rails for stablecoins to speed top-ups, P2P, and payouts.
• Polish: Clearer fee/FX previews, better refund status visibility, stronger error messages.

Why It Matters

• Faster every day: Less waiting between wallet, card, and payout flows.
• Safer accounts: Passkeys + alerts reduce phishing and SIM-swap exposure.
• Fewer mistakes: Contacts, avatars, and nicknames help you pick the right recipient.
• More control: Privacy rules, spend caps, and regional/MCC filters cut misuse.
• Lower costs: Improved support for low-fee networks helps frequent movers.

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Feature Deep Dive

1) Passkeys for Security (Goodbye Passwords)

• Sign in and confirm sensitive actions with Face/Touch ID or device PIN.
• Phishing-resistant and faster than passwords + SMS.
  Setup: Settings → Security → Passkeys → Create Passkey.

2) Customizable Homepage (Fewer Taps)

• Drag-and-drop tiles for Pay, Add Funds, Swap, Send, Freeze/Unfreeze.
• Add widgets: balances, recent activity, Earn, alerts, payout drafts.
  Tip: Keep 3–5 tiles in the top row for speed.

3) Card Privacy Controls (Practical Safety)

• Mask card details by default; reveal on demand.
• MCC/Region rules, per-transaction/daily caps, disposable virtual cards.
• Real-time alerts for approvals/declines/refunds/profile changes.
  Use cases: trials/subscriptions, travel, online-only shops.

4) Contacts, Avatars & Nicknames (People-First)

• Save recipients once; store multiple rails (wallet, bank/card where supported).
• Add tags (Clients, Vendors, Family), notes (invoice #, network), and reminders.
• Visual identity + handle = faster, safer P2P.

5) Network Enhancements (Lower Fees, Faster Settlement)

• Broader support for low-fee stablecoin networks to speed transfers and reduce costs.
• Better quotes and status visibility during withdrawals and swaps.

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Everyday Playbooks

Online & Subscriptions

• Use a disposable virtual card, low monthly cap, alerts on renewals.

Travel & ATM

• Enable destination region; keep Freeze/Unfreeze tile on the homepage; choose local currency at POS.

Freelancers & Teams

• Tag contacts (e.g., Clients-Q4). Schedule payouts. Memo every transfer for clean exports.

Security-First Users

• Passkeys on, alerts on, strict MCC/region rules, and a small balance buffer for pre-auth/FX.

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How to Update

1. Open your app store and update RedotPay to the latest version.
2. After launch, go to Settings → Security and enable Passkeys.
3. Tap Customize Homepage to pin quick actions and widgets.
4. Add your frequent Contacts, set tags/notes, and test a small transfer.
5. Review Card Privacy rules and turn on alerts.

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FAQs

Will passkeys replace 2FA?
Passkeys are strong auth; we still recommend keeping a fallback second factor.

Do privacy controls change my fees?
No—controls affect how/where your card works, not pricing.

Can I use multiple virtual cards?
Yes—create separate numbers for subscriptions, travel, and one-off purchases.

Do I need to switch networks?
Not required. But choosing low-fee networks can reduce costs on frequent transfers.

Will the update move my settings?
Your account, cards, and balances remain; review new controls and re-enable any optional features you want.

Make It Yours: RedotPay Now Supports Custom Avatars and Nicknames

What’s New

• Custom Avatars: Upload a photo, logo, or brand mark for quick visual confirmation.
• Nicknames & Handles: Pick a friendly name (e.g., @alice-travel).
• Contact Cards: Your avatar + nickname appear in Contacts, P2P, and payment requests.
• Privacy Controls: Choose who can discover you by handle/QR and who sees your avatar.
• Cross-Device Sync: Your profile settings follow you on every signed-in device.

Why It Matters

• Fewer mis-sends: Visual identity + unique handle helps avoid wrong recipients.
• Faster checkout: Contacts are easier to scan in lists and group payouts.
• Professional look: Great for freelancers and vendors; add a logo + business nickname.
• Cleaner records: Consistent names in exports and receipts reduce reconciliation headaches.

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How to Set It Up

1. Open RedotPay → Profile → Edit Profile
2. Upload Avatar: Use a square image (recommend 512×512).
3. Choose Nickname/Handle: Keep it unique, short, and easy to spell (e.g., @brand-asia).
4. Visibility & Discovery: Decide whether others can find you via handle/QR; toggle contact requests.
5. Save & Sync: Your avatar and nickname will appear across P2P, Contacts, and Requests.

Pro tip: Use the same nickname across platforms so teammates and clients recognize you instantly.

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Best Practices

• Keep it recognizable: Clear headshot or brand logo; avoid busy backgrounds.
• Secure your handle: Claim it early to prevent impostors.
• Pair with Passkeys: Approve sensitive actions with biometrics for phishing resistance.
• Use Tags in Contacts: Combine avatar/nickname with tags (e.g., Vendors, Clients, Family).
• Add Notes: Store invoice terms or wallet network in the contact memo for fewer mistakes.

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Privacy & Controls

• Discovery: You can allow searches by handle or stay private; QR works even if search is off.
• Block/Whitelist: Block unknown requesters and whitelist known contacts for one-tap approvals.
• Data: Changing your avatar/nickname doesn’t expose balances or transaction history—those follow your normal privacy settings.

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Real-World Use Cases

• Freelancers/Agencies: Brand your profile; clients pay the right company every time.
• Family & Friends: Spot the correct “Alex” or “Mei” in group splits and recurring transfers.
• Vendors & Suppliers: Consistent profile in recurring payouts, invoices, and refunds.
• Community Treasuries/DAOs: Team handles (e.g., @dao-treasury) for transparent flows.

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FAQs

Can I change my nickname later?
Yes, if the new handle isn’t taken. Your old handle may become available to others after a cooldown.

Are there restrictions on avatars?
Yes—no offensive imagery or impersonation. Use your own photo/logo or properly licensed art.

Will this affect my fees or limits?
No—avatars and nicknames are purely UX features. Fees/limits depend on your profile and region.

Can people find me by nickname?
Only if you enable discovery. You can also share a QR or direct link without enabling search.

Does this replace verification (KYC/KYB)?
No. Avatars and nicknames sit on top of your verified account to improve recognition, not replace compliance.

RedotPay Now Supports USDC & USDT Withdrawals to Solana

Why This Matters

• Lower total cost: Solana network fees are typically a fraction of a cent—ideal for frequent or small transfers.
• Speed: Finality in seconds keeps funds moving between your wallet, P2P trades, and spending balances.
• Ecosystem access: Easily interact with Solana-based apps, marketplaces, and tools using USDC/USDT.
• Better workflows: Faster withdrawals mean quicker re-funding of cards, swaps, and payouts when timing matters.

What’s Supported

• Assets: USDC (Solana), USDT (Solana)
• Direction: Withdrawals to external Solana addresses (deposits/other networks remain available as before)
• Use cases:
  • Move stablecoins to a self-custody Solana wallet
  • Fund P2P trades that prefer Solana rails
  • Reposition liquidity before making card top-ups or swaps

Availability can vary by region and account tier. Confirm live options in-app before sending.

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How to Withdraw to Solana

1. Update the app to the latest version.
2. Go to Wallet → Withdraw → Select USDC or USDT.
3. Choose Network: Solana (SOL).
4. Paste your Solana address (starts with a 44-char base58 string).
5. Enter the amount and review the network fee + any platform fee.
6. Confirm with your security method (passkey/2FA).
7. Track the status in Recent Activity; funds typically settle in seconds.

Safety tips:

• Always test with a small amount first.
• Double-check you’re using a Solana address, not an address from another chain.
• Keep a tiny amount of SOL in your external wallet for on-chain actions (if you’ll interact with apps).

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Fees & Timing

• Network fee: Extremely low on Solana (varies with load).
• RedotPay fee/spread (if any): Shown before you confirm.
• Settlement time: Usually seconds; large compliance reviews can add delay.
• Total cost: Often cheaper than higher-fee chains—especially for frequent movers.

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Practical Playbooks

Fast P2P

Withdraw USDT/USDC to a Solana wallet → trade via a Solana-friendly P2P marketplace → send back or spend as needed.

Card Funding Loop

Keep savings in stablecoins → withdraw to Solana for cheap repositioning → swap as needed → reload your spending balance on the app.

Micro-Transfers

Use Solana withdrawals for small reimbursements, tips, or creator payments where fees matter most.

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Common Mistakes to Avoid

• Wrong network: Sending to a non-Solana address will likely result in permanent loss.
• Exchange deposit rules: If withdrawing to an exchange, check if a memo/tag is required for Solana deposits (and follow the exact format).
• Zero SOL balance: If you plan to use Solana apps, ensure your wallet has a small amount of SOL for future actions.

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FAQs

Can I deposit from Solana back into RedotPay?
Check the in-app deposit tab for supported networks; availability can differ by asset and region.

Is there a minimum withdrawal?
Yes—see the in-app quote screen for the current minimums and fees.

Does this change my card limits?
No. On-chain network choice doesn’t alter your card/BIN limits or KYC tier.

Which is better for daily payments—USDC or USDT?
Both are widely used. Pick the one your counterparties prefer, or what your target app supports.

What if I sent to the wrong chain?
On-chain transfers are final. Contact support immediately, but recovery is often not possible.

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.

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.