The case for RedotPay is narrow and coherent: hold stablecoins outside the US, fund on-chain for free, and spend at Visa merchants for $0 a month with a 1.2% FX fee. Fireblocks custody with segregated per-user addresses gives the custodial model more substance than most prepaid rivals document. What holds the score at mid-tier is everything around that core. The card pays zero rewards, charges non-refundable 10/100 USDT issuance fees, prices ATM cash at 2–3%, bills $50 per chargeback, keeps its issuing bank undisclosed, and takes 1–3% on the convenient top-up rails. Spenders who avoid those edges get a cheap, functional stablecoin card. Everyone else is paying entry costs for a product that never pays anything back.