RedotPay in Tunisia

What is RedotPay, how do you top it up, and can you use it from Tunisia?

RedotPay is a Hong Kong fintech that lets you spend stablecoins such as USDT and USDC with a Visa card, online, in shops and at ATMs. Its official pages do not exclude Tunisian citizens or users located in Tunisia (checked 10 October 2026). Below you will find what the card costs, how to top it up through P2P, how it compares with the Tunisian technology card and how to send stablecoins safely. The legal position for residents of Tunisia is in the last section.

RedotPay is only one of the four routes compared in how to pay Italian university fees from Tunisia, next to bank transfer, the technology card and PayPal on pagoPA.

1. What is RedotPay and how does the card work?

RedotPay↗ (opens in a new tab) is a crypto card service that describes itself as "a fintech service provider and not a bank" (RedotPay): you deposit crypto, mainly stablecoins such as USDT or USDC, and spend it with a Visa card (the network named in its Terms). The physical card also works at ATMs.

• Limits: up to 100,000 USD per transaction; ATM withdrawals 3 a day and 30 a month, up to 3,750 USD a day on a USD card (lower in some countries) (fee and limit table).
• KYC: a photo of your original ID, a face scan, your home address and 4-5 questions on your job and source of funds (identity verification).
• Who holds the money: balances are held by Red Dot Trust Ltd, a Hong Kong trust company. The Terms say the account is not a bank account.
• Binance Pay: Binance ended Binance Pay support on RedotPay on 3 April 2026 (Cointelegraph↗ (opens in a new tab)), so a Binance top-up now goes through a normal crypto withdrawal to a RedotPay deposit address (see the P2P top-up section below).

2. How do you top up RedotPay with P2P?

You can top up a RedotPay↗ (opens in a new tab) balance with P2P in two ways: buy USDT or USDC from another user in RedotPay's own P2P Marketplace, or buy on Binance P2P and withdraw the coins to your RedotPay deposit address. P2P (peer-to-peer) means buying crypto directly from another person on a platform: you pay them in local money, and the platform holds their crypto in escrow until they confirm your payment.

Route 1: RedotPay's own P2P Marketplace

Inside the RedotPay app, the P2P Marketplace lets you buy USDT or USDC from another user, and the crypto lands directly in your RedotPay balance, with no transfer between apps. The seller's crypto is held in escrow during the order. RedotPay states that its P2P "does not guarantee the settlement" of trades, so the same precautions as on any P2P platform apply.

Route 2: Binance P2P, then a deposit to RedotPay

Buy USDT or USDC on Binance P2P, then withdraw it from Binance to your RedotPay deposit address. In RedotPay, open the deposit page and pick the coin and network first; in Binance, choose exactly the same coin and the same network (for example USDT on Tron (TRC20) to a USDT TRC20 address). The network charges a withdrawal fee, and a mismatch can mean lost funds: follow the stablecoin safety steps below and send a small test first.

How an escrow order works, step by step

1. Choose an adIn the P2P zone you pick a seller; in Express the system picks one. Read the seller's terms and check their completion rate.
2. The crypto is lockedWhen you place the order, the seller's crypto is reserved in escrow.
3. Pay outside the appPay with the method shown in the order, from an account in your own name, within the payment window (often 15 to 45 minutes).
4. Notify, then waitTap "Transferred, notify seller" only after paying. The seller checks and releases the crypto. Never cancel after paying; use the Appeal button instead (Binance guide↗ (opens in a new tab)).

Fees and the name rule

On Binance's P2P fee page↗ (opens in a new tab) (checked 10 October 2026), a taker in the P2P zone paid 0%, a maker 0.20%, and Express cost the taker 0.10%. The real cost is the gap between buy and sell prices, plus bank fees and the network fee of the withdrawal. On both platforms, the payer's name must match the counterparty's verified name: a payment from someone else's account can be refused or frozen.

Signing up for RedotPay through the partner link below gives you its 5 USD welcome reward, and the promo code is applied automatically.

Typical P2P scams

3. How does RedotPay compare with the technology card?

RedotPay offers higher limits and is funded with crypto, while the Tunisian technology card (CTI) is the card the BCT authorises for residents of Tunisia, within a yearly allowance in dinars.

For residents of Tunisia, the card the BCT allows is the international technology card, within the uses it permits.

4. How do you send USDT or USDC without losing them?

To send USDT or USDC safely, use the same coin and network on both sides, copy the address with the app's button, check it and send a small test first, because crypto transfers cannot be reversed. In the EU, Binance notes MiCA restrictions on unauthorised stablecoins, so USDC may be easier than USDT.

Step 1: same coin and same network on both sides

Choose the coin and network in the receiving app first, then exactly the same pair in the sending app (RedotPay withdrawals).

Step 2: copy the address with the copy button or QR code

Use the app's copy button or scan its QR code. Never type an address by hand.

Step 3: compare the first and last characters

Compare the first 6 and last 6 characters with the original, plus a few in the middle.

Step 4: never copy an address from your history

In address poisoning, scammers send a tiny transfer from a lookalike address so it shows in your history. Copy only from the receiving app or your address book.

Step 5: send a small test first

Send a small amount above the minimum, wait for it, then send the rest to the same saved address.

Step 6: check the TxID on a block explorer

Paste the TxID into the network's explorer (Solscan, BscScan, PolygonScan) to see the amount, receiver and status (Binance Academy↗ (opens in a new tab)).

Step 7: whitelist your addresses

Turn on the withdrawal whitelist↗ (opens in a new tab) and save each address with a clear label, coin and network.

Step 8: never share your seed phrase or 2FA codes

Real support staff never ask for your seed phrase, passwords or 2FA codes.

5. Glossary of crypto terms

6. Is a crypto card legal for residents of Tunisia?

No Tunisian text makes funding a crypto card legal for residents of Tunisia: no Tunisian law or Central Bank (BCT) circular that expressly authorises buying crypto or stablecoins could be found. The exchange code (law 76-18↗ (opens in a new tab)) sets the frame:

• Art. 3: foreign-exchange operations go only through the BCT or authorised intermediaries (banks, La Poste).
• Art. 16 and 17: residents must declare their assets abroad and may not dispose of them without authorisation. A crypto balance on a foreign platform is arguably such an asset.
• Art. 21: settlements between residents take place in Tunisia and in dinars.
• Art. 35: offences are punishable by 1 month to 5 years in prison and a fine of at least five times the amount involved.

Buying USDT with dinars, through P2P or a foreign card, sits outside these channels, so residents of Tunisia who fund a crypto card are legally exposed under the exchange code. Binance's Terms↗ (opens in a new tab) also exclude users for whom using it would be illegal locally, even if their country is not on its prohibited list↗ (opens in a new tab). A new exchange code (bill 115/2025) is under discussion but had not been adopted at the last report found. Read more in the exchange rules section of our payment guide.