In the evolving world of crypto, many users face a recurring dilemma:
“I want to spend my crypto, but I don’t want to miss out on its future gains.”
RedotPay’s newly launched Credit Account is built to solve exactly that.
Now, users can pledge BTC, ETH, USDT, USDC, SOL, and S to gain immediate spending power via their crypto cards, without needing to sell any of their holdings. It’s a seamless way to use crypto as collateral to unlock real-world purchasing power — instantly.
Credit Account is an all-new feature in the RedotPay app that works alongside the existing Funding Account.
By transferring supported crypto assets from your Funding Account to your Credit Account, RedotPay automatically grants you a credit limit based on the LTV (Loan-to-Value) ratio of the deposited assets:
For example, if you transfer $10,000 worth of BTC into your Credit Account, RedotPay will instantly grant you $6,000 in credit (at 60% LTV), which can be spent through your RedotPay card. The best part? Your BTC remains intact and continues to benefit from price appreciation.
Have questions? Visit our Credit Account FAQ for more information.
Your RedotPay account now includes two main balances:
You can transfer assets between these accounts freely and set your Credit Account as the default payment method in the app.
In traditional finance, accessing funds typically means selling off assets. In crypto, that often means giving up long-term growth potential. Our Credit Account changes that dynamic.
By pledging your crypto assets as collateral, you can unlock a credit limit based on the real-time value of your assets, allowing you to make purchases with your RedotPay card without affecting your principal holdings. This means you stay invested and exposed to potential market gains, all while gaining instant access to credit for real-world use.
The Credit Account is designed to adapt to your portfolio — whether you’re holding assets like BTC and ETH for investment or keeping reserves in stablecoins like USDT and USDC.
For long-term believers of BTC and ETH, RedotPay allows you to unlock credit from these volatile yet high-potential assets. With RedotPay’s Credit Account, you no longer have to choose between holding and spending. Your BTC or ETH becomes the foundation for a flexible credit line that’s automatically recalculated in real-time based on market value, ensuring your spending power adjusts dynamically with your portfolio.
On the other hand, for those who hold stablecoins for predictability and lower risk, the Credit Account offers greater efficiency. USDT and USDC come with a 90% Loan-to-Value (LTV), meaning for every dollar of stablecoin you transfer, you can almost access a full dollar of usable credit. There’s no loss of value through conversion, and you get spending power with minimal risk.
Whether you’re managing long-term growth assets or holding capital in stablecoins, the Credit Account bridges the gap — providing every type of user a smarter way to unlock value.
With RedotPay, you don’t just borrow — you stay in control. You can set the Credit Account as your default payment method, ensuring that your spending draws from your available credit first.
This allows you to keep your funding balance untouched and unexposed, which is particularly useful for users who want to reserve those assets for trading, savings, or holding long-term. It’s flexibility that aligns with your financial strategy — not against it.
RedotPay’s smart risk system calculates your Risk Index — a live score reflecting the safety of your credit usage:
To safeguard your assets even further, you can enable Auto Transfer, which automatically moves funds from your Funding Account to stabilize your Credit Account if the Risk Index spikes. This feature helps users avoid forced liquidations — especially in volatile markets.
The Credit Account was designed to be user-first, starting with its repayment model. There’s no compounding interest, no hidden fees, and no lock-in period. Instead, you’re charged simple interest at a daily rate of 0.05%, starting from the day after you borrow (T+1). This is equivalent to an annual percentage rate (APR) of approximately 18.25% (0.05% × 365)).
Repayment is fully flexible:
Whether you want to repay early, partially, or just cover interest while you hold your position, RedotPay provides you with the tools to manage your credit the way you want.
Market looking bullish? You don’t have to miss out. Keep your crypto in play while using your RedotPay crypto card for flights, hotels, shopping, and more. The Credit Account gives you purchasing power without triggering taxable events or selling low.
The Credit Account monitors market fluctuations and automatically safeguards your assets with risk notifications. You can enable Auto Transfer to ensure that minor dips don’t result in forced liquidation.
Whether you’re managing diversified assets or actively using crypto, the Credit Account offers a compliant, real-time way to tap into liquidity without changing your long-term strategy.
The Credit Account is more than a feature — it’s a new philosophy for crypto holders. It eliminates the old trade-off between holding and spending, giving you freedom, flexibility, and financial leverage.
Ready to unlock your credit potential?
Download the RedotPay app today and start using your Credit Account.
Experience a more powerful, flexible, and secure way to spend crypto.
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Money Lender’s Licence No: [1550/2024]
Hotline: (852) 2765 4472
Disclaimer: This publication is for informational purposes only and is not intended to constitute legal, financial, investment, or any other form of professional advice. RedotPay assumes no responsibility or liability for any errors or omissions in this publication. The information contained in this publication is provided on an “as is” basis, and RedotPay makes no representation or warranty, whether expressed or implied, in relation to it and its use. The information is provided with no guarantees of completeness, accuracy, usefulness, or timeliness. Readers should seek professional advice before taking any action in relation to the matters dealt with in this publication. The English version shall prevail in the event of any discrepancy or inconsistency between the various language versions hereof.
