US dollars account for approximately 56% of global foreign exchange (FX) reserves and around 89% of FX transactions. Roughly half of global trade invoicing uses USD.
Yet around one in five adults worldwide still has no financial account, let alone one that holds dollars. Even where banking exists, capital controls and dollar shortages often put USD out of reach — frequently in the places that need it most. In parts of South America, local currencies have lost up to 99% or more in value against the dollar, leaving citizens with savings that erode by the month.
The world runs on the dollar. But many still struggle to access one.
This disparity leaves the most vulnerable populations exposed. For these people, dollar access isn’t a convenience — it’s a necessity to protect their earnings and financial stability. This then raises the question: how do we get dollars into the hands of people who need them most?
Across the world, millions of our users can store, transfer, and hold USD on RedotPay.
USD access with our Multi-Currency Wallet
In areas with limited banking availability, getting hold of foreign currencies like USD can be a challenge. Our Multi-Currency Wallet* offers a way to secure 20+ local currencies such as USD through…
With a USD account on RedotPay, you can move between local currencies, dollars, and stablecoins — all within one platform.
The stablecoin route to dollar exposure
Dollar-pegged stablecoins like USDT and USDC are a practical way to gain dollar exposure: they’re borderless, settle instantly, and operate 24/7, bypassing the structural friction of traditional banking systems.
Stablecoins are a reliable way to preserve dollar-denominated value, move funds internationally at lower cost, and reduce foreign exchange fees. The real-world value of this technology is already clear, with cross-border stablecoin flows growing more than 78% in 2026.
On RedotPay, users can swap fiat currencies and cryptocurrencies into stablecoins instantly. This unlocks faster, cheaper international transfers, instant payments, and round-the-clock funding.
But access to USD or stablecoins alone solves half the equation – assets that can’t be spent or transferred still leave people stuck. True financial access means being able to send or receive funds from abroad, convert between currencies instantly, and make payments at merchants like supermarkets and coffee shops.
While millions already hold stablecoins in their wallets, spending them day to day remains a challenge.
Our Send feature is a gateway for quicker and lower cost global transfers. Our stablecoin-powered RedotPay card offers payments across more than 130M merchants worldwide, turning idle digital assets into real-world purchasing power.
These capabilities are one part of how we advance financial inclusion. Our mission is rooted in equal opportunity: we empower users worldwide to gain dollar exposure and actively use those dollars for everyday transactions, not just hold them.
We expect stablecoin adoption to only accelerate from here — especially in parts of the world where traditional banking systems still aren’t able to reach.
*RedotPay is a fintech service provider and not a bank. Our Multi-Currency Wallet is provided by appropriately licensed financial institutions and RedotPay only facilitates your use of such Multi-Currency Wallet.
Disclaimer: This communication is for informational purposes only and does not constitute legal, financial, investment, or other professional advice. It does not create any representation, warranty, or contractual commitment. This communication does not represent an offer or solicitation to buy or sell any products, securities, or financial instruments or related services, including in any jurisdiction where that activity is restricted, or where RedotPay group (as defined in our Terms and Conditions) does not offer or advertise that product or service. For detailed terms pertaining to this communication and the relevant information, please refer to here.
