Fiber vs RedotPay

Private stablecoin account or custodial crypto payments?RedotPay offers a broad crypto-payment account with cards, transfers, swaps, credit and earn. We built Fiber for people who want the same everyday utility while keeping their supported financial activity non-custodial and private.

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Both products connect crypto to real-world money movement. The main distinction is who controls the assets and how much of the financial activity is designed to remain private.

Similar utility, a different control boundary.

What matters	Fiber	RedotPay	Decision note
Asset control	We are non-custodial by architecture. We do not hold, custody or control your assets.	RedotPay’s terms describe custodian accounts, custodian-managed key shares and pooled omnibus vaults used with its card and other services.	Fiber is built around direct user control; RedotPay uses a custodial account model.
Financial privacy	We shield supported transfers, trades and earn activity with zero-knowledge privacy based on a fork of Railgun.	RedotPay publishes account security, compliance and internal-ledger controls, not an equivalent promise of private on-chain activity.	Security and transaction privacy solve different problems.
Everyday account	Eligible US account details, stablecoin deposits, private transfers, earn and supported markets live in one account.	RedotPay combines a funding account with cards, swaps, transfers, credit, earn, P2P and selected currency accounts.	RedotPay emphasizes service breadth; Fiber emphasizes a private, non-custodial account.
Published fees	We charge 0% Fiber deposit and trading fees. Network, spread and third-party costs can still apply.	RedotPay currently publishes a $10 virtual-card and $100 physical-card issuance fee, with other transaction costs depending on use.	Compare the full cost of the exact card, transfer and conversion path you need.
Markets	Supported tokenized stocks, commodities and crypto can be traded 24/7 with 0% Fiber trading fees.	RedotPay’s product set centers on payments, swaps, credit, earn and money movement rather than a private tokenized-markets account.	Fiber connects stablecoin income and supported private markets.

Choose Fiber if

You require a non-custodial account rather than a custodian-managed balance.
You want supported transfers, trades and earn activity protected with ZK privacy.
You want stablecoin income and supported markets in one product.

RedotPay may be the better fit if

You want RedotPay’s broad menu of payment, credit, P2P and transfer features.
RedotPay’s published card availability better fits your jurisdiction.
You are comfortable using a custodian account for the assets you deposit.

RedotPay’s breadth and international payment focus are meaningful advantages. Our difference is architectural: Fiber combines neobank ease with the control of a wallet and adds privacy to supported on-chain financial activity.

Questions people ask

Is RedotPay non-custodial?

RedotPay also documents a non-custodial wallet feature, but its card-linked custodian-account terms describe assets held by a custodian, custodian-managed key shares and pooled accounts. Fiber’s core account is non-custodial by architecture.

Which is better for private financial activity?

Fiber explicitly shields supported transfers, trades and earn activity with zero-knowledge proofs. RedotPay’s public materials focus on custody, account security and compliance rather than the same transaction-privacy model.

Sources and freshness

Last reviewed: July 23, 2026

Competitor facts come from the company’s own public materials. Product availability, rates and fees can change; verify current terms before deciding.

01
RedotPay custodian-account terms
Custody model, pooled accounts and card-settlement controls.
Open source
02
RedotPay card issuance fees
Current virtual and physical card issuance prices.
Open source
03
RedotPay card availability
Current list of regions where card issuance is unavailable.
Open source

Comparison prepared by Fiber. Competitor names and trademarks belong to their respective owners. This is product information, not financial advice.

Choose Fiber when non-custodial control, zero-knowledge privacy and private markets are central. Choose RedotPay when its broader crypto-payment toolkit or published international card reach matters more than custody.

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