# 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.

## THE SHORT ANSWER

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.

## Similar utility, a different control boundary.

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.

| Topic | Fiber | Competitor | Takeaway |
| --- | --- | --- | --- |
| 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. |

## Fiber fit

- 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 fit

- 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.

## FAQ

### 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.

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Fiber is a financial technology company, not a bank. Banking services are provided by SSB, Member FDIC. Funds deposited at SSB are eligible for FDIC insurance up to $250,000 per depositor, per insured bank, subject to applicable limitations and FDIC rules.