💡 Note: This feature is available in app v3.0.0 and later.
Where does my credit limit come from?
Your credit limit comes from the value of the cryptocurrencies you hold in your RedotPay account.
The formula
The formula
Available credit limit = Asset value × LTV − Outstanding balance
Which cryptocurrencies can I use to get a credit limit?
Only some cryptocurrencies can be used to calculate your credit limit. Right now, the supported assets are: BTC, ETH, SOL, TON, TRX, S, XRP, and BNB. Stablecoins (USDT and USDC) don't count toward your limit — holding them won't increase your available Credit.
How can I increase my credit limit if it’s zero or low?
A zero or low limit usually means you need more supported crypto. Go to [Credit] and tap [Increase Limit]. From there, you can:
Deposit more supported cryptocurrencies into your account, or
Swap your existing USDT/USDC into supported assets (for example, BTC or ETH) to increase your limit.
How can I exclude specific cryptocurrencies from my limit?
After activating Credit, tap [Available Credit] to see how much each asset contributes. You can remove any asset that's counted but not yet pledged.
When you remove an asset:
It stays in your balance, and you can still use it.
It simply stops counting toward your credit limit.
Credit provided by RedotPay must be repaid according to the terms. Failure to repay may result in additional fees and impact your account usage.
You have to repay your loans. Don't pay any intermediaries.
Money Lender's Licence No: [1715/2025]
Hotline: (852) 2765 4472