RedotPay — 3.0/10

Hong Kong-licensed (and US-MSB-registered) stablecoin-spend platform issuing Visa / Mastercard cards in 100+ countries. Operationally real — the company publishes its own essay explaining why it explicitly chooses NOT to offer a no-KYC product, with mandatory Sumsub identity verification (passport / driver's licence + selfie, optional address proof) gating every feature. Listed here as a counter-example: legitimate and useful for KYC-comfortable stablecoin spenders, but disqualifying on every privacy axis the directory cares about. The Trustpilot record adds documented operational concerns on top — frozen accounts, $0.50 declined-transaction fees charged even on frozen cards, AI-only support, and a publicly-discussed 2FA-bypass security incident. (Privacy score 3.0/10, KYC L5 Mandatory). https://www.redotpay.com