Which coin should you hold if you mostly spend?

Why does a stablecoin suit everyday spending?

Spending means you know roughly what you need to pay: rent, groceries, subscriptions. A dollar stablecoin like USDT or USDC does not swing with the market, so the balance you set aside covers about the same amount next week as today. That predictability is the main reason to keep a spending balance in one. It is also easier to plan a month when your balance is not moving with the market.

Should I spend from BTC or ETH instead?

BTC and ETH change value day to day. If you hold them, that movement is the whole point, and it is why they are usually treated as holdings rather than as spending money. If you pay for something from them, the amount your balance covers can differ from one day to the next. For a budget that needs to add up, this is a drawback. The table below sums up the difference.

Can I switch between coins without paying for it?

Yes, inside the wallet. Swapping coins in Nexus Pay costs 0% and uses the exchange rate with no markup. The amount you receive is shown before you confirm, so you see the result before committing. That makes it easy to keep, for example, a spending balance in USDT and change the split later if your plans change.

What does it cost to get from wallet balance to actual spending?

With the Nexus Pay Visa card there is no monthly fee ($0) and 0% on purchases. Moving money from the wallet balance to the card costs 0.1%, and each ATM withdrawal costs 0.25%. For example, 1000 USDT moved to the card becomes $999.00, and withdrawn at an ATM it leaves $996.50 before any ATM-owner fee. The ATM fee is charged per withdrawal, so one larger withdrawal costs less than several small ones for the same total. The card spends only the available balance: no credit, no overdraft.

How do I deposit a stablecoin without losing it?

USDT and USDC can be deposited via TRC-20, ERC-20, BEP-20 and TON. Each deposit address belongs to one network, so a coin sent through a different network than the address was issued for will not arrive and cannot be reversed. Every network also has a minimum deposit amount shown in the app, and deposits below it are not credited. After the network confirms a deposit, it is credited automatically, which takes from a few minutes to about an hour depending on the blockchain.

How should I split money between coins?

There is no universal ratio, and this article does not give one. A simple way to think about it is by purpose. Money you expect to spend soon fits a stablecoin, while anything you hold for longer and accept more movement on is a separate decision. Because swaps in the wallet cost 0%, you can revisit the split as your needs change. This is general information about how the assets behave, not investment advice.

Common questions