If clients pay you in stablecoins, a card can turn that income into everyday spending and keep the project's money in its own place. Here is how the mechanics work, what they cost and what to check first.
Published September 30, 2026 · 3 min read
If a client pays you in USDT or USDC, the money can go into a wallet and then be spent by card, with no bank step in between. That suits freelancers, resellers and anyone whose customers already pay in stablecoins. The deposit address belongs to one network, so give the client the address for the network they will actually use (TRC-20, ERC-20, BEP-20 or TON for USDT and USDC). A coin sent through a different network will not arrive and cannot be recovered. Each network also has a minimum deposit shown in the app, and smaller amounts are not credited.
The path has a few short steps. The deposit is credited automatically once the network confirms it, which takes from a few minutes to about an hour depending on the blockchain. If you received a different coin from the ones you want to spend, you can swap inside the wallet at 0% with no markup on the rate, and the amount you receive is shown before you confirm. Then you move the chosen amount to the card, which costs 0.1%, and purchases themselves carry 0%.
| Step | What happens | Where you see it |
|---|---|---|
| Receive | The client sends USDT or USDC to the deposit address for the chosen network | Wallet history, after the network confirms |
| Convert (optional) | Swap between supported coins at 0% with no rate markup | Amount shown before you confirm |
| Load the card | Move a chosen amount from the wallet balance to the card for 0.1% | Wallet history, recorded as a load |
| Spend | Pay online or contactless with the virtual card, or at tills and ATMs with the physical card | Wallet history, recorded as purchases |
| Review | Compare client payments with loads and purchases | Wallet history |
The simplest method is a dedicated card balance: load only what you plan to spend on the project, such as software, advertising or supplies. The card spends only the available balance, with no credit and no overdraft, so the project cannot quietly draw on money you did not load. If you want higher limits, Nexus Pay offers a virtual Business card alongside the Signature card, and you can freeze or unfreeze a card in the app in one tap. Paying project costs from one card also means personal purchases do not end up mixed into them.
It can make one easier to keep. The wallet history records loads and purchases, so you can set client payments against the amounts you moved to the card and the purchases made from it. That is a simple reconciliation: what came in, what you loaded, what you spent. It is a record of activity, not an accounting system, and this is general information rather than tax or accounting advice. How side income is reported depends on where you live, so check with a qualified professional.
Costs are small but worth counting before you start. For Nexus Pay they are:
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. Because the ATM fee is charged per withdrawal, one larger withdrawal costs less than several small ones. Cashback is also available: you choose up to five categories, with a base rate of 4%, 7% while a Business card is active and one boosted category at 10%. These are current programme terms and may change.
Start with verification: issuing a card requires a document and a photo under anti-money-laundering law, and the card is issued by a licensed partner organisation. The virtual card is issued right away and works online and contactless through Apple Pay and Google Pay, while the physical card arrives by mail and works at tills and ATMs. Before sharing a deposit address with a client, confirm the network and the minimum amount, because a wrong-network transfer cannot be reversed. You can also set an optional four-digit access code in the app. Nexus Pay is a crypto wallet, not a bank, so decide whether that fits how you need to handle your project's money.
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