A new wallet and card are easy to overload with money and settings on day one. This plan keeps the first month small, so you learn how deposits, cards and fees behave before the amounts grow.
Published September 30, 2026 · 3 min read
Start with the account itself. Nexus Pay opens inside Telegram through the bot @nexuspaymybot, and you can link a Google login as a second way in. It is a crypto wallet with a Visa card, not a bank. Set the optional four-digit access code early, since it is one more barrier on your phone. Issuing a card requires identity verification (a document and a photo) under anti-money-laundering law, so it is easier to get that done at the start than when you need the card.
Treat the first deposit as a rehearsal, not a real transfer. Pick a small amount and check three things in the app before sending:
Each address belongs to one network. A coin sent through a different network will not arrive and cannot be reversed, which is why the test matters.
Once the test deposit is credited, issue a virtual card. The Signature card costs 5 USDT to issue; Business, with higher limits, costs 25 USDT. The virtual card is issued right away and works online and contactless via Apple Pay and Google Pay. Move a small amount from the wallet balance to the card (the fee is 0.1%), then make one online payment and one contactless tap. The card spends only the available balance, with no credit or overdraft, and you can freeze and unfreeze it in the app in one tap. Try that too, so you know where the button is if you ever need it.
Only if you have a concrete use for it. The physical card costs 99 USDT including delivery, arrives by mail and works at tills and ATMs. If you mostly pay online or by phone, the virtual card may cover you for now. If you need cash or shops where a phone tap is not enough, order it early because of the delivery time. ATM withdrawals cost 0.25% each, and an ATM owner may add its own fee, shown on the screen before you confirm. The fee is charged per withdrawal, so one larger withdrawal costs less than several small ones for the same total.
| Step | What to do | What you learn |
|---|---|---|
| Open the account | Start the bot, set the access code, complete verification | How sign-in and identity checks work |
| Test deposit | Send a small amount on the matching network above the minimum | How long crediting takes and how networks differ |
| Virtual card | Issue it, load a small amount, pay online and tap once | How loads, fees and payments look in practice |
| Physical card | Order only if you need ATM cash or tills | What delivery and ATM fees mean for you |
| History review | Match each entry to your actions | How deposits, swaps, loads and purchases are recorded |
After your first few actions, open the history and match each entry to what you did. You should see the deposit, any swap, the load to the card and the purchases. Check that the amounts agree with what you expected after fees. For reference, the fee page shows that 1000 USDT moved to the card becomes $999.00, and withdrawn at an ATM it leaves $996.50 before any ATM-owner fee. Swaps inside the wallet cost 0% at the rate with no markup, and the amount you receive is shown before you confirm. Seeing this in your own history makes later, larger moves much less stressful.
Move more only after the small run went as expected: the deposit arrived, the card worked online and by tap, and the history made sense. Then you can choose up to five cashback categories. The base rate is 4%, it is 7% while a Business card is active, and one boosted category earns 10%. These are current programme terms and may change. Keep in mind that blockchain transfers are irreversible, so double-check every address and network even after the first month. This is general information, not financial, tax or legal advice.
In Telegram, in a minute, with no paperwork.
Open Nexus Pay
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