Stablecoin payments spare your client an international bank wire, but they only work if both sides agree on the details first. This guide covers what to settle before invoicing, how the money arrives and how you can use it afterwards.
Published September 30, 2026 · 3 min read
The client sends USDT from their own wallet or account to your wallet address, on a network you have agreed on. There is no international bank wire on their side, so the payment is just a blockchain transfer. You share the address and the network with the invoice, the client sends the exact amount, and you wait for the network to confirm it. Once confirmed, the funds show up as a balance you control.
Three things matter: the network, the address and the amount. The network must match on both sides, because each deposit address belongs to one network and a transfer sent through a different one will not arrive and cannot be reversed. The amount must also be above the network minimum, otherwise it is not credited.
| Step | What you do | What the client does | What to check |
|---|---|---|---|
| Agree on terms | Name the coin and network in the invoice | Confirms the network | Both sides use the same network |
| Share the address | Copy it from the wallet app | Pastes it into the sending screen | Address and network belong together |
| Send the payment | Wait for the transfer | Sends an amount above the network minimum | Amount is not below the minimum |
| Confirmation | Watch for the credit | Keeps the transfer record | Credit follows network confirmation, from minutes to about an hour |
| Use the funds | Swap, spend by card or withdraw at an ATM | Nothing further | Fees for card and ATM, plus any ATM-owner fee |
Nexus Pay is a crypto wallet that you open inside Telegram through the bot @nexuspaymybot. It holds USDT and USDC, which can be deposited via TRC-20, ERC-20, BEP-20 and TON. In the app you pick the network, get the address for it and send both to your client. The minimum deposit for each network is shown in the app. Deposits are credited automatically after the network confirms them, which takes from a few minutes to about an hour depending on the blockchain.
Once the balance is in your wallet, you can spend it with a card or withdraw local cash at an ATM. With the Nexus Pay card, purchases cost 0%, moving money from the wallet balance to the card costs 0.1%, and an ATM withdrawal costs 0.25%. By the fee page's example, 1000 USDT moved to the card becomes $999.00, and withdrawn at an ATM it leaves $996.50 before any fee added by the ATM owner. That owner's fee appears on the ATM screen before you confirm. The ATM fee is charged per withdrawal, so one larger withdrawal costs less than several small ones for the same total. Swapping coins inside the wallet costs 0% at the exchange rate with no markup, and you see the amount you will receive before you confirm.
Issuing a card requires identity verification with a document and a photo, as anti-money-laundering law requires. The card is issued by a licensed partner organisation. The virtual card is issued right away and works online and contactless via Apple Pay and Google Pay. The physical card is delivered by mail and works at tills and ATMs. The card spends only the available balance, with no credit and no overdraft.
How this income is taxed and reported depends on your country. This is general information, not tax advice, so ask a qualified local professional. On safety, remember that blockchain transfers are irreversible: nobody can bring back a transfer sent to the wrong address. The app offers an optional four-digit access code, and a card can be frozen and unfrozen in one tap. The main share of crypto funds is kept in wallets without a permanent network connection.
In Telegram, in a minute, with no paperwork.
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