How to send money to family in another country with crypto and a card

What is the easiest way to send money to family in another country?

For many families it is a stablecoin sent to the relative's own wallet, which they then spend with a card. The transfer confirms in minutes, and the network fee is shown before you send. The recipient does not need a bank wire: they can pay by card or withdraw local cash at an ATM. The trade-off is that both sides must set things up once, and a mistake in the address or network cannot be undone.

How does a crypto transfer to a relative's wallet work?

The process has a few steps, and most of the care goes into the first one.

• The recipient opens a wallet and shares the deposit address for a specific coin and network.
• You send the coin to that address and review the network fee before confirming.
• The network confirms the transfer, which takes minutes and up to about an hour depending on the blockchain.
• Once credited, the balance is available to spend or move to a card.

Nexus Pay is one wallet that fits this route: it opens inside Telegram and holds USDT, USDC, BTC and ETH.

Which coin and network should you agree on with your relative?

Choose a stablecoin such as USDT or USDC, because it aims to stay steady against the dollar between the moment you send and the moment your relative spends. Then agree on the network. USDT and USDC can arrive in Nexus Pay via TRC-20, ERC-20, BEP-20 or TON, and each deposit address belongs to one network only. Sending through a different network than the address was issued for will not arrive and cannot be reversed. Also check the minimum deposit for that network in the app, since smaller deposits are not credited.

How can the recipient spend the money or get cash?

Once the balance is in the wallet, the recipient can use a card. A virtual card is issued right away and works online and contactless via Apple Pay and Google Pay, while a physical card arrives by mail and works at tills and ATMs. For cash, they withdraw local currency at an ATM. Issuing a card requires identity verification with a document and a photo, so it is worth doing before you need the money. The card spends only the available balance, with no credit or overdraft.

What does it cost to send money this way?

There are two layers: the network fee when you send, and the card-side charges for the recipient. With Nexus Pay the card has no monthly fee and 0% on purchases. Moving money from the wallet balance to the card costs 0.1%, and each ATM withdrawal costs 0.25%. On 1000 USDT that means $999.00 on the card, or $996.50 after an ATM withdrawal, before any fee the ATM owner adds, which appears on the ATM screen before confirming. Because the ATM fee is charged per withdrawal, one larger withdrawal costs less than several small ones for the same total.

What should you check before sending, and is this legal advice?

Before the first real transfer, confirm the address, coin and network with your relative, ideally by voice or video call. Check the minimum deposit and consider a small test transfer above it. Blockchain transfers are irreversible, so nobody can bring back money sent to the wrong address. Rules on international transfers, reporting and taxes differ by country. This article is general information, not tax, legal or investment advice, so check the rules that apply to you and your relative.

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