Agree exactly what the client will send
For a $1,000 invoice, agree on 1,000 USDT or 1,000 USDC—not simply “$1,000 in crypto.” Specify the token, blockchain and amount that should reach you, and agree who pays the transfer fee. Copy the receiving details from your wallet or account.
| Item | What to include |
|---|---|
| Amount | 1,000 USDT or 1,000 USDC—choose one with the client |
| Network | The same supported blockchain at both ends |
| Destination | Copy the address from your receiving wallet or account |
| Memo/reference | Include it if the receiving service requires one |
| Transfer fee | Agree who pays it and the amount you should receive |
Details and conditions
- Check that both sides can use this payment method for the work. Contractor invoices and employee salary have different requirements; a wallet address does not settle those obligations.
We receive USDT as well as USDC
MoneyQuest Team: clients have paid us in both USDT and USDC. We agree which token to receive before sharing payment details. When we later fund a card, we choose a low-cost network supported at both ends.
USDT or USDC: which should you ask for?
Use the token your client can send and your receiving service can accept on the same network. USDT is issued by Tether; USDC by Circle. They have different contracts and issuer terms, so a USDC deposit option is not permission to send USDT.
| Token | Issuer | Check before sharing details |
|---|---|---|
| USDT (USD₮) | Tether | USDT deposit support on your chosen blockchain |
| USDC | Circle | USDC deposit support on your chosen blockchain |
Details and conditions
- Choose based on your next step, too. If the card or bank-payout service you intend to use supports only one of them, receiving the other may mean an extra swap. Check the receiving screen before you invoice.
Receive a small test, then the rest
Before the full payment, a small test can catch an incorrect setup. Match both the token and network, and use an amount above any receiving minimum. Confirm the credit in your own wallet or account before the client sends the rest.
- Choose a receiver that supports the payment and your intended use.
- Match the token, network, address and any memo.
- If appropriate, test a small amount above the receiving minimum.
- Confirm the credited payment in your own account.
- Ask the client to send the remainder, then reconcile the full invoice.
Details and conditions
- A wrapped or bridged token may have different support and redemption terms. Use the exact token and network your receiver accepts.
- On-chain network fees depend on the blockchain and network conditions. An exchange sets its own withdrawal fee, which can differ from the network fee; do not automatically add both to its quote.
A wallet or an account: where should it arrive?
A self-custodial wallet puts you in charge of the keys and recovery. An account with a provider can be more familiar to use, but access and withdrawals depend on that provider. Choose a destination that supports both receiving the payment and what you want to do next.
Use the payment: keep it, spend it or cash out
Once the USDT or USDC arrives, you can keep it, send it to a compatible card account, or exchange it through a service that pays your bank account. Confirm that service’s token, network and country support before moving the funds.
| Your next move | Cost to look for |
|---|---|
| Keep the received token | No conversion needed; token and custody risks remain |
| Send it to another wallet | Wallet transfer: on-chain network fee, depending on the blockchain. Exchange withdrawal: the exchange’s quoted withdrawal fee. |
| Spend through a card | The card’s conversion, purchase and FX terms |
| Withdraw to a bank | The service’s exchange rate and payout fee |
Details and conditions
- Keeping the received token does not require a conversion. Spending or cashing out may: use the card’s terms or the payout quote. A bank-transfer fee is not an on-chain fee, and there is no universal conversion charge to add to every payment. Compare ways to spend stablecoins.
- Receiving tokens is different from redeeming them directly with the issuer. Circle’s non-EEA terms require an eligible Circle Mint account for direct USDC redemption. Tether’s direct redemption has account requirements, minimums and fees. Those are not charges on every wallet-to-wallet client payment.
Match the payment to your invoice
Save the invoice and transaction ID together. Record the amount received, network, date, valuation source and fees. That gives you a payment trail you can reconcile later.
Details and conditions
- If a client likes this route, compare the final usable amount and the work involved with your other options. Faster arrival on a blockchain does not always mean faster money in your local account.
Sources and scope
Sources, assumptions and open questions
Official-source research with the MoneyQuest Team’s stated experience. No affiliate links. Review date: 2 November 2026. Examples are calculations, not live quotes.
- This guide covers on-chain freelance client payments. It does not establish permission to receive business bank transfers through a particular provider or cover employee payroll rules.
- Availability, local obligations and bank-payout routes depend on your circumstances. No guaranteed peg, processing time or universal fee is claimed.