If a client pays you in USDT, the cleanest route to spending it is two transfers, not one: the client pays a wallet you control, and you top up Nomux from that wallet. Nomux charges 1% over whatever you want to see on the balance, does not credit top-ups under 50 USDT automatically, and charges between 0.5% and 1.5% on each card payment depending on the card (fees). Nomux charges nothing for holding the balance. The one thing not to do is give the client your Nomux top-up address.
Why the client should not pay your top-up address
It is tempting to skip a step and paste the address from the top-up screen into an invoice. The Nomux terms make that a bad idea for a plain mechanical reason: each Nomux top-up address is tied to a single request, and that request runs out. You choose the coin and network, the app gives you an address just for that request, and the request has a time limit shown on screen. Money that turns up after the request has lapsed, on the wrong network or under the 50 USDT minimum does not land on the balance by itself; each such case is looked at separately (section 5). A client who pays a week late, or pays again next month to the same address, lands exactly in that case.
There is a second reason to keep the payment in your own hands first. Under section 6, if a question arises about specific funds, Nomux may ask for confirmation of their source and of the wallet they were sent from. For freelance income, the source is the work you invoiced: keep the invoice or contract behind each client payment, and top up from a wallet that is yours. Then both questions have a one-line answer.
Any self-custody wallet works for receiving. Nomux Wallet is one option: it is non-custodial: the key is generated on your phone, and Nomux has no way to move its funds unless you link the wallet to a card (section 16).
What the trip from invoice to card costs
Take an invoice of 1,000 USDT paid to you on TRON.
| Step | Who charges | What it costs |
|---|---|---|
| Client pays your wallet | The network, paid by the client | The client’s network fee, not yours |
| You top up Nomux | The network | A network fee paid in TRX from your wallet |
| Nomux credits the top-up | Nomux | 1% on top of the credited amount: send 1,000 USDT and about 990.10 USDT lands |
| You pay with the card | Nomux | 0.5% to 1.5% of each payment, set per card |
You need some TRX to send USDT on TRON. The network fee on TRON is paid in TRX, not in USDT, so a wallet that holds only the client’s USDT cannot send it anywhere. Keep a small amount of TRX in the same wallet before the first top-up.
The top-up fee is easy to get backwards. Nomux does not take 1% out of what you send; it adds 1% to what you ask for. Asking for 100 USDT means sending 101. If you send a round 1,000, the balance shows 1,000 divided by 1.01 — about 990.10. The top-up screen always shows the exact amount to send for the sum you typed.
Pick the card before you top up
The card decides two things that are expensive to change later: the currency it is issued in and the balance you need to order it. Every card’s numbers sit on the fees page.
Currency. Nomux issues cards in three currencies (availability):
- USD — Singapore, Mastercard, 1% per payment. If most of what you pay for is priced in dollars — software, hosting, tools — those charges need no conversion.
- EUR — the Netherlands (Visa, the lowest payment fee at 0.5%), Spain (Visa, 1%), France (Mastercard, 1%) and Luxembourg (Visa, 1%). Luxembourg is the only prepaid Nomux card, and some merchants, Google Ads among them, do not take prepaid cards for automatic payments (virtual cards).
- GBP — United Kingdom, Visa, 1.5% per payment.
Entry threshold. Ordering a card requires a balance of 100 USDT for Luxembourg, 200 for Singapore, 250 for the United Kingdom, 300 for France, 500 for Spain and 1,000 for the Netherlands. The threshold is not a deposit and Nomux keeps none of it, but plan around one rule: everything on your balance is frozen between the order and the card’s activation, not merely the threshold (section 7). Money you add after the order stays out of the hold and can be spent (section 6).
So the sequence that keeps money moving is: top up enough to cover the threshold, order the card, then send the rest of the invoice. Your first card is free; each further virtual card costs 10 USDT.
Getting money back out
If a project falls through or you need the money elsewhere, the balance can be sent back to a wallet of yours. The app has no withdraw button; you message Nomux support with the amount, coin, network and address. A Nomux withdrawal costs 3%, deducted from the sum along with the network fee, so you receive what you asked for minus both. Expect it within an hour in most cases and within a day at most (section 8).
That 3% is the reason to top up what you expect to spend rather than everything you earned. USDT you are saving can stay in your own wallet.
What Nomux does not do for a freelancer
- Nomux is not a bank and gives you no IBAN or account number (section 2). A client cannot pay you by bank transfer into Nomux, and nothing can be taken by direct debit.
- Nomux does not invoice or issue receipts to your clients.
- Nomux does not advise on tax. How freelance income received in crypto is taxed depends on where you live.
- Nomux is not available everywhere. It does not serve North Korea, Russia, Ukraine, Israel, the United States, African countries or sanctioned jurisdictions (availability).
Short answers
Can a client pay straight to my Nomux top-up address? Avoid it. Each Nomux top-up address serves one request with a deadline, and a late or repeated payment is not credited automatically.
How much lands on the Nomux balance if I send 1,000 USDT? About 990.10 USDT. Nomux adds its 1% on top of the credited amount, so 1,010 USDT is needed for exactly 1,000.
Do I need TRX to top up with USDT on TRON? Yes. The TRON network fee is paid in TRX from the sending wallet.
Which Nomux card is issued in US dollars? The Singapore Mastercard.
Does ordering a Nomux card freeze my money? Yes, everything available at the moment you order stays frozen until the card is activated. Money that arrives afterwards can be spent.
What does a Nomux withdrawal back to crypto cost? 3% plus the network fee, deducted from the sum; you ask support for it.
Related pages
- Fees and limits for every Nomux card — the full table, including entry thresholds per card.
- Getting started — sign-up, first top-up and first card, step by step.
- Nomux Wallet — a self-custody wallet to receive client payments into.