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  • Getting paid in stablecoins: should my invoice be in USD, USDC, or local currency?

    AlexDeveloper

    AlexDeveloper

    @Alexdeveloper
    Updated: Jan 13, 2026
    Views: 76

    I’m getting paid in stablecoins for a cross-border contract and I’m embarrassed to admit I’m stuck on the invoicing basics. How does stablecoin invoicing work in real life when the company is “USD-minded” but the payment arrives as USDC?

    Do people normally invoice in USD and the client pays the USDC equivalent at the time of transfer — or do you invoice in “X USDC” directly? If they pay late, which conversion rate is considered “clean” for records: invoice date, payment date, or something else?

    Also, what do you include as proof without making the invoice look weird to accountants: wallet address, chain name, transaction hash, tx link, or do you keep that in a separate note/email?

    I’m not trying to do tax tricks — I just want a format that doesn’t become a headache later, especially because stablecoin payroll helps with international payments (UK/India/Nigeria → US/EU) but the paperwork feels unclear. If you’ve done this, what invoice template actually worked without causing drama?

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  • SmartContractGuru

    @SmartContractGuru • 3w

    I’ve been getting paid in USDC as a contractor for a while. What worked best for me:

    I invoice in USD but get paid in USDC.

    On the invoice I write: “Pay in USDC equal to USD value at the time you send payment.”

    For conversion rate, we picked one clear rule: “Use Coinbase rate at payment time” (any one source is fine, just fix it).

    For proof of payment for USDC salary, I don’t add too much on the invoice. After they pay, I send a short message with tx hash + chain name + explorer link. My accountant prefers this.

    Quick question: do you want the invoice in your local currency because you plan to convert to INR/GBP, or just for your own tracking?

  • WillowSyncDev

    @WillowSyncDev • 3w

    For the best chain for USDC salary payments (fees vs reliability), I’ve seen teams keep it simple: they pick one network that’s cheap and stable (often Polygon / Arbitrum / Optimism) and just stick to it. Ethereum mainnet works too, but the fees can feel silly for a monthly payment unless they’re already living on mainnet.

    On the invoicing side, this is what usually works when you’re asking how to invoice a US company if they pay in USDC: the invoice stays in USD (because finance teams understand USD), and then you mention that they’ll settle it in USDC equivalent at the time they pay. The key is agreeing on one rate source, otherwise the “invoice in USD but paid in USDC how to handle conversion rate” question becomes a mini argument every month.

    For proof of payment for USDC salary, I don’t put wallet + chain + tx hash on the invoice itself. I send the invoice like a normal invoice. After they pay, I reply on the same email thread with the tx link and hash like, “Payment received, here’s the transaction.” That way anyone can verify it, and accountants don’t get spooked by crypto-looking invoices.

    Since you mentioned India: I can’t give legal advice, but if your worry is how to receive stablecoin payments legally in India (basic compliance questions), the safest approach is boring documentation—contract + invoice + tx proof + clean notes on when you converted to INR (if you did). That’s what keeps things smooth with a CA later.

    One thing I want to ask you: is this USDC payroll vs bank transfer for cross-border teams where they’re offering you a choice, or are they forcing USDC only? That changes how strict you need to be in the agreement.

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