For freelancers
Your client pays in full. So do you. Nothing gets shaved off in transit.
Send a USD invoice as a link. Your client pays it in USDC or USDT from any wallet. Licensed partners handle the conversion and payout right after. Timing depends on the partner and is not yet a published SLA.
A $3,000 invoice paid by international wire arrives short: the sending bank charges a fee, the correspondent bank takes its cut, and the receiving bank applies its own spread. You find out how short only when the money lands, days later.
Why do my international invoices arrive short?
Because a wire is deducted from along the way. The sending bank charges, intermediary banks take a cut each, and the receiving bank applies its own FX rate. None of it is itemised on your invoice, so the shortfall only appears at the end.
Will my client find this harder than a bank transfer?
Usually easier. They open a link, connect a wallet and pay. No account with Kollect, no forms, no correspondent details to key in wrongly. What they see is the amount you invoiced, in USD.
Does this work for small invoices?
Only above the minimum transaction value of $1,000, which applies on every plan. Below that a payment cannot be collected, so it suits project and retainer invoicing rather than micro-payments.
What you keep on a freelance invoice
Typical freelance invoice sizes. Adjust the amount to match your own.
Modelled at 0.5% fee + $35.00 fixed + 2.5% FX for a wire. Kollect is priced at 0.75% on the Micro plan, with no FX markup on the USDC to USD conversion. The plan follows your volume: this invoice repeating monthly is $9,000.00 over 3 months, which is the band that volume falls into. The processing fee falls to 0.45% at higher volume. Each plan also carries a monthly subscription, which is not in these figures. See the full rate card.
Full cost breakdown is on the pricing section, and the same maths against a wire is set out on Kollect vs a bank wire. Terms are defined in the glossary.
How a freelance payment runs
Send the link
Create a USD invoice in Kollect and send the link however you already talk to your client.
They pay from a wallet
USDC or USDT from any Web3 wallet. No Kollect account, no forms, no software for them.
Received on-chain
The payment is confirmed in seconds, so you know it has arrived before you go back to work.
Fiat in your bank
Licensed partners convert and settle USD, EUR, SGD to your bank account.
What changes for you
Nothing is shaved off by a correspondent bank between your client and your account.
On-chain in seconds. Licensed partners handle the conversion and payout right after. Timing depends on the partner and is not yet a published SLA.
A link, a wallet, a confirmation. No account creation on their side.
A flat monthly plan plus one processing percentage on each payment, and no per-invoice charge.
Reuse the same flow every month; each payment settles the same way.
Trust and compliance
Payments are received on-chain and passed to licensed partners for conversion and payout. Kollect is not the licensed entity holding your money.
Mesta Payments LLC, a FinCEN-registered money services business, processes payments in partnership with Kollect.
KYC on you as an individual, AML screening on payments.
USD, EUR, SGD today, with further corridors on the roadmap.
Freelancer questions
How do freelancers receive international payments with Kollect?
You send a USD-denominated payment link. Your client pays it in USDC or USDT from any wallet, the payment is received on-chain in seconds, and licensed partners convert and settle fiat into your local bank account.
Does my client need a crypto account?
They need a Web3 wallet holding USDC or USDT. They do not need a Kollect account, an onboarding process or any software.
How long until the money is in my bank?
On-chain receipt takes seconds. Licensed partners handle the conversion and payout right after. Timing depends on the partner and is not yet a published SLA.
Which currencies can I be paid out in?
Kollect settles to USD, EUR, SGD today, with further corridors on the roadmap. If your currency is not listed, talk to us about your corridor.