How to Receive and Spend USDT in Vietnam (2026)
If you are paid in USDT or USDC in Vietnam, Pulsar lets you turn that balance into money you can use with a virtual card. Supported dollar stablecoins top up USD at 1:1 with zero fees, while EURC tops up EUR at 1:1. Card purchases settle in fiat, so the merchant does not receive crypto.
This is useful for freelancers, remote workers and crypto users who want to receive stablecoins, keep a USD or EUR balance, and pay international merchants without manually swapping, bridging and cashing out through several apps.
Why USDT and USDC matter in Vietnam
Vietnam is one of the world's most active crypto markets. The International Monetary Fund's 2025 Vietnam report estimated gross stablecoin inflows of $54 billion and outflows of $52 billion during 2024. USDT represented 34% of estimated crypto inflows and USDC represented 20% in early 2025.
Those figures show substantial stablecoin activity, but they do not mean that crypto is ordinary legal tender in Vietnam. A practical use case is cross-border income: receive a supported stablecoin, turn it into an available fiat balance, and use normal card rails for spending.
How to receive stablecoins and spend from one account
Pulsar gives you a supported deposit address and keeps the funding and spending steps in one product. The basic flow is straightforward.
- Open Pulsar and complete identity verification.
- Choose USD or EUR, then select a supported stablecoin and network.
- Share the deposit address with the person paying you, or transfer from your own wallet.
- USDT or USDC tops up USD at 1:1. EURC tops up EUR at 1:1.
- Use the virtual card for supported online or in-person purchases.
The merchant receives fiat through the card network. This is different from scanning a merchant QR code and sending USDT directly to the merchant.
1:1 stablecoin top-ups with zero fees
Pulsar charges zero fees for supported stablecoin top-ups. A transfer of 100 USDT or 100 USDC tops up $100, while 100 EURC tops up €100. Supported network fees are sponsored where available.
There is no Pulsar card creation fee or monthly standard account fee. Standard card purchases do not carry a separate Pulsar transaction fee, and same-currency USD or EUR spending has a 0% FX fee. See the current Pulsar pricing and fees for card limits, ATM pricing and cross-currency costs.
| Action | Pulsar fee | What you receive |
|---|---|---|
| Top up with USDT or USDC | 0% | USD at 1:1 |
| Top up with EURC | 0% | EUR at 1:1 |
| Spend USD from USD | 0% FX fee | USD card settlement |
| Spend EUR from EUR | 0% FX fee | EUR card settlement |
| Spend another currency | 1.35% FX fee | Conversion at purchase |
Getting paid in stablecoins
For freelancers and remote workers
A client can send a supported stablecoin to your Pulsar deposit address. Once credited, USDT or USDC becomes an available USD balance at 1:1. You can keep it in USD and use the virtual card instead of first selling to VND through a separate exchange.
Spending the resulting USD or EUR balance
After the top-up, your card spends from the available fiat balance. This can simplify payments for international software, advertising platforms, travel, online shopping and subscriptions charged in USD or EUR.
If the merchant charges the same currency as your balance, Pulsar applies a 0% FX fee. Spending in another currency can require conversion and currently carries an up to 1.35% Pulsar FX fee. Merchant acceptance, billing details and card limits still apply.
Optional DeFi yield of up to 6% APY
Holding a balance and earning yield are separate choices. Eligible balances can earn a variable rate of up to 6% APY through DeFi strategies using Morpho and Steakhouse Financial. You do not need to enable yield to receive stablecoins, top up at 1:1 or use the card.
The rate is variable and not guaranteed. DeFi yield is not an insured bank deposit and introduces protocol, smart-contract, liquidity, stablecoin and counterparty risks.
What costs should you compare?
- Top-up fee: zero from Pulsar for supported 1:1 stablecoin top-ups.
- Network fee: sponsored by Pulsar where available.
- Sender cost: a wallet or exchange may charge to withdraw the stablecoin.
- Card FX: 0% for supported same-currency USD or EUR spending, 1.35% for other currencies.
- ATM cost: free from Pulsar up to $200 per month, then 2%, while the ATM operator may charge separately.
- Merchant conversion: reject dynamic currency conversion when its rate is worse than your card rate.
Frequently asked questions
Can I receive USDT in Vietnam?
Pulsar supports eligible customers in Vietnam receiving supported USDT through the networks shown in the app. Confirm the asset and network before sharing your address.
Can I spend USDT directly with the Pulsar card?
The supported USDT first tops up your USD balance at 1:1. The card then spends fiat from that balance, and the merchant receives fiat through the card network.
Does Pulsar charge a top-up fee?
No. Supported USDT, USDC and EURC top-ups are credited at 1:1 with zero Pulsar fees. Supported network fees are sponsored where available.
Should I use USDT or USDC?
Use the supported stablecoin and network that match how you are paid or where your money already sits. Compare issuer risk, available networks and any withdrawal charge from the sending wallet or exchange.
Can I earn 6% APY on the balance?
Eligible balances can use Pulsar's optional DeFi yield feature, which offers a variable rate of up to 6% APY through Morpho and Steakhouse strategies. The rate is not guaranteed.
From stablecoin income to everyday spending
Vietnam does not need another generic list of VND-funded virtual cards. The distinct problem for stablecoin users is turning international USDT or USDC income into a balance that works for ordinary card purchases without repeated swaps, bridges and top-up charges.
Pulsar connects those steps: receive supported stablecoins, top up USD or EUR at 1:1 with zero fees, spend through a virtual card, and optionally earn variable DeFi yield of up to 6% APY. Review the current Pulsar pricing and fees before getting started.