Freelancers, Move Money
Moving Money as a Freelancer: Old School vs Decent Hash
Getting paid as a freelancer has for a long while felt like pulling teeth. For years, both employers and freelancers have been stuck with payment methods that seem designed to make our lives harder, not easier. You know the drill: waiting days for wire transfers, watching fees eat into your earnings, and dealing with clients who struggle with international payments.
But here's the thing – it doesn't have to be this way anymore.
The Old School Way: Why Traditional Payments Are a Pain
Let's be honest about how freelancer payments typically work. You finish a project, send an invoice, and then... you wait. And wait some more.
Wire Transfers: Fast but Expensive
Wire transfers are supposed to be the "fast" option. Sure, they can move money in a few hours when everything goes right. But they come with a price tag that'll make you wince. We're talking $15-$50 in fees per transaction, plus whatever your bank decides to tack on for "processing" or "intermediary" charges.
And that's just for domestic transfers. Go international, and you're looking at steeper fees, but the main expense is terrible exchange rates that shave 3-4% off your earnings before the money even hits your account.
PayPal: Convenient but Costly
PayPal revolutionized online payments, no doubt about it. It's everywhere, everyone knows how to use it, and it's relatively fast. But convenience comes at a cost – literally.
PayPal's fees for receiving payments can range from 2.9% to 5% depending on how the payment is funded and where it's coming from. For international payments, you're also dealing with PayPal's exchange rates, which aren't generous.
Plus, there's always that lingering fear of account holds or disputes that can freeze your funds for weeks.
Traditional Bank Transfers: Cheap but Glacially Slow
The classic bank-to-bank transfer seems like it should be simple. Your client sends money from their account to yours. What could go wrong?
Everything, apparently. International transfers can take 3-5 business days (or longer), and once the money is "in transit," it might as well be in a black hole. Neither bank can tell you where it is or when it'll arrive.
And while domestic transfers are cheaper than wires, international ones still come with hefty fees and poor exchange rates that eat into your earnings.
The Hidden Costs Add Up
Here's what really stings: all these fees and delays compound. That $2,000 project payment from a European client might cost $80 in wire fees, lose another $90 to exchange rates depending on how many banks it touches, and take a week to clear. You're already down 7% before you even see the money.
For freelancers living project-to-project, these delays and fees aren't just annoying – they're business killers.
The New Way: How Decent Hash Changes Everything
Now imagine a different scenario. Your client completes a project approval, and submits an ACH to your virtual account – where you get instant access to your payment in stablecoin. No waiting, no excessive fees, no currency conversion headaches.
That's exactly what Decent Hash delivers.
Instant Stablecoin Payouts
When we say instant, we mean instant. None of this "2-3 business days" nonsense. Your client approves payment, and you receive stablecoins. Whether you're in New York or New Delhi, the speed is the same.
Stablecoins are cryptocurrencies pegged to stable assets like the US dollar, so you get all the speed benefits of crypto without the wild price swings or foreign exchange fees.
No Wallet Required for Payers
Here's where it gets really smart: your clients don't need to figure out crypto wallets or buy digital currencies. They can pay in regular USD or MXN, and Decent Hash's virtual conversion system automatically handles the stablecoin conversion.
Your client pays like they always have, and you receive the benefits of instant stablecoin transfers. It's the best of both worlds.
International Made Simple
Whether your client is across the street or across the world, the process is identical. No special international transfer procedures, no additional documentation, no extended processing times.
The beauty of blockchain technology is that it doesn't care about borders. A payment from Tokyo reaches you just as quickly as one from your home town.
ACH Payment Process
Decent Hash's is designed for simplicity, where the client pays in ACH and you receive stablecoin. Clients complete payments via a traditional ACH to your virtual account, which automatically gets deposited in your wallet.
That's it. No complex wire instructions, no routing numbers, no international banking codes. Just an account number, routing number, and an amount.
The Side-by-Side Comparison
Let's break down how a typical $2,000 international freelance payment would work:
Traditional Wire Transfer:
Fees: $30-50
Exchange rate loss: $60-90
Time to receive: 3-5 days
Touch: High (banking details, codes, forms)
Your net: $1,840-1,910
Decent Hash:
Fees: $60
Exchange rate loss: None (stablecoin pegged to USD)
Time to receive: Instant
Touch: Standard Payroll
Your net: $1,930
The difference is stark. You're not just saving money – you're getting paid faster with less hassle for everyone involved.
Why This Matters for Your Freelance Business
Cash flow is everything when you're freelancing. Traditional payment delays can force you into difficult situations: turning down new projects because you're waiting on payments, borrowing money to cover expenses, or accepting lower rates just to ensure faster payments.
Instant payouts change the game completely. You can:
Take on more projects without worrying about payment timing
Negotiate from a position of strength, knowing you'll be paid immediately upon completion
Reduce the stress and uncertainty that comes with unpredictable payment schedules
Focus on your work instead of chasing down payments
Perfect for Digital Businesses Too
This isn't just about individual freelancers. Digital agencies, consulting firms, and service businesses all face the same payment challenges. Decent Hash scales beautifully for:
Recurring client payments
Payroll
International team payouts
Multiple project management
Integration with existing business processes
Getting Started Is Simple
Setting up with Decent Hash takes minutes, not days. The process is straightforward:
Set Up Your Profile – Create your account with basic information
Verify Your Information – Complete a simple KYC process for compliance
Start Receiving Payments – Share your payment details with clients and start enjoying instant payouts
The platform handles all the technical complexity behind the scenes. You don't need to understand blockchain technology or manage cryptocurrency wallets. You just need to get paid quickly and efficiently.
The Bottom Line
The freelance payment landscape has been broken for too long. We've all accepted slow payments, high fees, and complex processes as "just how it works." But that acceptance costs us money, time, and peace of mind.
Decent Hash represents a fundamental shift toward payments that actually work for modern freelancers and digital businesses. Instant transfers, low fees, international simplicity, and client-friendly processes aren't just nice features – they're necessities in today's fast-moving economy.
The old school way of moving money as a freelancer is dying. The question isn't whether you'll eventually switch to instant stablecoin payments – it's whether you'll be early enough to gain a competitive advantage while your peers are still waiting for their wire transfers to clear.
Want to learn more about why Decent Hash is different? The future of freelance payments is here. Are you ready to claim it?
