Why US Clients Prefer a Domestic Invoice
A US company's finance team runs on domestic processes. They expect an invoice with a US business address, a W-9 form, and payment instructions to a US bank or check. When they see an invoice from an individual in Bangladesh, it often triggers extra scrutiny.
International wire details can delay payment by days or weeks while compliance checks run. Smaller clients may simply refuse to pay an overseas freelancer because their accounting software isn't set up for it. The friction is not about your work quality—it's about their internal procedures.
How the Merchant-of-Record Service Works
PANORAMA SYSTEMS acts as the US-based merchant of record for your freelance work. You submit the project details, and we generate an invoice from our Florida company to your client. The invoice shows a US address, a federal EIN, and domestic payment options. Your client pays PANORAMA SYSTEMS just like any other US vendor.
After we receive the payment, we transfer your earnings to you in USDT, minus our service fee. You never have to incorporate in the US or open a US bank account. You are not our employee—there is no employment contract, no benefits, and no tax withholding on our side. You remain an independent freelancer.
Getting Paid: USDT Only
Payouts to Rajshahi settle entirely in USDT. You can receive funds on TRC-20, ERC-20, BEP-20, TON, or Solana. No bank rails—Wise, SWIFT, SEPA, or local bank transfers—are available for this location. This is not a temporary limitation; it's how we structure payouts for Bangladesh.
We initiate the transfer after the client's payment clears. The exact timing depends on the client and the network you choose. You are responsible for the network transaction fee, which varies with blockchain demand. We don't add a markup to that fee.
Your Tax and Legal Responsibilities
PANORAMA SYSTEMS does not provide tax advice. You are responsible for reporting your income and paying any taxes you owe in Bangladesh under local laws. Since we are a US company paying you as an independent contractor, the payment may trigger reporting obligations on our side, but that does not change your duties at home.
You keep full control over your work. There is no non-compete or exclusivity clause. The agreements you sign with your clients are between you and them—we simply facilitate the payment leg.