The Real Reason a Merchant of Record Makes Sense
Many US companies resist paying individuals abroad—it means W-8 forms, treasury questions, and unfamiliar wire instructions. If you’ve lost a gig because the client’s accounting team didn’t want the hassle, you know the issue. Panorama Systems lets your client pay a US company via a domestic invoice. They treat you like any other vendor.
This removes client-side friction, but it’s not magic. Panorama takes a service fee, so you net less than your rate. And it doesn’t alter your tax status; you’re still a freelancer, not an employee. If a client is fine with PayPal or Wise, you might not need this. If they demand a US business, here’s your answer.
The Payment Flow: Invoice to USDT
You land the project, agree on scope and rate. When it’s billing time, you supply an invoice from Panorama Systems Florida LLC. Your client pays by ACH, wire, or whatever their system uses. Once Panorama receives the funds, they deduct their fee.
Then they send the remainder to your crypto wallet as USDT. For Nepal, the only payout option is USDT on one of these chains: TRC-20, ERC-20, BEP-20, TON, or Solana. No bank transfers, no Wise, no exceptions. If you’re not set up with a self-custody wallet that supports one of those networks, you’ll need to get one. This is a crypto-only pipeline.
What You’re Signing Up For (and What You’re Not)
The payout limit is real. If you can’t easily convert USDT to cash or pay bills with it, this might not fit. Panorama doesn’t offer fiat rails to Nepal because they’re not reliable. We’d rather be blunt than have you wait for a bank transfer that never arrives.
Tax obligations are entirely yours. We don’t withhold US taxes, and we don’t advise on Nepali tax law. No employee relationship: no benefits, no EPF, no insurance. And we don’t guarantee settlement speed—banking delays and blockchain congestion can slow things down. This is a straightforward invoicing convenience, with clear trade-offs.
Working Out of Kathmandu with US Clients
Kathmandu’s timezone (UTC+5:45) means you overlap with US East Coast mornings during early evening, and West Coast afternoons late at night. Plenty of freelancers here already keep those hours. Clients care about output, not your location.
English proficiency is high, and the valley’s IT sector is the country’s outsourcing centre. That means competition is real, so your portfolio and communication skills matter more than payment method. Panorama solves the invoice problem; finding clients and delivering work is your turf.