I live in a developing country and crypto saves me $150-$300 each month (higher than our minimum monthly wage) and that’s a fucking lot

I honestly don’t care about HODLING crypto (more power to all of you though).

I was forced into it because I was losing so much money from traditional banking.

Background: I get most of my income from marketing clients abroad (I manage digital ad campaigns). Paypal/Swift used be the default method to get paid because it was ubiquitous and honestly quite easy to use for clients.

But Paypal charged me A LOT.

They take a cut from each payment I get from each client Then they take another cut to convert those funds (ie. USD, AUD) into my local currency Finally they charge me to transfer funds to my bank account There’s no interest or staking on any funds I leave and don’t transfer to a local account

This happens to each client and for each payment. All these fees and extra charges each month easily add up to $150-$300.

For context, this is how much $300 is worth in my country:

I can get 6 weeks’ worth of groceries for my 5-person household It’s almost 50% higher than our minimum wage It’s equal to more than half what a young professional earns each month in their 1st job I can eat 98 Big Macs

Now, I get paid in crypto (not all, but a big chunk). It’s mostly XRP because it’s easy to withdraw here and the fees are next to nothing.

I basically get a bonus paycheck every month and I love it.

I now have less stress because of strict budgets for groceries, can buy actual good quality stuff, and have a bit extra to get a few small gifts every now and then for the people I care about.

But it also makes me sad because there are literal millions of people like me who rely on payments or remittances from abroad to survive.

$300 might be small time for folks in the US, but it’s life changing for us.