OxKhoirul

Disclosure: This article is part of a partnership with the BiyaPay Content Creator Program. All opinions are my own and this is not financial advice.
A problem a lot of us quietly have
AI tools have become part of my daily routine. I use them for research, writing, and checking ideas before I post. But the moment I want a paid plan, I hit the same wall many people in Indonesia hit: the checkout asks for a credit card.
Not everyone has one. Some local debit cards get declined on foreign sites. Some people don't want to link their main bank card to a dozen recurring subscriptions. Meanwhile, a lot of crypto users like me already hold USDT, a dollar-pegged balance that's sitting right there but can't be typed into a checkout form.
Why this matters more now
AI subscriptions aren't a one-off purchase anymore. Many people pay for two or three tools at once, plus software like design apps, cloud storage, or VPNs. Most of these are billed in USD. So the real question becomes: what's a practical way to pay recurring USD bills when your money lives in USDT?
The usual workarounds
Before looking at other options, these were the routes I knew about:
Asking a friend with a credit card to pay, then paying them back. It works, but it's awkward and not sustainable.Selling USDT for rupiah, then hoping a local card gets accepted. That means extra conversion steps, and it still might fail.Buying gift cards or vouchers from resellers. That adds markup and trust risk.
None of these feel clean for something you pay every month.
One option I looked into: BiyaPay EasyCard
BiyaPay has a virtual card called EasyCard that can be funded with USDT and used for supported online payments, such as subscriptions. The idea is simple: your USDT becomes a card balance you can use at checkout, without needing a traditional credit card.
This is the EasyCard page from BiyaPay. It lists popular AI services like ChatGPT, Gemini, Claude, Midjourney, Cursor and Deepseek.
How the flow generally works
Sign in. Create a BiyaPay account.Apply for EasyCard. Choose a card BIN, fill in the details, and top up the card with USDT.Use the card. Once approved, the virtual card can be used right away, with no separate activation step.Keep enough balance for the next billing cycle, since subscriptions renew automatically.
The official EasyCard steps: sign in, apply and top up, then use it right away.
What to check before you rely on it
This is the part I think matters most, because no card works everywhere:
Supported merchants. "Supported online payments" means not every site will accept it. Test with one subscription first before moving everything over.Fees. Check top-up, conversion, and any card fees in the app before you start. They affect the real monthly cost.Renewal timing. If the card balance runs low on the billing date, the payment can fail and your plan may pause.Availability. Card services can differ by region, so confirm you're eligible where you live.Security habits. Never share full card details in screenshots, chats, or with "helpers" offering to pay for you.
Who this makes sense for
From my perspective, this is most useful if you:
Already hold USDT and pay for one or more USD subscriptions.Don't have a credit card, or don't want to use your main card for recurring payments.Want subscription spending separated from the rest of your money.
If you rarely pay online or already have a card that works fine everywhere, you may not need it.
My takeaway
Paying for AI tools shouldn't require jumping through hoops. A USDT-funded virtual card like EasyCard is a practical option to consider, especially for crypto users without a credit card. Start small, test one subscription, check the fees, and decide from there.
How do you pay for your AI subscriptions right now? Let me know in the comments.
#BiyaPay #USDT #AITools #EasyCard

Disclosure: This article is part of a partnership with the BiyaPay Content Creator Program. All opinions are my own and this is not financial advice.
The problem I kept running into
As an Indonesian who's active in crypto, most of my idle funds sit in USDT. It's stable, it moves easily, and it's good for waiting on the right moment. But every time I watch stocks like NVIDIA or Apple move, I ask the same question: how do I get from USDT into real US stocks, not tokenized copies or CFDs?
The traditional route is long. I sell USDT for rupiah, withdraw the rupiah to my bank, open an account with a broker that offers US stocks, deposit again, and convert to dollars. Every step adds spreads, fees, and waiting time. When you want to invest small amounts on a regular schedule, that friction really adds up.
Why this question keeps coming up
A lot of crypto traders are now looking at traditional assets to diversify. US tech stocks, ETFs, and even gold come up often as a counterweight to a volatile crypto portfolio. The question isn't "should I?" anymore. It's "which route has the least hassle?"
One option I looked into: BiyaPay
One platform I looked into for this is BiyaPay. It's built as a one-stop platform: you can use USDT to invest in real US stocks through a licensed broker-dealer, without converting to rupiah first.
Here's what stood out to me, based on their official information:
US stock trading with 0 commission.Beyond stocks, access to ETFs, commodities, precious metals, and futures.0 maker fee on perpetual and spot trading.If you need fiat later, you can convert USDT to supported fiat currencies and send it to a bank account, at rates starting from 0.1%.
What the process looks like
This is the BiyaPay home screen on my phone, where stocks, crypto and transfers sit in one app.
Sign up and verify. Have your ID ready, since licensed investment platforms require KYC.Deposit USDT. Check which networks are supported (for example, TRC20 or ERC20) so your funds don't get lost.Allocate to your stock account. Your USDT balance funds purchases on the US market.Find the ticker and buy. For example, NVDA or AAPL, then choose an order type (market or limit).
Here's the NVDA page in the app, with the price chart and the buy option on the same screen.
Monitor and rebalance. If you need liquidity, you can sell the position and reuse the funds or convert them.
A quick comparison from my perspective
Fewer steps and fewer apps was the main difference for me. Fees and availability still depend on your region, so check them in the app.
What you still need to check
I don't want this to sound like everything is seamless. A few things you need to verify yourself:
Availability in your country. Services and features can differ by region, so make sure you're a supported user.Other fees. Zero commission doesn't mean zero cost. Check deposit, withdrawal, and conversion fees, plus spreads.US market hours. US exchanges open at night in Indonesia, so the biggest price moves often happen while we're asleep.Investment risk. Stocks can go down. No platform can guarantee returns.Taxes. Gains from foreign stocks still have tax implications, so learn the rules where you live.
My takeaway
If you hold USDT and want to diversify into US stocks without going back and forth through rupiah, a one stop platform like BiyaPay is worth looking into. What I appreciate is that the process gets shorter. But the final decision should still come from your own research, your risk tolerance, and the rules where you live.
If you hold USDT too, would you rather stay in crypto or start moving part of it into US stocks? Let me know in the comments.
#BiyaPay #USStocks #USDT #GlobalInvesting #NVDA