My crypto setup as a remote worker getting paid in USDT (living in Europe)

Hello to all crypto bros!

I’m not a strong crypto guy, just a person who gets paid in USDT and needs to actually live on it. Want to share my current crypto setup, where I earn in USDT spend it with cash or crypto cards.

Here’s my current setup:

Receiving: Salary comes straight to Trust Wallet. Simple, no middleman. Trust Wallet is probably THE most easiest wallet I have ever had.

Cash out: I cash out my USDT into cash via offline crypto exchanges. Send USDT — get EUR/USD cash or any other currency.

Spending: I loaded my Coca Card with not big amounts — use it for daily expenses. Works everywhere like a regular card: cashback, Apple Pay, APY and a few other perks.

Trading: Sometimes I move some funds to Hyperliquid and trade BTC or ETH when the news looks interesting. I trade a few times per month — not big amounts, and no big leverage either. Only DEX, no CEX — I don’t want my funds sitting on an centralised exchange.

Why I am not using CEX — once my CEX account was blocked and my crypto CEX card also get blocked. I was travelling, not the best experience!

This is how I’ve been living for the last 3 years, and I’d say it’s a pretty perfect setup — fast, with very few problems. What I still need to fix: I know I should move the bulk of my holdings to a Ledger. Still haven’t done it. Classic.

Curious how others in Europe handle USDT income day-to-day. Any better setups?