FendoMoney

Writing

Notes on getting paid from abroad, and on the paperwork that being self employed in Nigeria actually asks of you.


SEPTEMBER 12, 2026   9 MIN READ

Paid in USDT or USDC? A Nigerian freelancer's guide to VAT and withholding tax

Your client pays in stablecoin, your rent is in naira, and nobody hands you a payslip. Here is what the tax rules actually ask of you, and the paperwork that makes answering them a short evening instead of a bad week.

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SEPTEMBER 12, 2026   6 MIN READ

The awkward part is not the work. It is asking to be paid

Quotes that turn into invoices, a link your client opens in a browser with no app and no account, and reminders that come to you instead of to them.

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SEPTEMBER 12, 2026   5 MIN READ

The client who pays you every month is a different business

One retainer changes what you can plan, what you can refuse, and what a lender will believe. It also means raising the same invoice twelve times a year, which is exactly the kind of thing software should do.

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SEPTEMBER 12, 2026   5 MIN READ

Renting a flat when nobody gives you a payslip

Agents ask for three months of statements and an employer letter. You have neither. Here is what you can hand them instead, and what it deliberately does not say about you.

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