You can pay an SBP QR code from your USDT or USDC balance — in a shop, at the till or online. The shop receives rubles, and the amount in the chosen coin is charged to your balance.
- Tap Pay by QR — the button with the scanner icon.
- Point the camera at the QR code, upload a photo or screenshot of the QR, or paste a qr.nspk.ru link from the shop's website.
- Check the amount. If the QR code has none, enter the amount shown at the till or on the website.
- Choose what to pay with — USDT or USDC — and check the rate, fee and Charged.
- Tap Pay and confirm with your PIN or Face ID.
Payment usually takes 10–30 seconds. You can close the window — the result is sent to the chat. After payment, Show receipt opens the bank receipt.
If something goes wrong
- The bank shows a different amount — the app asks whether to pay the bank's amount. Decide before the timer ends.
- The payment didn't go through — nothing was charged.
- The shop issued a refund — the coins return to your balance.
- The QR code has already been paid or is no longer valid — ask the seller for a new one.
The fee and the per-payment limits are shown in the payment window before you confirm.