Best way to receive USD as a Nepali freelancer in 2026 — current options compared

Comparing what actually works right now:

– Payoneer → eSewa: 2-3 day settlement, 2% fee. Reliable, recommended.
– Wise: works for personal accounts only with a Nepal bank, restrictions tightening.
– Direct bank wire: NPR 1500-2000 fee per wire, 5-7 days.
– Crypto: technically grey, do not recommend if you ever want to declare income.

If anyone has tried the new Khalti business account in 2026, please share.