How Brazilian companies can get paid in dollars, euros and stablecoins

If your company invoices clients abroad, you know the routine. The payment arrives, your bank converts it into reais, and between the spread, the IOF and the paperwork, part of your revenue is gone before you can use it. This happens on every incoming payment, even when you did not need reais that day.

The real cost of the FX funnel

For a Brazilian company receiving an international payment, the cost rarely shows up as a single line item. It stacks across three layers.

The exchange spread. When your bank converts incoming dollars or euros into reais, it applies a spread on top of the reference rate. That spread is often wider than what you see quoted online, and it is applied automatically on receipt. You do not approve it transaction by transaction. It just happens.

The IOF. Foreign exchange operations in Brazil are subject to IOF, a tax levied on FX transactions. The rate depends on the type of operation and can change with regulation. What matters for finance teams is that it is charged per conversion, on top of the spread, and it adds up across a year of incoming payments.

The documentation. Each incoming international payment typically requires supporting documentation: contracts, invoices, declarations. Operations teams spend time matching paperwork to bank credits, chasing missing documents, and reconciling what arrived against what was expected. That administrative cost is real even when it does not appear on a fee schedule.

These three layers repeat on every payment. They apply whether you needed reais that week or not. A client pays you in dollars on Monday, your bank converts on Tuesday, and the cost is locked in before you decide how to use the money.

A different setup: hold what you receive

Request Finance gives your company a different setup. You get dedicated account details in USD, EUR and GBP, plus stablecoin wallet addresses, all in one Business Account.

Two funding routes get you there:

1. Client payments. International clients pay directly by bank transfer to your dedicated account details, or in stablecoin to your wallet addresses. The payment lands in your balance as received, without an automatic conversion step on arrival.

2. Treasury transfers. Your company moves its own funds into the account, for example from an existing corporate balance abroad, to consolidate working capital in one place.

You no longer convert by default. You convert into reais when you decide.

What you can do once the money is in

Pay international suppliers and contractors directly in USD, EUR or stablecoin, without ever touching reais. Your design agency in Lisbon, your cloud vendor in Delaware, your contractor in Buenos Aires: same account, same records, no FX step in between.

Keep a working balance in dollars for the payments you know are coming. If you invoice in USD and pay most suppliers in USD, holding the currency you earn removes the round-trip conversion that erodes margin on every cycle.

Off-ramp to a Brazilian bank account when you actually need reais, at a moment you choose. Payroll in Brazil, local tax obligations, supplier payments in BRL: convert when the obligation is real, not when the payment arrives.

Run everything from one account with one set of records, instead of reconciling across a bank, an exchange and a spreadsheet. Accounts receivable, outgoing payments, and your cash position live in the same dashboard.

Stablecoins are a rail, not a trade

Many finance teams stop at the word stablecoin, because crypto brings to mind trading positions and capital gains. Receiving a client payment in USDC or USDT is a different thing entirely. A stablecoin is pegged to the dollar, so there is no price movement to speculate on. What arrives is the invoice amount, in dollar equivalent, on a different rail. The commercial substance of the transaction does not change: you invoiced a client, the client paid, and the payment is supported by the same invoice as any other.

How that revenue is recorded and taxed in Brazil is a question for your accountant, and the answer depends on your structure and your obligations, including reporting on assets held abroad. This article is not tax advice. What we can say is that the payment rail does not change what the transaction is.

Do my clients need to hold crypto?

No. Your clients can pay by normal bank transfer to the USD, EUR or GBP account details you share on the invoice. The payment arrives in your balance the same way any international wire would, except you control what happens next.

Stablecoin is an option for clients who prefer it, never a requirement. Some international clients already hold USDC and want to pay that way. Others will use SWIFT or local rails. You offer both on the same invoice through Request Finance, and you receive everything into one account.

Frequently asked questions

Can I receive payments in USD without a US company?

Yes. The Business Account gives your Brazilian company dedicated account details in USD, EUR and GBP without requiring a US entity. International clients pay to those details as they would to any corporate account abroad. Your company receives the funds in the currency sent, held in your Request balance until you decide what to do with them.

Do I need a crypto wallet to use this?

No. You can receive, hold, and pay entirely through bank transfer rails. Stablecoin wallet addresses are available if you or your clients want them, but they are optional. Most finance teams start with fiat collections and add stablecoin options when a specific client or corridor makes it worthwhile.

How long does it take to receive an international payment?

Bank transfers typically arrive within one to three business days depending on the corridor and the sending bank. Stablecoin payments settle in minutes once the sender confirms the transaction on chain. In both cases, the payment appears in your Request balance as soon as it is received, with a full record attached to the invoice.

Can I still convert to reais whenever I want?

Yes. When you need BRL, you off-ramp from your balance to a Brazilian bank account at a time you choose. You are not locked into holding dollars. You are choosing when the conversion happens, rather than accepting it automatically on every incoming payment.

What do I need to open an account?

A registered Brazilian company and its incorporation documents. Sign up, complete KYB verification when you activate your Business Account, and you can start exploring the platform. Verification is a one-time process required before payments go live. Timelines vary by company structure, but most teams are operational within a few business days of completing KYB.

Getting started

If your company invoices clients abroad and loses margin to the FX funnel on every payment, the first step is seeing whether holding what you receive fits your treasury workflow. Request Finance gives you dedicated account details, stablecoin wallet addresses, and off-ramp access in one Business Account, so you convert into reais when you decide, not when the bank decides for you.

Read how the global USD account works for companies without a US entity, or book a demo to walk through your incoming payment flows with the team.