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# BRL/USDC FX API for a Payments Lead at a Cross-Border Fintech: A Last-Mile Settlement Rail in Brazil

> How a cross-border payments lead uses the Crown FX API to settle BRL and USDC on the last mile, with Pix and sub-accounts.

For a cross-border payments lead, the [Crown FX](https://crown-brlv.com) API settles BRL and USDC on the last mile: the conversion between USDC and reais clears in real time, with Pix on the real side.

**The last-mile flow**

1. The fintech gets a quote by API.
2. It confirms, and the order executes at the locked price.
3. Settlement runs in real time: USDC on the dollar side, Pix on the real side.
4. The fintech receives the order-completed webhook and reconciles from the transaction history.

**Tools for the operation.** Sub-accounts per customer with the fintech's own brand, wallets and transfers, withdrawals by Pix, TED or token, and webhooks for each event. Documentation: [docs.crown-brlv.com](https://docs.crown-brlv.com).

**Regulatory status.** Crown consolidates Central Bank reporting, end-user transactions included, and in September 2026 it operated under the transition regime with its authorization request on file.

See [settling the real leg of inbound transfers](https://stablecoinguide.com.br/remittance-platform-settle-brazilian-real-leg-inbound-transfers/), [API or OTC desk](https://stablecoinguide.com.br/should-i-use-the-api-or-the-otc-desk-for-crown-fx/) and [integrating a BRL stablecoin by API](https://stablecoinguide.com.br/brl-stablecoin-api-integration-sub-accounts-pix-webhooks/).