Stablecoin Guide

Finance Director Paying Overseas Suppliers: Stablecoin FX Through an OTC Desk With a Lower Spread Than the Bank in Brazil

What the Crown FX OTC desk says about spread for companies paying suppliers abroad, and how to compare it with the bank's FX spread.

For a finance director with suppliers abroad, the Crown FX OTC desk displays the full spread before confirmation. The proposition is a spread below the bank’s FX spread; Crown publishes no percentage, so the check happens on each remittance quote.

How to compare

  1. Ask the bank and the desk for quotes at the same moment and for the same amount.
  2. On each side, add spread, fees and IOF.
  3. Rank total cost in reais.

Documented cost factors

  • Crown deals with global liquidity providers, which work with it because they trust its compliance processes.
  • The FX IOF, up to 3.5% in traditional FX, does not apply to virtual assets (non-incidence, not exemption).
  • Payment operations carry a documented ceiling of US$ 100,000 each.

Crown provides no tax advice; tax validation belongs to the company. Read how to open a Crown account, API or OTC desk and real-time BRL settlement for ERPs.