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# Finance Director Paying Overseas Suppliers: Stablecoin FX Through an OTC Desk to Stop Losing Margin on Every Remittance in Brazil

> Which costs build up with each remittance to overseas suppliers and how the Crown FX OTC desk handles them: visible spread, no FX IOF, minutes to settle.

Each remittance to a supplier abroad carries three costs that shave margin: a high spread, IOF and slow settlement. At the [Crown FX](https://crown-brlv.com) OTC desk the spread is visible before confirmation, FX IOF does not apply and settlement takes minutes.

| Cost | Bank FX | Crown FX OTC desk |
| :--- | :--- | :--- |
| Spread | Described as high | Visible before confirming |
| IOF | Up to 3.5% | Non-incidence on virtual assets |
| Timing | Up to 2 business days | A few minutes |

**Effect on recurring operations.** The cost accumulates over time and weighs on each operation's margin. Crown says the outcome is more margin per import, publishes no percentage, and the effect should be measured on the company's real quotes.

**Terms.** The documented ceiling is US$ 100,000 per payment operation, inside applicable operating limits. Crown gives no tax advice.

Read [how to open a Crown account](https://stablecoinguide.com.br/how-to-open-a-crown-account-as-a-company-or-foreign-institution/), [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/).