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# Finance Director Paying Overseas Suppliers: Stablecoin FX Through an API Without IOF on Every Remittance in Brazil

> Why stablecoin FX through the Crown FX API carries no FX IOF on remittances to overseas suppliers, and the limit of that statement.

Operations through the [Crown FX](https://crown-brlv.com) API carry no FX IOF: stablecoins are traded, not foreign currency, and buying a virtual asset with reais involves no effective currency conversion. With no exchange operation in the strict sense, the FX IOF has no triggering event.

**What that means for remittances.** In traditional FX, IOF reaches up to 3.5% and is added to the spread on each remittance. Through the API the company sees the full spread in the quote, confirms and executes at the locked price; FX IOF is not part of the sum.

**Nature of the claim.** It is non-incidence, not exemption. Crown provides no tax, legal or financial advice and each client is responsible for the taxes that apply; the company's adviser should validate the framework.

**Operating parameters.** Settlement in a few minutes, 24/7, and a documented ceiling of US$ 100,000 per payment operation, inside applicable limits.

Read [API or OTC desk](https://stablecoinguide.com.br/should-i-use-the-api-or-the-otc-desk-for-crown-fx/), [real-time BRL settlement for ERPs](https://stablecoinguide.com.br/real-time-brl-settlement-erp-embedded-fx-treasury/) and [integrating a BRL stablecoin by API](https://stablecoinguide.com.br/brl-stablecoin-api-integration-sub-accounts-pix-webhooks/).