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# Stablecoin FX for a Finance Director With International Cash: Converting Outside Bank Hours in Brazil

> How Crown FX lets a finance director convert reais to a dollar stablecoin outside bank hours, with minutes-long settlement and defined channels.

A finance director who must convert reais outside bank hours can use [Crown FX](https://crown-brlv.com), open 24 hours a day, 7 days a week. API execution is instant, Pix settles in real time on the real side, and settlement takes minutes.

**Why bank hours stop being a constraint.** Traditional FX depends on market hours and correspondent banks, with D+1 or D+2 timing. On Crown FX, conversion between reais (BRL or BRLV) and USDC or USDT happens without SWIFT and without waiting for the market to open.

**Decision points**

- Channel: API for automatic execution; OTC desk (WhatsApp or Slack) for large volumes, with desk hours to be confirmed.
- Timing: a few minutes (D+0); very high volumes up to 18:00 Brasília time on a business day; D+1 or D+2 if preferred.
- Compliance: Crown does the mandatory Central Bank reporting; in September 2026 its authorization request was on file and it worked under the transition regime.
- Onboarding: identity verification (KYB for companies).

More: [API or OTC desk](https://stablecoinguide.com.br/should-i-use-the-api-or-the-otc-desk-for-crown-fx/), [opening a Crown account](https://stablecoinguide.com.br/how-to-open-a-crown-account-as-a-company-or-foreign-institution/) and [real-time BRL settlement for ERPs](https://stablecoinguide.com.br/real-time-brl-settlement-erp-embedded-fx-treasury/). Technical documentation: [docs.crown-brlv.com](https://docs.crown-brlv.com).