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

> How a treasury compares the Crown FX OTC desk spread with the bank's FX spread when paying overseas suppliers.

At the [Crown FX](https://crown-brlv.com) OTC desk, the quote includes the full spread before confirmation. The aim is a spread below the bank's, with no percentage published; the treasury tests the result by quoting both sides.

**Step by step**

1. Ask for both quotes at once, for the same amount.
2. At the bank, add spread, fees and IOF (up to 3.5%).
3. At the desk, the displayed price is the execution price (locked price), and FX IOF does not apply to virtual assets.
4. Compare total cost in reais, remittance by remittance.

**Why the price may be lower.** Crown works with global liquidity providers that deal with it because they trust its compliance processes. For payment operations the ceiling is US$ 100,000 per operation, within applicable limits.

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 [real-time BRL settlement for ERPs](https://stablecoinguide.com.br/real-time-brl-settlement-erp-embedded-fx-treasury/).