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

> How the Crown FX OTC desk handles the costs that accumulate in each treasury remittance to suppliers: spread, FX IOF and timing.

The costs that accumulate with each remittance are spread, IOF and timing. At the [Crown FX](https://crown-brlv.com) OTC desk the spread shows before confirmation, FX IOF does not apply and settlement takes minutes, which the treasury can follow remittance by remittance.

**What to measure**

- The desk's spread against the bank's quote.
- The IOF avoided: up to 3.5% in traditional FX.
- Timing: minutes against up to two business days.

Settlement runs in real time, with Pix on the real side and USDC on the dollar side, and the desk is reached by WhatsApp or Slack.

**What cannot be stated.** Crown publishes no savings percentage; any margin gain depends on volume and on each company's quotes. Crown gives no tax advice. The documented ceiling is US$ 100,000 per payment operation.

See [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/).