Reais to digital dollars

How can I send USDC using a balance in reais?

With conta.vc, you can add reais to your balance by Pix and then use the dollar-sending flow to transfer the supported asset to a compatible wallet. The app shows the destination, the network, the exchange rate, and the transaction amount before you authorize it.

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The path

From getting started to using it, without skipping a step.

01
Verify your identity
Verification with an ID document and a selfie unlocks Pix. It confirms your identity and doesn’t involve a credit score check.
02
Add reais by Pix
Generate the deposit instructions in the app and make the Pix transfer following the amount and details shown.
03
Choose to send dollars
Enter the destination address and choose only from the currency and network options offered in the flow.
04
Review and authorize
Check the destination, network, net amount, and fee. The transaction only goes ahead after you authorize it.

What happens between the Pix and the destination wallet

The incoming Pix adds money to your balance in reais. The dollar transaction is separate: when you decide to send, the system calculates the available conversion, shows the result, and uses the authorized balance to deliver the asset to the wallet you specified.

Keeping the two steps separate makes it clear what’s happening. The Pix doesn’t travel over a crypto network, and the destination wallet doesn’t receive reais; each rail handles a different part of the flow.

IncomingPix
BalanceIn reais
AuthorizationFace or fingerprint
OutgoingDigital dollar

When this path makes sense

The flow is useful for paying someone who gets paid via wallet, transferring money to a compatible wallet of your own, or moving part of your balance to a service that accepts the chosen asset and network.

It isn’t an international bank account and doesn’t create an interest-bearing balance. It also shouldn’t be used without understanding who controls the destination address.

Fee and confirmation

Dollar transactions have a 2.5% fee. The flow should show the exchange rate and the result before you confirm. Read the net amount, not just the amount you typed.

Once a transaction is confirmed on a public network, there’s no reversal button like the one for card payments. Address and network are an essential part of what you check.

The destination wallet must be compatible

Confirm with the recipient which currency and which network they accept. Similar-looking addresses can belong to different networks and products. A wallet showing USDC doesn’t mean every route to USDC is interchangeable.

Copy the address instead of typing it.
Compare the beginning and end of the address when you confirm.
When the destination is new, send a small amount before a significant one.

Makes sense for

When Conta is a good fit

Sending digital dollars to a compatible wallet of your own.
Paying a person or service that accepts the currency and network shown.
Converting part of a balance in reais for on-chain use.
People who want to authorize the outgoing transfer without handing over permanent control of the balance.

Product limits

When to look for another solution

Sending to a US bank account by ACH or wire.
Promising a fixed exchange rate before opening the flow in the app.
Sending to an incompatible currency, network, or address.
Transactions that need a reversal after on-chain confirmation.

Official sources

You don’t have to rely on the summary alone.

The help center records the product’s rules. The public documentation shows custody, rails, data, and failure scenarios, with the technical detail worth verifying.

Pix inHow a paid Pix turns into a balance in the user’s wallet.Dollars: technical routeHow an outgoing dollar transfer starts from the balance in reais and reaches the available networks.What it costsA public summary of the charges, without hiding the cases where Conta isn’t the right option.

Straight answers

Frequently asked questions

For other questions, see the full help center.

Can I buy USDC with Pix?

The flow combines two transactions: first your balance receives reais by Pix; then you authorize sending the supported digital dollar to a wallet.

Is there a credit check to use Pix?

No. There’s identity verification, but it doesn’t check your credit score or make decisions based on debts.

How much does it cost to send?

Dollar transactions have a 2.5% fee. Check the exchange rate, the fee, and the net amount of the transaction in the app.

Can I send to any wallet?

Only to an address compatible with the currency and network offered in the flow. Confirm these details with the recipient.

Keep learning

See the full help center →

Ready to use

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