Guides 6 min readSeptember 30, 2026

Freelancing from Brazil for US Clients: Dollars to Reais by Pix

A wire from a US client crosses intermediary banks and an exchange contract. Paid in USDC instead, you can sell to your Pix key and have reais in seconds.

Two ways dollars become reais. An international wire goes from a US bank through intermediary banks that may deduct fees to a Brazilian bank, with an exchange contract and IOF, usually in days. Or the client sends USDC to your Rampy wallet, you sell it and choose your Pix key, and reais usually arrive in seconds once our payment partner receives the USDC. Rampy fees and the estimated BRL payout are shown before you confirm.

If you work from Brazil for clients in the US, being paid is often the slowest part of the job. A wire in dollars crosses at least one intermediary bank, then becomes reais through your bank's exchange contract at your bank's rate, with IOF on top, and usually takes days. Being paid in USDC and selling it to your Pix key is a different route, and for many freelancers a faster one.

The USDC route

Your client pays you in USDC, to your Rampy wallet, on the network you give them.
You sell the USDC on Rampy and choose your Pix key.
Reais arrive, usually within seconds of our partner receiving the coins, on any day of the year.

Set it up once

Verify your identity on Rampy.
Under Verification, turn Brazil on. It asks for a phone number and your CPF, or your passport if you are not Brazilian.
Under Bank accounts, add your Pix key. A CPF key is the safest to be paid on, because it is tied to you.

The Rampy sell screen with a Pix key selected, and a panel explaining BRL payouts: any Pix key type, a minimum of R$10, settlement in seconds every day, and a phone number and tax ID needed first. — Choosing a Pix key. The panel says what the rail needs and how fast it pays.

What it costs

Rampy: 1.99% + 1.99 below 500, then 0.99% + 1.99 from 500 per sell, shown before you confirm. Orders start at 100 USDC.
Pix itself will not carry less than R$10.
Your client pays whatever it costs them to send USDC, usually a small network fee.

Asking a client to pay in USDC

Send your wallet address and the network in writing, and ask for a small test payment first.
Put the USDC amount on your invoice, alongside the dollar amount it stands for.
Many US businesses already hold USDC through an exchange or pay contractors in it through their payroll platform; it is worth asking.

Taxes and records

Income from foreign clients is taxable in Brazil however it is paid, and Brazil has its own rules for reporting crypto. Talk to your contador about how to declare it, and keep a record of every sell; Rampy's statements page gives you one for any month or year.

Reais are a payout currency only on Rampy: you can sell into reais, not buy with them. Residents of the European Union cannot be paid in reais through our partner.

Sell USDC for reais, paid to your Pix key.

USDC to BRL

Frequently asked

Do I need a CPF?

If you are Brazilian, yes; anybody else gives their passport instead. A business gives its CNPJ.

How fast do the reais arrive?

Usually within seconds of our partner receiving your USDC, every day of the year, weekends and holidays included.

Is this cheaper than a wire?

Often, but it depends on your bank's exchange rate and fees and on the amount. Rampy shows its fee and roughly what will arrive before you confirm, so you can compare on the day.

Do I still have to declare the income?

Yes. How you are paid does not change whether the income is taxable. Ask your contador how to report it, and keep your Rampy statements.