PagFinance icon

Pay bills in Brazil
with cryptocurrencies

PIX and boletos paid straight from your wallet. Settlement in seconds, transparent fees, full self-custody.

R$ 20M+
Volume Processed
since Jan/2025
30.000
Transactions Settled
3.3x
Annual Growth
Verify on-chain on Dune Analytics →
New Transaction
R$
ValueR$ 500,00
Fee (1,75%)R$ 8,75
Estimated Total0.00 USDC

Connect your wallet to make payments

Open infrastructure

Built on the networks you already trust

AvalancheAvalanche
SolanaSolana
StellarStellar
BaseBase
RippleRipple
HyperEVMHyperEVM
ArbitrumArbitrum
BNBBNB
PolygonPolygon
OptimismOptimism
MonadMonad
TRONTRON

Verifiable metrics on Dune Analytics, public on-chain contracts.

Ecosystem

We don't operate alone

Infrastructure, global partners, and regulated counterparties that ensure liquidity, compliance, and scale for PagFinance in Brazil and abroad.

Trademarks are property of their respective owners.

Simple and Fast

How It Works

Three steps to turn crypto into a real payment. No bureaucracy, no bank account.

01

Connect your Wallet

Connect your wallet (Phantom, MetaMask, Solflare, etc.) in just one click. We support multiple networks. Your funds always remain under your control.

02

Enter the Details

Enter the PIX key, paste the boleto code or scan the QR Code. Enter the amount in reais you want to pay.

03

Confirm and Done

Review the details, confirm the transaction in your wallet and wait ~30 seconds. Payment settled!

Average processing time: ~30s
Why choose PagFinance

The essentials to pay with crypto

Fast settlement, clear fees and self-custody on every transaction.

Settlement in ~30 seconds

PIX clears instantly and boletos are processed without waiting for a bank withdrawal.

Fees from 1.75%

No monthly fees and no hidden charges. You see the full cost before confirming.

Self-Custody

Your crypto stays in your wallet until the moment of payment. The keys are yours.

Pay from anywhere

Works for Brazilians abroad and foreigners who need to pay bills in Brazil.

Supported

Cryptocurrencies

Pay with major cryptocurrencies on multiple blockchains. 56 assets · 12 networks.

Available Now

(56 assets)
Avalanche

Avalanche

3 assets
USDT
USDT

USDT

AVAX
AVAX

Avalanche

USDC
USDC

USDC

Solana

Solana

12 assets
BRLP
BRLP

Solana

SOL
SOL

Solana

USDC
USDC

USD Coin

USDT
USDT

Tether

XRP
XRP

XRP

SKR
SKR

Seeker

USDS
USDS

USDS

PYUSD
PYUSD

PayPal USD

EURC
EURC

EURC

LINK
LINK

Wrapped Chainlink

JUP
JUP

Jupiter

MON
MON

Monad

Soon
WETH
WETH

Wrapped Ethereum

Stellar

Stellar

2 assets
XLM
XLM

Stellar Lumens

USDC
USDC

USDC

Soon
BRLP
BRLP

BRLP

Base

Base

6 assets
ETH
ETH

Ethereum (Base)

USDC
USDC

USDC

USDe
USDe

Ethena USDe

USDS
USDS

USDS

EURC
EURC

EURC

LINK
LINK

Chainlink

Soon
USDT
USDT

Tether

Ripple

Ripple

2 assets
XRP
XRP

XRP

RLUSD
RLUSD

Ripple USD

Soon
USDC
USDC

USDC

HyperEVM

HyperEVM

3 assets
HYPE
HYPE

Hyperliquid

USDC
USDC

USDC

LINK
LINK

Chainlink

Arbitrum

Arbitrum

7 assets
ETH
ETH

Ethereum (Arbitrum)

ARB
ARB

Arbitrum

USDT
USDT

Tether

USDC
USDC

USDC

USDS
USDS

USDS

USDe
USDe

Ethena USDe

LINK
LINK

Chainlink

BNB

BNB

6 assets
BNB
BNB

BNB

USDT
USDT

Tether

USDC
USDC

USDC

USDe
USDe

Ethena USDe

XRP
XRP

XRP

LINK
LINK

Chainlink

Polygon

Polygon

4 assets
POL
POL

Polygon

USDT
USDT

Tether

USDC
USDC

USDC

LINK
LINK

Chainlink

Optimism

Optimism

6 assets
ETH
ETH

Ethereum (Optimism)

OP
OP

Optimism

USDC
USDC

USDC

USDT
USDT

Tether

USDe
USDe

Ethena USDe

LINK
LINK

Chainlink

Monad

Monad

3 assets
MON
MON

Monad

USDC
USDC

USDC

LINK
LINK

Chainlink

TRON

TRON

2 assets
TRX
TRX

TRON

USDT
USDT

Tether

Soon
USDC
USDC

USDC

Coming Soon

BTC
BTC

Bitcoin

ETH
ETH

Ethereum

Transparent Fees

Simple and fair pricing

No monthly fees, no hidden charges. You only pay when you use.

KYC-1

Basic

With simplified verification

3,50%

minimum per transaction

  • Instant PIX
  • Bank boletos
  • PIX minimum: R$ 1.20
  • Boleto minimum: R$ 2.50
  • Limit per transaction: R$ 500
  • Daily limit: R$ 1.000
  • Monthly limit: R$ 5.000
Recommended
KYC-2

Verified

With manual registration (KYC)

From 1,75%

progressive fee + minimum floor

  • Everything in Basic
  • Reduced fee starting at 1.75%
  • PIX minimum: R$ 1.20
  • Boleto minimum: R$ 2.50
  • Limit per transaction: R$ 5.000
  • Daily limit: R$ 10.000
  • Monthly limit: R$ 100.000
  • Same ownership transfers
B2B

B2B Partner

For companies and high volume

Custom

differentiated fees by volume

  • Differentiated fees by volume
  • Tailored terms
  • Dedicated support
  • API integration
Talk to our team

Fee Examples

See how much you would pay for different transaction amounts.

Transaction ValueKYC-1 (Basic)KYC-2 (Verified)
PIXBoletoPIXBoleto
R$ 20,00R$ 1,20R$ 2,50R$ 1,20R$ 2,50
R$ 50,00R$ 1,75R$ 2,50R$ 1,38R$ 2,50
R$ 100,00R$ 3,50R$ 3,50R$ 2,75R$ 2,75
R$ 500,00R$ 17,50R$ 17,50R$ 13,75R$ 13,75
R$ 10.000,00R$ 350,00R$ 350,00R$ 250,00R$ 250,00
R$ 60.000,00R$ 2.100,00R$ 2.100,00R$ 1.200,00R$ 1.200,00

Progressive Rates (KYC-2)

The higher the value, the lower the rate. Available for verified users.

2,75%
Up to R$ 5,000
2,50%
R$ 5.001 a R$ 50.000
2,00%
R$ 50.001 a R$ 100.000
1,75%
Above R$ 100,000
+ Minimum floor: R$ 1.20 (PIX) or R$ 2.50 (Boleto) per transaction
Comparison

Why choose PagFinance?

See how we compare to other ways of converting crypto to payments in Brazil.

PagFinanceExchanges
PIX in ~30sVia withdrawal (D+0 to D+1)
Self-custody
Fee2.75% to 1.75%0.1% to 0.7% + withdrawal + gas + time
Blockchain networks9Varies
Mandatory KYCSimplified (up to R$ 500)Yes
Verifiable metricsDune Analytics
See full comparison →On-chain verifiable data on Dune Analytics
Security First

Your crypto protected

Self-custody by default: your crypto stays in your wallet until the moment of payment.

Total Self-Custody

Your cryptocurrencies never leave your wallet until the exact moment of payment. You maintain full control of your private keys.

Verifiable Smart Contracts

Our smart contracts are open source and can be verified by anyone directly on the blockchain.

On-Chain Transparency

All transactions are recorded on the blockchain. You can verify each operation at any time.

Our Commitment to Security

Open Source Code

Published and verifiable smart contracts

Compliance

Regulatory compliance

Total Transparency

All our smart contracts are public and verifiable. We believe trust is built with transparency.

What our users

say

Real reviews from people who use PagFinance, published on Trustpilot.

4.2
Average rating
4.000+
Active users
R$ 20M+
Volume processed
99.9%
Uptime
BE

Bet

BR · Trustpilot

I've made several payments via boleto and PIX. With boleto I was a bit worried because you have to wait a little over 24 hours, but it really goes through. PIX payment is instant. Excellent service. Highly recommend.

TN

Thiago Nogueira

BR · Trustpilot

The user experience is incredible! Completely different from what we expect in the WEB3 environment! Everything is very simple and efficient, I highly recommend it!

BF

Bruno Felisberto

BR · Trustpilot

I've used it several times. Very easy to use, great rates and fast payments. I had an issue with one transaction and support was very quick to resolve it. Totally approved, I recommend it.

TO

Talles Oliver

PT · Trustpilot

Very easy to use. I was out and needed to pay via PIX. It was very fast, almost 1 minute.

LW

LinuxWeb

BR · Trustpilot

I had a purchase cancelled by a portal and a payment returned to PagFinance. The refund was sent back to my wallet after I contacted the helpdesk. All resolved. Works well.

MA

Martin V. Morales

AR · Trustpilot

PagFinance is an excellent product for people in the Solana ecosystem.

Like PagFinance?

Your review helps us improve and reach more people.

Rate on Trustpilot
Frequently Asked Questions

Frequently Asked Questions

Find answers to the most common questions about PagFinance.

Yes. To transact you must provide and validate your CPF (basic verification), which unlocks limits of up to R$ 500 per operation (R$ 1,000/day and R$ 5,000/month). For higher limits, you need to complete full identity verification (KYC) in the app.

An account is not required. You can make payments just by connecting your wallet. Creating an account gives you benefits such as a transaction history and reduced fees.

Yes. PagFinance is ideal for Brazilians abroad who need to pay bills in Brazil. You just need a wallet with supported cryptocurrencies and internet access. A Brazilian bank account is not required.

PagFinance is a Brazilian crypto-to-fiat payments platform that lets you pay PIX and boletos using cryptocurrencies such as USDC, USDT, SOL and 46 other digital assets across 9 blockchain networks. Settlement takes roughly 30 seconds, with full self-custody and transparent fees starting at 1.75%.

PagFinance is not an exchange. It is a payments platform. While exchanges let you buy and sell cryptocurrencies (trading), PagFinance converts your crypto directly into real payments via PIX and boleto, with no intermediate steps. You do not have to sell on an exchange, transfer to a bank, and then pay. The process is direct: crypto from your wallet becomes a payment in 30 seconds.

PagFinance accepts 46 digital assets across 9 blockchain networks, including USDC, USDT, SOL, ETH, XRP, HYPE, ARB, BNB, POL, LINK, JUP, EURC, PYUSD, USDS and USDe. Supported networks are Solana, Base, Arbitrum, Polygon, Optimism, BNB Chain, XRPL, HyperEVM and Monad.

PagFinance is compatible with the main Web3 wallets: Phantom, MetaMask, Solflare, Xaman (for XRPL), and any other wallet that supports WalletConnect. We support wallets on all 9 supported blockchain networks.

Yes, the maximum per transaction is R$ 10,000.00. For higher limits, please contact our support.

Paste the boleto barcode on PagFinance, select the cryptocurrency and confirm. The platform converts the crypto into BRL and pays the boleto. Boletos are processed within 24 business hours (banking-system turnaround). PIX is processed in roughly 30 seconds.

The process is simple: connect your wallet, enter the payment details (PIX or boleto), pick the crypto and confirm. The payment is processed in roughly 30 seconds.

Average processing time is around 30 seconds for PIX payments. Boletos may take longer depending on the issuing bank.

Yes. PagFinance operates with self-custody, which means your crypto never leaves your wallet until the exact moment of payment. All transactions are verifiable on-chain. The platform does not store private keys and is in the process of PSAV authorization by the Central Bank of Brazil.

PagFinance is in the process of authorization as a Virtual Asset Service Provider (PSAV) by the Central Bank of Brazil, under BCB Resolutions 519, 520 and 521. Completion is expected for October 2026. The platform operates in compliance with Law 14,478/2022 (the Brazilian Crypto Legal Framework).

For KYC-2 users, the fee starts at 2.75% (up to R$ 5,000) and drops progressively to 1.75% (above R$ 100,000), with a minimum floor of R$ 1.20 for PIX. For KYC-1 (no verification), the fee is a flat 3.50%. The fee already includes crypto-to-BRL conversion and payment processing via PIX or boleto. There are no monthly fees and no hidden charges.

Still have questions?

Our team is ready to help you.

Contact Support
Start now, it's free

Ready to pay bills
with cryptocurrencies?

Use your crypto to pay PIX and boletos in Brazil in seconds, without giving up custody.

Settlement in ~30s
Self-custody
24/7 available
Start Now