Connect your wallet to make payments
How It Works
In just 3 steps, convert your cryptocurrencies into real payments in Brazil. No bureaucracy, no bank account needed.
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.
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.
Confirm and Done
Review the details, confirm the transaction in your wallet and wait ~30 seconds. Payment settled!
Features that make the difference
Built for those who value security, speed and transparency in every transaction.
Instant Settlement
Payments processed in seconds, with real-time confirmation.
Transparent Fees
Fees from 1.75%. No hidden fees, no surprises. You always know how much you'll pay.
Self-Custody
Your crypto never leaves your wallet until the moment of payment. You maintain full control.
24/7 Available
Works anytime, any day. No dependence on banking hours or holidays.
Automatic Conversion
Real-time quotes with the best market rates via liquidity aggregators.
Maximum Security
Audited smart contracts. On-chain verifiable transactions. Zero centralized points of failure.
Mobile First
Mobile-optimized interface. Pay your bills from anywhere, anytime.
Borderless
Ideal for Brazilians abroad or foreigners who need to pay bills in Brazil.
Full History
Track all your transactions with receipts and real-time status.
Supported Cryptocurrencies
Pay with major cryptocurrencies on multiple blockchains. 46 assets 9 networks.
Available Now
(46 assets)
Solana
10 assetsSolana
USD Coin
Tether
Seeker
USDS
EURC
PayPal USD
Wrapped Chainlink
Jupiter
Monad
Wrapped Ethereum
HyperEVM
3 assetsHyperliquid
USDC
Chainlink
Ripple
2 assetsXRP
Ripple USD
USDC
Base
6 assets
Ethereum (Base)
USDC
Ethena USDe
USDS
EURC
Chainlink
Tether
Arbitrum
7 assetsEthereum (Arbitrum)
Arbitrum
Tether
USDC
USDS
Ethena USDe
Chainlink
BNB
5 assetsBNB
Tether
USDC
Ethena USDe
Chainlink
Polygon
4 assets
Polygon
Tether
USDC
Chainlink
Optimism
6 assetsEthereum (Optimism)
Optimism
USDC
Tether
Ethena USDe
Chainlink
Monad
3 assetsMonad
USDC
Chainlink
Coming Soon
Bitcoin
Ethereum
TRON
Simple and fair pricing
No monthly fees, no hidden charges. You only pay when you use.
Basic
With simplified verification
minimum per transaction
- Instant PIX
- Bank boletos
- PIX minimum: R$ 1.20
- Boleto minimum: R$ 2.50
- Limit per transaction: R$ 650
- Daily limit: R$ 1,300
- Monthly limit: R$ 20,000
Verified
With manual registration (KYC)
progressive fee + Network Fee
- Everything in Basic
- Reduced fee starting at 1.75%
- PIX minimum: R$ 1.20
- Boleto minimum: R$ 2.50
- Limit per transaction: R$ 10,000
- Daily limit: R$ 30,000
- Monthly limit: R$ 100,000
- Same ownership transfers
Fee Examples
See how much you would pay for different transaction amounts.
| Transaction Value | KYC-1 (Basic) | KYC-2 (Verified) | ||
|---|---|---|---|---|
| PIX | Boleto | PIX | Boleto | |
| R$ 20,00 | R$ 1,20 | R$ 2,50 | R$ 1,20 | R$ 2,50 |
| R$ 50,00 | R$ 1,75 | R$ 2,50 | R$ 1,38 | R$ 2,50 |
| R$ 100,00 | R$ 3,50 | R$ 3,50 | R$ 2,75 | R$ 2,75 |
| R$ 500,00 | R$ 17,50 | R$ 17,50 | R$ 13,75 | R$ 13,75 |
| R$ 10.000,00 | R$ 350,00 | R$ 350,00 | R$ 250,00 | R$ 250,00 |
| R$ 60.000,00 | R$ 2.100,00 | R$ 2.100,00 | R$ 1.200,00 | R$ 1.200,00 |
Progressive Rates (KYC-3)
The higher the value, the lower the rate. Available for verified users.
Why choose PagFinance?
See how we compare to other ways of converting crypto to payments in Brazil.
| PagFinance | Exchanges | Legacy Gateways | |
|---|---|---|---|
| PIX in ~30s | Via withdrawal (D+0 to D+1) | ||
| Self-custody | |||
| Fee | 2.75% to 1.75% | 0.1-0.7% + withdrawal + gas + time | 3-8% |
| Blockchain networks | 9 | Varies | 1 (BTC) |
| Mandatory KYC | No (up to R$650) | Yes | Yes |
| Verifiable metrics | Dune Analytics |
Your crypto protected
We built PagFinance with security as an absolute priority. Self-custody means you always maintain full control of your cryptocurrencies.
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.
Cutting-Edge Cryptography
Communication protected by TLS 1.3 and sensitive data encrypted at rest with AES-256.
Redundant Infrastructure
Servers distributed across multiple regions with automatic failover for maximum availability.
Zero Knowledge
We don't store your private keys, seeds or passwords. Your security is our priority.
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
Thousands of people have already discovered the easiest way to use cryptocurrencies in Brazil.
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.
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!
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.
Talles Oliver
PT · Trustpilot
Very easy to use. I was out and needed to pay via PIX. It was very fast, almost 1 minute.
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.
Martin V. Morales
AR · Trustpilot
PagFinance is an excellent product for people in the Solana ecosystem.
Frequently Asked Questions
Find answers to the most common questions about PagFinance.
Nao e obrigatorio criar uma conta. Voce pode fazer pagamentos apenas conectando sua wallet. Criar uma conta oferece beneficios como historico de transacoes e taxas reduzidas.
Nao para transacoes ate R$ 650 por operacao (limite diario de R$ 1.300 e mensal de R$ 20.000). Basta conectar sua wallet. Para limites maiores, e necessario completar a verificacao de identidade (KYC) no app.
Sim. A PagFinance e ideal para brasileiros no exterior que precisam pagar contas no Brasil. Basta ter uma wallet com criptomoedas suportadas e acesso a internet. Nao e necessario ter conta bancaria brasileira.
A PagFinance e uma plataforma brasileira de pagamento cripto-to-fiat que permite pagar PIX e boletos usando criptomoedas como USDC, USDT, SOL e outros 46 ativos digitais em 9 redes blockchain. A liquidacao e feita em aproximadamente 30 segundos, com auto-custodia total e taxas transparentes a partir de 1,75%.
A PagFinance aceita 46 ativos digitais em 9 redes blockchain, incluindo USDC, USDT, SOL, ETH, XRP, HYPE, ARB, BNB, POL, LINK, JUP, EURC, PYUSD, USDS e USDe. As redes suportadas sao Solana, Base, Arbitrum, Polygon, Optimism, BNB Chain, XRPL, HyperEVM e Monad.
A PagFinance e compativel com as principais wallets Web3: Phantom, MetaMask, Solflare, Xaman (para XRPL), e outras wallets compativeis com WalletConnect. Suportamos wallets em todas as 9 redes blockchain disponiveis.
A PagFinance nao e uma exchange. E uma plataforma de pagamentos. Enquanto exchanges permitem comprar e vender criptomoedas (trading), a PagFinance converte suas criptos diretamente em pagamentos reais via PIX e boleto, sem etapas intermediarias. Voce nao precisa vender na exchange, transferir para banco e depois pagar. O processo e direto: cripto da sua wallet vira pagamento em 30 segundos.
Sim, maximo por transacao e de R$ 10.000,00. Para limites maiores, entre em contato com nosso suporte.
Cole o codigo de barras do boleto na PagFinance, selecione a criptomoeda e confirme. A plataforma converte a cripto em BRL e paga o boleto. Boletos sao processados em ate 24 horas uteis (prazo do sistema bancario). PIX e processado em ~30 segundos.
O processo e simples: conecte sua wallet, insira os dados do pagamento (PIX ou boleto), escolha a cripto e confirme. O pagamento e processado em aproximadamente 30 segundos.
O tempo medio de processamento e de aproximadamente 30 segundos para pagamentos PIX. Para boletos, o tempo pode variar dependendo do banco emissor.
A PagFinance esta em processo de autorizacao como Prestador de Servicos de Ativos Virtuais (PSAV) pelo Banco Central do Brasil, conforme as Resolucoes BCB 519, 520 e 521. A previsao de conclusao e outubro de 2026. A plataforma opera em conformidade com a Lei 14.478/2022 (Marco Legal dos Criptoativos).
Sim. A PagFinance opera com auto-custodia, o que significa que suas criptomoedas nunca saem da sua wallet ate o momento exato do pagamento. Todas as transacoes sao verificaveis on-chain. A plataforma nao armazena chaves privadas e esta em processo de autorizacao PSAV pelo Banco Central do Brasil.
Para usuarios KYC-2, a taxa comeca em 2,75% (ate R$ 5.000) e reduz progressivamente ate 1,75% (acima de R$ 100.000), com piso minimo de R$ 1,20 para PIX. Para KYC-1 (sem verificacao), a taxa e de 3,50%. A taxa ja inclui a conversao de cripto para BRL e o processamento do pagamento via PIX ou boleto. Nao ha mensalidades nem taxas ocultas.
Ready to pay bills
with cryptocurrencies?
Join thousands of Brazilians who have already discovered the easiest way to use their crypto daily.