Balance in local currency or digital dollars
You pick the currency you read your money in. Same account, your choice of view.
BRLUSDCUSDT
PIX IN. DOLAR OUT.
Hold digital dollars. Pay your bills with them.
Open your free digital account. Your balance sits in digital dollars and becomes a payment the moment you need one: Pix and boleto in Brazil, and sending to any wallet anywhere.
PIX IN. DOLAR OUT.
From money in to payment out, in one move.
No exchange in the middle, no transfer to your bank and no waiting. Your digital dollars become the payment inside the same account.
- 01
Money comes in
In Brazil, through Pix, the way people already pay. It lands in your account already in digital dollars.
- 02
Hold it in digital dollars
Your balance follows the dollar rate and stays ready to use at any time. Read it in local currency or in digital dollars, whichever you prefer.
- 03
Pay Pix and boleto
Key, QR code, copy and paste and barcode. Conversion to local currency happens at the moment of payment, with nothing for you to do beforehand.
- 04
Send to other wallets
Send digital dollars to any wallet, in Brazil or abroad, on other networks too.
- Pix by key, QR code and copy and paste
- Boleto by barcode
- Send to another wallet
- Balance in local currency or digital dollars
Zafe is not an exchange.
There is no buying or selling here, no charts, no orders. Zafe is a payments platform that brings your sales and your payments together in one place, in Brazil and beyond it, on the most used digital dollar currencies in the world.
What comes with the account.
0
Free account, no monthly fee
Opening and keeping your account costs nothing: no subscription, no premium tier, no maintenance fee. You pay per operation, and that is all.
You are in control of every payout
Money lands in your account on its own. To leave, it needs your confirmation, and nobody can give it in your place.
Charge, send the link, get paid.
Create the charge in your account, send the link wherever you like and get paid. Whoever opens it pays without a Zafe account and without installing anything.
You decide what you accept, one charge at a time
On every charge you mark whether you take Pix, crypto, or both. Mark both and the buyer picks.
Checkout
Your buyer pays with the wallet they already have.
Your charge becomes a link. Whoever opens it chooses how to pay: through Pix, or by connecting the wallet they already use. The amount lands in your account as digital dollars, and you just follow along.
- 01
No Zafe account and nothing to install. Just the link.
- 02
You choose, charge by charge, whether you accept Pix, digital dollars or both.
- 03
It works with the wallet and the network they already use, and conversion happens on the way.
Phantom, MetaMask, Trust, Ledger and more than 500 wallets.
Self-custody of financial assets
Your money stays with you, not with us. Your Zafe account exists to convert on the way in and on the way out.
USDC · USDT
USDC and USDT: real digital dollars, in your account.
Your account holds the two most used digital dollar currencies in the world. Pix comes in as USDC, and USDT arrives by transfer from another wallet. Both pay Pix and boleto, and both go out to another wallet.
Send to other networks
Solana, Polygon and TRON. You paste the address and Zafe works out where it goes.
Receive from any wallet
Through the checkout, your buyer pays with the wallet and the network they already use. What reaches your account is digital dollars.
You do not pick the network
Paste the address and Zafe works out the network on its own. An address on the wrong network is money gone, and that is not a decision we hand to you.
Digital dollars keep no business hours and no borders.
The money in your account is digital dollars, and they move at any hour, weekends and holidays included. You send to any wallet, in Brazil or outside it.
Import and pay suppliers abroad?
You know the queue: the bank exchange desk, the intermediary on the way and a deadline that is not up to you. With Zafe the amount leaves your wallet in digital dollars, at any hour. Above certain volumes the operation follows its own rules, and we explain that before you start.
Getting to a bank account abroad
Send your digital dollars to the exchange where you already have an account and withdraw there, with your own bank and your own verification.
Already hold a balance at an exchange?
If your money is already there, withdrawing there works. To pay a bill in Brazil the path gets long: sell, wait for settlement, move it to the bank and only then pay. With Zafe the payment leaves your wallet directly, at any hour.
Paid in crypto and paying the month's bills?
Rent, power, card, boleto. The digital dollars in your account settle the Pix or the boleto without going through an exchange and without waiting for settlement.
Living abroad and paying in Brazil?
Brazilian exchanges usually ask for a Brazilian bank account before they let you withdraw. Here the payment comes out of the digital dollars in your wallet and lands as a Pix or a boleto, with no bank account of your own in the middle.
Swap
Convert between the currencies in your account, on the spot.
Received in one currency and want to pay with another? Convert inside your own account, in a few taps. The rate appears before you confirm, and nothing leaves without your authorization.
Pricing
Opening and keeping it is free. You pay per operation.
No monthly fee, no subscription and no maintenance charge. The cost of the operation shows on screen before you confirm, every time.
USDC and USDT
The currencies in your account
2%
on every operation in the account
- Receive by Pix: 2%
- Pay Pix: 2% + R$ 1.20
- Pay boleto: 2% + R$ 2.50
- Send to another wallet: 2%
- Convert between your currencies: 2%
- Deposit crypto: free
- Pix from R$ 50
Why Zafe
ZafeExchange
Pay Pix straight from the wallet
Zafeyes
Exchangeno
Pay boleto straight from the wallet
Zafeyes
Exchangeno
Pix that comes in is already digital dollars
Zafeyes
Exchangeyou buy them after
Send to another network
Zafe
Exchangewithdrawal and network fees
Charge with a payment link
Zafeyes
Exchangeno
Self-custody
Zafeyes
Exchangeno
Brazilian IOF tax on your balance
ZafeZero
Exchangeconversion fee on every purchase
What it costs to hold dollars
Example: R$ 10,000 in sales turning into dollars
Wire through a bank or broker
R$ 626
6.26%, the August 2026 median, IOF included
Zafe
R$ 200
2%, no IOF today
You save
R$ 426
At the bank
You close an exchange contract and send the money. To pay a bill in Brazil later, you convert it back, with a spread and 0.38% IOF.
At Zafe
The Pix comes in and becomes digital dollars. When you need it, it pays a Pix or a boleto straight away.
The difference stays with you. Open your free account and receive your next Pix already in digital dollars.
Open your free digital account.
In a few steps you are already receiving, paying your bills and sending digital dollars wherever you need them.
Frequently asked questions
No. No buying, no selling, no charts, no orders. On an exchange you sell the crypto, transfer it to your bank and only then pay. On Zafe the digital dollars in your wallet become the payment directly, with nothing in between.
Open your digital dollar account.
It is free, and in a few steps you are already receiving.
- Free account, no monthly fee
- Your money stays with you
- Every payout needs your approval
- Zafe never sends links