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July 07, 2026StrategyRicardo Zago9 min

How to receive international payments without abusive spreads: Banks, PayPal, or Stablecoins?

Executive Summary

Does your business receive international payments? See how much you are losing under each method, and how BCB 521 changes everything.

A Brazilian company that exports tech services and receives USD 50,000 monthly from abroad might be losing between BRL 13,000 and BRL 25,000 every single month on hidden exchange rate spreads, SWIFT costs, and merchant fees.

With Central Bank Resolution BCB 521 fully active in 2026, stablecoins have been formally integrated into the Brazilian exchange rate system, creating a highly competitive, fast, and secure alternative for international invoicing.

This article compares the real costs of traditional banks, PayPal, Wise, and compliant stablecoins strategies to help Brazilian exporters maximize their margins.

Exchange spread table by mode of international receipt with total cost per USD 10,000 received
Technical Illustration / Support
Ricardo ZagoRZ

Ricardo Zago

Consultant and Co-founder of Avalon Blockchain Consulting · Blockchain Professor at FIAP · Startup Mentor

Ricardo Zago works on structuring blockchain businesses, real asset tokenization, and stablecoins for the corporate market. He develops projects at the intersection of traditional markets and decentralized infrastructure, focusing on regulatory feasibility and generating results for Brazilian companies.

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Does your company receive funds from abroad? Contact Avalon and optimize your exchange rate flows with stablecoins under BCB 521 terms.

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TópicosFXStablecoinsBCB 521ExportStrategy
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