More and more Brazilians are looking to use their cryptocurrencies practically in daily life — whether to pay for services in Brazil, make international purchases, or simply escape bank fees.

👉 But how to turn crypto into a viable means of payment?

Today, we already have several platforms and solutions that make this possible — even with some limitations you need to know.

Here is a clear overview for you to inform yourself and use strategically:

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✅ 1. International prepaid crypto cards

Cards linked to wallets or exchanges that automatically convert crypto to fiat currency at the time of purchase.

Main accessible options for Brazilians:

Bitpay Card

Available for residents with international accounts, but with the possibility of use for Brazilians with proper registration.

Crypto.com Card

Although not issued directly for Brazil, some Brazilians have managed to use it via international accounts.

CoinsPaid

Solution more focused on companies, but some fintechs offer integration.

Wise + conversion via exchanges (not a direct crypto card, but you can send stablecoins via on-ramp to Wise and spend with the card).

Advantages:

Global use (Visa/Mastercard).

Automatic conversion.

Avoids traditional currency exchange bureaucracy.

Limitations:

Many cards require KYC in jurisdictions outside Brazil.

Not all are formally available to residents in Brazil.

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✅ 2. Apps with integrated wallet + direct payment

Some wallets and apps already allow you to pay with crypto directly via QR code, or generate a virtual card.

Examples:

Binance Pay

Allows payments with crypto directly at partners, online stores, and P2P. Not yet integrated into cards in Brazil, but useful for direct payments.

Trust Wallet + WalletConnect

Usable in stores that accept payment via QR code with ERC-20 tokens or stablecoins.

Bitfy

Brazilian platform that allows payments in reais with automatic crypto conversion.

Z.ro Bank

Brazilian digital bank that offers a card and integration with crypto.

Advantages:

Does not rely on a physical card.

Direct use of crypto.

Integration with the Brazilian market.

Limitations:

Acceptance is still limited in physical commerce.

Not all stablecoins are accepted by default.

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✅ 3. Off-ramp: convert crypto to real and use with a bank card

If you don't want to rely on crypto cards, another approach is:

1. Convert crypto to real in an exchange.

2. Transfer to your traditional bank account or fintech (e.g., Nubank, C6, Wise).

3. Spend with your bank card normally.

Exchanges with good support for off-ramp in Brazil:

Binance (withdrawal in BRL via Pix).

Mercado Bitcoin.

Foxbit.

BitPreço.

NovaDAX.

Advantages:

Does not depend on a specific card.

Full support for stablecoins (USDT, USDC, DAI, etc.).

Limitations:

Generates conversion and IOF of 0.5% (crypto purchase) + spread.

May have withdrawal limits.

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✅ 4. Direct payment with crypto in Brazil

More and more stores and companies in Brazil accept crypto as direct payment, mainly via:

CoinPayments.

GoCrypto.

Bitfy.

Binance Pay (at selected partners).

Common uses:

E-commerces.

Technology companies.

Online services.

Advantages:

Payment with crypto 100%, without conversion to fiat.

Direct transaction on the blockchain.

Limitations:

Acceptance is still restricted.

Attention to volatility in the case of tokens that are not stablecoins.

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💡 My tip:

👉 Always keep a reserve of stablecoins (USDT, USDC, DAI) to use as a conversion base.

👉 Combine strategies: use off-ramp when necessary and crypto cards/apps when possible.

👉 Study the fees, conversion times, and possible legal limitations (especially for the use of international cards).

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Here, ethics guide every word. The commitment is to the truth, the focus is on your growth.

Let's go together on this journey — with awareness, clarity, and purpose.

👉 If this content helped you, follow my page to continue growing intelligently in the crypto world.

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