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Your bank can block your money at any time. Did you know?

Your Money in the Bank Isn't Really Yours. Until You Need It.

Blocks without warning. Ridiculous limits. Banking hours. Endless bureaucracy. Meanwhile, your cryptos are 100% YOURS — and with Pangeapay, you transform crypto into Pix 24/7, without limits, without bureaucracy.

Open your account (and take back control of your money)

Save in crypto • Convert to Pix whenever you want • 24/7/365 • No limit

Your cryptos, your keys, your control
No blocks, no bureaucracy, no schedule
Pix 24/7/365 — even Sunday at dawn
No limit on use or movement

Banco Tradicional

Schedule6am-10pm (business days)
LimitR$ 1,000-5,000/day
BlocksAt any time
Your moneyTheirs (until you need it)
BureaucracyInfinite

Pangeapay

Schedule24/7/365
LimitNo limit
BlocksImpossible
Your moneyYOURS (always)
BureaucracyZero

You Worked For Your Money. But Who Really Controls It?

Spoiler: It's not you. It's the bank. And they can block, limit, or deny access whenever they want.

Block Without Warning

The Most Brutal Pain

Friday, 6pm. You're going to pay for something important. Open the bank app: "Balance blocked for verification". Call the bank: "Please wait 3-5 business days". Your money. Blocked. No explanation. No prediction. And you can't do ANYTHING.

37% of Brazilians have already had their balance blocked without prior notice

Source: Datafolha 2024 Survey

Banking Hours

Your Money Has Hours

You don't just work from 9am to 5pm. Your bills aren't only due during business hours. Emergencies don't schedule times. But your bank? That one has a schedule.

Pix after 10pm? R$ 1,000 limit
Weekend? Even lower limit
Holiday? Forget TED/DOC
Early morning? Good luck

Ridiculous Limits

Your Money, Their Rules

You have R$ 50,000 in your account. But you can only use R$ 1,000 per Pix after 8pm. Your money. Your rules? NO.

Pix day

R$ 5,000

Pix night

R$ 1,000

TED

R$ 10,000

Withdrawal

R$ 3,000

Infinite Bureaucracy

Every Move Is An Interrogation

Want to move YOUR money? Prepare yourself: "What is the origin?", "Send proof", "Justify", "Wait 3-5 days". What if I don't answer quickly? Automatic lock. Your money has become a hostage to bureaucracy.

Constant Surveillance

Big Brother Banking

Every cent you move is monitored, analyzed, reported, and judged by algorithms. Moved "too much"? Block. Moved "differently"? Block. Made Pix too late? Block.

Your Money Is Not Yours

The Truth Banks Hide

When you deposit money in the bank, it is no longer yours. Legally, you became the bank's CREDITOR. The bank owes you money — but it is not obligated to give it when you want.

Bank fails? You lose above R$ 250k. Bank decides to block? You wait.

Judicial Block

Your Money Is Gone

Someone sued you? Automatic attachment. You wake up. Balance: R$ 0. No warning. No prior defense. And worse: they block everything, until the value of the seizure is defined.

You Have No Control

And They Know It

Your money has a schedule, has a limit, can be blocked, can be seized, is monitored and requires bureaucracy. And you accept this because "there is no alternative". Until now.

YOU WORKED FOR YOUR MONEY

Woke up early. Caught traffic. Worked hard. Paid taxes. And in the end, who controls your money? THE BANK.

They decide:

When you can use
How much you can use
If you can use

This is not freedom. It's financial prison. And there is a way out.

Meanwhile, Banks Make Billions in Profits With YOUR Money

They block, limit and bureaucratize. But they never stop making profits.

Your "Standing" Money is Earning... For Them

You have R$ 10,000 in your checking account. Bank pays you: 0%. Bank lends your money: 15-20% per year. Bank's profit with YOUR money: R$ 1,500-2,000/year. You receive: R$ 0. And they still block you when you want to use it.

"Security" Is An Excuse For Control

The more blocks, the more your money stays "trapped" earning for them. The more bureaucracy, the less you move. The more limits, the more you depend on them. "Security" has become synonymous with "control".

Banks Have Power. You Don't.

Bank blocks your money: you can't do anything, you have nowhere to turn, you wait. You want to block the bank? Impossible. They have lawyers, lobby, power. The game is unequal. And you always lose.

ENOUGH.

No more asking permission to use YOUR money.

No more waiting for "banking hours".

No more ridiculous limits.

No more unexplained blockages.

ENOUGH OF BEING HOSTAGES.

There is a way to take back control. And you are about to find out.

Your Cryptos Are Yours. Always. No Exception.

Store your money in crypto (no one can block, limit or control). Use Pangeapay to have 24/7 liquidity via Pix. Just like that.

Your Cryptos

100% yours No one controls No blocks No limit

You control
Pangeapay

Converts crypto into Pix when you want

You decide
Pix 24/7

Pix instantly Any value Any time No limit

You use
1

SAVE IN CRYPTO

Your keys, your rules

Your cryptos are yours (not the bank's, not the government's, yours)
No one can block (neither bank, nor judge, nor government)
No one can limit (you decide how much to move)
No one can confiscate (your keys, your control)
No hours (the blockchain works 24/7/365)
No bureaucracy (no need to ask permission)

"Not your keys, not your coins" — if it's in your wallet, it's yours.

2

PANGEAPAY PROVIDES LIQUIDITY

Crypto → Pix 24/7

Convert your cryptos to Pix whenever you want
24 hours a day, 7 days a week, 365 days a year
No value limit (R$ 100 or R$ 100,000? Ok.)
No bureaucracy (no need to explain and justify)
Instant (crypto turns into Pix in minutes)

You have the security of crypto + the liquidity of Pix.

3

USE IT WHEN YOU WANT

No limit, no schedule

Pay a bill at 3am on Sunday
Receive R$ 50,000 Pix on the holiday
Move as much as you want, when you want
Without asking permission from the manager
No fear of blocks

Your money. Your rules. Finally.

Real Financial Freedom

It's not about having a lot of money. It's about having control over your money.

Save in crypto. Use Pangeapay. Live free.

3 Steps to Financial Freedom

1

Store your money in crypto

Buy USDC, USDT, BRLA or EURC
Store in your own wallet (Ledger, Trezor, Trust Wallet, etc.)
Your keys, your cryptos, your control
And no one can block, limit or confiscate

USDC/USDT: Dollar-pegged stablecoins • EURC: Euro-pegged stablecoin • BRLA: Real-pegged stablecoin (zero volatility)

2

Create PANGEAPAY account

Free, 3 minutes

Visit pangeapay.org
Quick registration (Name, Email, CPF)
Automatic verification
Account approved in minutes
Cost: R$ 0 (Free)Time: 3 minutesBureaucracy: Zero
3

Convert Crypto to Pix

When you want

Need Reais? Enter Pangeapay
Choose how much you want to convert
Send your cryptos to Pangeapay
We convert to Reais and make the Pix
All this in seconds!
Hours: 24/7/365Limit: No limitRate: 3%
Scenario: Sunday, 11pm. You need R$ 10,000 urgently.

TRADITIONAL BANK

Hours: Closed
Pix Night Limit: R$ 1,000
TED: Only on Monday
IMPOSSIBLE

PANGEAPAY

You have 0.05 BTC in your wallet
Enter Pangeapay
Converts ₿0.033 to R$ 10,000
Receive Pix in 10 minutes
SOLVED

What you get Crypto + Pangeapay

TOTAL CONTROL

Your cryptos, your rules

You are the sole owner
No one can block
No one can limit
No one can confiscate
No one can deny access
Bank: They control
Crypto: You control

24/7/365

No banking hours

Convert crypto to Pix at 3am
Sunday? It works
Holiday? It works
New Year? It works

NO LIMIT

Move as much as you want

Want to convert R$ 100? Yes
Want to convert R$ 100,000? Also ok
No daily limit
No night limit
No weekend limit

IMPOSSIBLE TO BLOCK

No one can stop you

Bank cannot block (not in the bank)
Government cannot block (blockchain is decentralized)
Judge cannot block (no way to garnish wallet)
Algorithm cannot block (you control the keys)

ZERO BUREAUCRACY

No justifications

No need to explain origin
No need to justify use
No need to send documents
No need to call the manager
No need to ask permission

ANTI-GARNISHMENT PROTECTION

Your assets safe

Judicial attachment? Does not reach crypto in your own wallet
Account block? Your cryptos are safe
Confiscation? Impossible without your private keys

We do not encourage evasion or fraud. But your crypto assets are private and protected.

PROTECTION AGAINST INFLATION

Money that doesn't melt

Dollar-pegged stablecoins (1 USDC = 1 USD)
Protects against Real inflation
EURC and BRLA: Euro and Real stablecoins
Real: Inflation 4-10% per year
USDC/USDT: Maintains purchasing power

GLOBAL PORTABILITY

Your money goes where you go

Changed country? Your cryptos go with it
Travel? Access from anywhere
No borders and no bureaucracy
Your keys = Your money (anywhere)
Bank: Borders, fees and bureaucracy
Crypto: No geographical limits

Real situations where Pangeapay makes a difference

Early Morning Emergency

Sunday, 2am. Family member in hospital needs R$ 15,000 urgently.

Banco Tradicional

Closed
Pix Night Limit: R$ 1,000
TED only on Monday
IMPOSSIBLE

Pangeapay

Converts crypto into Pix
R$ 15,000 in 10 minutes
SOLVED

Balance blocked for no reason

You received R$ 30,000 from the sale of a car. Bank blocked "for verification".

Banco Tradicional

Balance blocked
"Please allow 3-5 business days"
Bills to pay, you without the money
HOSTAGE

Pangeapay

Your cryptos don't lock
Convert to Pix whenever you want
FREE

Business Opportunity

Friday, 8pm. Opportunity with 50% discount. Have to pay R$ 25,000 by midnight.

Banco Tradicional

Pix Night Limit: R$ 5,000
TED only on Monday
Manager already left
LOST

Pangeapay

Converts crypto into Pix
R$ 25,000 in minutes
AGREED

Anti-Garnishment Protection

Court case. Judge decides to garnish R$ 10,000.

Banco Tradicional

Automatic attachment
They block everything (sometimes more than the value)
Running out of money to live
BLOCKED

Pangeapay

Pledge doesn't reach the cryptos in your wallet
You maintain control
Convert to Pix when you need it
PROTECTED

Changing Country

Going to live abroad. Have to take your money.

Banco Tradicional

International transfer: 5-10% fee
Infinite bureaucracy
Takes days/weeks
BUREAUCRACY

Pangeapay

Your cryptos go with you (your keys)
Reach the country, use Pangeapay
No fees, no bureaucracy
TOTAL PORTABILITY

Thousands of Brazilians have already taken back control of money

R$ 170 Million

in Crypto converted

5,000+

Users

24/7

Conversions available

Conformidade Internacional
5.000+ usuarios satisfeitos
Conversoes 24/7/365

Bank vs Crypto vs Crypto + Pangeapay

Traditional Bank

Hostage
Who controlsBank
BlocksCommon
LimitRidiculous
BureaucracyInfinite
Pix Day6am - 10pm
Pix NightLimit R$ 1,000
PawnAutomatic
InflationLoses value
You areHostage

Crypto in your Wallet

Owner
Who controlsYOU
BlocksImpossible
LimitNo limit
BureaucracyZero
Blockchain24/7/365
No scheduleBanking
PawnDoes not reach
InflationProtected
ProblemNo liquidity

Crypto + Pangeapay

Free
Who controlsYOU
BlocksImpossible
LimitNo limit
BureaucracyZero
Conversion24/7/365
PixAt any time
PawnDoes not reach
InflationProtected
You areFREE

Frequently Asked Questions

Every day you wait, you remain a hostage

QUANTAS VEZES ISSO JA ACONTECEU COM VOCE?

Need money outside banking hours
Had balance blocked without explanation
Hit the ridiculous Pix limit
Opportunity missed because of bureaucracy
Feel like your money isn't really yours

How many more times will you accept this?

VOCE TEM DUAS ESCOLHAS

Option 1: Remain a Hostage

Accept blocks
Accept limits
Accept bureaucracy
Accept banking hours
Accept that your money is not yours

Option 2: Take Back Control

Store in crypto (your keys, your rules)
Use Pangeapay (24/7 liquidity)
Live free
Which one do you choose?

Take Back Control of Your Money Today

Create a free Pangeapay account. Convert crypto to Pix 24/7. No limit. No bureaucracy. No blocks.

Open your account (and take back control of your money)

Register in 3 minutes • Conversion 24/7/365 • 3% fee

retome.cta.ctaSecondary
Regulated by the Central Bank
Over 5,000 users
24/7/365 conversion

You worked for your money. You deserve to control it. Your cryptos. Your rules. Your freedom.