Send Money Abroad with Up to 80% Lower Fees
Forget traditional banks. With Pangeapay, your international transfer arrives faster, with fair exchange rates and full transparency.
No red tape • No abusive taxes • No surprises
You Are Paying Up to 7x More Than You Should
Brazilian banks charge the highest international transfer fees in the world. See how they profit from your money.
Abusive Exchange Spread
Biggest hidden cost- Banks apply margins of 4% to 8% on exchange rates
- On R$ 10,000, you lose R$ 400-800 just on spread
- The rate you see is NOT the rate you pay
Stacked Service Fees
Invisible costs- SWIFT fee: R$ 80-150 per transaction
- Service fee: R$ 50-250
- 1.1% IOF on the total amount
- Intermediary banks charge US$ 15-30 extra
Suffocating Bureaucracy
Time is money- Visit the branch in person during business hours
- Fill out extensive forms
- Submit duplicate documentation
- Justify the purpose of the transfer
Deliberate Slowness
Up to 5 business days- 3-5 business days for money to arrive
- No real-time tracking
- Money sitting in intermediary banks
- Exchange rate may change during the wait
Lack of Transparency
Hidden total cost- Total effective cost is never shown clearly
- Additional fees appear after confirmation
- Quoted exchange rate differs from applied rate
"Brazilians pay, on average, 7.4% of the transferred amount in banking fees for international remittances — double the global average of 3.5%."
— World Bank, Remittance Prices Worldwide 2024
How It Works: 3 Simple Steps
Sign Up and Send
- Create your account in 2 minutes
- Send reais via Pix (instant)
- Automatic conversion to USDC
Global Transfer
- USDC travels via blockchain instantly
- No intermediaries or correspondent banks
- Real-time tracking
Receipt
- Recipient receives in local currency
- Direct deposit to bank account
- Instant confirmation
Total time: up to 2 hours during business hours
Full Transparency — No Surprises
Why Is Pangeapay Different from Everything?
We are not a bank, nor a traditional fintech. We use blockchain technology and stablecoins to create a new way to transfer money internationally.
How the Technology Works (No Complications)
Traditional Banks
Use the SWIFT network, with multiple intermediaries, stacked fees, and 3-5 day delays. Each bank along the way charges its own fee, making the operation more expensive.
Pangeapay (Stablecoins)
Converts your reais to USDC (stablecoin pegged to the dollar 1:1), transfers via blockchain instantly, and converts to the destination's local currency. No intermediaries.
Stablecoins: Fair Exchange
USDC is a stablecoin pegged 1:1 to the US dollar, audited monthly. Unlike Bitcoin, it has no volatility.
- Pegged 1:1 to the US dollar
- Audited by Deloitte monthly
- Issued by Circle (US-regulated company)
- No volatility — 1 USDC = 1 USD always
Minimal and Transparent Fees
Our fee is fixed and visible: 3% on the amount sent. No surprises, no hidden costs.
- Fixed 3% fee (vs 7-12% from banks)
- No IOF (vs 1.1% from banks)
- Zero SWIFT fee
- Zero intermediary fee
Real Commercial Exchange Rate
While banks use tourist exchange rates (the worst for you), we use the commercial rate — the same that large companies get.
- Market commercial exchange rate
- Minimal spread of 0.5-1%
- Updated in real-time
- The same rate large corporations use
No Intermediaries
Traditional banks use 3-4 intermediaries in each transfer. Each one charges its fee. With Pangeapay, money goes directly from point A to point B.
- Blockchain eliminates intermediaries
- Peer-to-peer transfer
- No correspondent banks
- Each fewer intermediary means fewer fees
Bank Route (3-5 days):
Each step = fee + delay
Pangeapay Route (minutes):
Direct, fast, and cheap (minus 3%, no IOF)
Blockchain Speed
While banks take 3-5 business days, Pangeapay delivers in minutes. The blockchain doesn't close on holidays, has no business hours.
- Transfer in minutes (vs 3-5 days)
- Works 24/7, 365 days a year
- No business hours or holidays
- Instant confirmation on blockchain
100% Digital + Human Support
Do everything from your phone or computer, without visiting a branch. And when you need help, we have human support via WhatsApp.
- 100% online platform
- WhatsApp support in Portuguese
- No bureaucratic forms
- Sign up in 2 minutes
Bank-Level Security
Your funds are protected by the same technology that protects billions in digital assets around the world.
- End-to-end encryption
- USDC audited and regulated
- No custody — your money never sits idle
- Traceable on public blockchain
TRADITIONAL BANKING SYSTEM
PANGEAPAY (BLOCKCHAIN)
"But I don't understand crypto..."
You don't need to! You send reais, the recipient receives in local currency. Blockchain technology works behind the scenes — like the internet works without you needing to understand TCP/IP protocols. It's that simple.
Guaranteed Security
All transactions are encrypted and traceable on the public blockchain. Your data is protected with the same level of security used by major financial institutions.
Who Is Pangeapay For?
Students Abroad
- Receive allowance from parents with savings
- Pay tuition without abusive fees
- Fast transfers for emergencies
Families with Relatives Abroad
- Send financial support regularly
- Save hundreds per month on fees
- Money arrives in minutes, not days
Importing Companies
- Pay international suppliers
- Reduce operational costs by up to 80%
- Commercial exchange rate without abusive spread
Property Buyers
- Transfer large amounts securely
- Significant savings on large values
- International transfer receipt
Frequent Travelers
- Send money before traveling
- Much better exchange than credit card
- Receive back without hassle
International Freelancers
- Receive payments from abroad
- Convert to reais at fair rates
- No bank bureaucracy
Global Investors
- Send capital to invest abroad
- Repatriate profits with savings
- Transparent commercial exchange rate
Brazilian Expatriates
- Send money to Brazil
- Support family without abusive fees
- Facilitated bidirectional transfers
What Our Clients Say
R$ 170 million
Transferred
5,000+
Active Clients
"I saved over R$ 3,000 in the first semester sending allowance to my son in Boston. The bank charged R$ 500+ per transfer, Pangeapay charges a fraction."
Carlos M.
Father of student in the USA
"I used to pay fortunes to pay suppliers in China. With Pangeapay, I reduced my exchange costs by 75%. The money arrives the same day."
Marina S.
Entrepreneur — imports
"I receive payments from clients in the USA and Europe. I used to lose a lot in conversion. Now I receive at the real commercial rate. It makes a huge difference at the end of the month."
Roberto F.
Freelancer — design
"I send money to my mother in Brazil every week. It used to take 3-4 days and she received less. Now it arrives in minutes and she receives more. I recommend it to all Brazilians abroad."
Ana Paula L.
Brazilian in Portugal
Regulated — compliant operation
Best Fintech Latam 2024 Award
USA and Europe
Compare and Decide
TRADITIONAL BANKS
EXCHANGE HOUSES
TRADITIONAL FINTECHS
(Wise, Remessa Online)
PANGEAPAY
Pangeapay: the only one that combines blockchain + human support to deliver the best international transfer experience.
Frequently Asked Questions
Every Day You Wait, You Lose Money
Opportunity Cost — Waiting 1 Month
Every month you stay with the bank, R$ 400 is thrown away.
Special Offer — First Transfer
Our Guarantee
Pangeapay Commitment
We believe international transfers should be fair, fast, and transparent. That's why we guarantee:
- Fixed and transparent fee — no surprises
- Real commercial exchange rate — no abusive spread
- Delivery in up to 2 hours during business hours
- Human support — in Portuguese
- Blockchain security — traceable and auditable
If we don't deliver what we promise, we'll refund your money.
No fine print. No asterisks. No excuses.
Zero Risk for You
- First transfer with special rate
- Best exchange rate guarantee or difference refund
- Free cancellation before processing
- Dedicated support for your first transaction
Stop Losing Money with Banks
Make your international transfer with real savings
No red tape • Delivery in up to 2 hours during business hours • Support in Portuguese
Join over 5,000 Brazilians who have already discovered a better way to send money abroad. Your first transfer is just one click away.