Send Money Abroad with A Transparent Rate
Skip the hidden bank inflated rates. With Pangeapay, your international transfer moves faster, at a commercial exchange rate, with clear pricing and no surprises.
No red tape • No hidden taxes • No surprises
Traditional Banks Can Cost You Far More Than You Think
Brazilian banks are among the most expensive in the world for international transfers. Here is where the cost usually hides.
Wide Exchange inflated rate
Biggest hidden cost- Banks often apply margins of 4% to 8% on the exchange rate
- On R$ 10,000, that can mean hundreds of reais lost on inflated rate alone
- The rate you see is often not the rate you actually pay
Stacked Service Charges
Invisible costs- SWIFT charge: R$ 80-150 per transaction
- service charge: R$ 50-250
- 1.1% IOF on the total amount
- Intermediary banks may charge US$ 15-30 extra
Heavy Bureaucracy
Time is money- Visiting the branch in person during business hours
- Filling out extensive forms
- Submitting duplicate documentation
- Justifying the purpose of the transfer
Slow Delivery
Up to 5 business days- 3-5 business days for money to arrive
- No real-time tracking
- Money sitting in intermediary banks
- The exchange rate may change during the wait
Lack of Transparency
Hidden total cost- The total effective cost is rarely shown clearly
- Additional costs can appear after confirmation
- The quoted exchange rate may differ from the applied rate
"Brazilians pay, on average, 7.4% of the transferred amount in banking costs for international remittances — nearly 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 and complete verification
- Send reais via Pix (instant)
- Automatic conversion to USDC
Global Transfer
- USDC travels via blockchain quickly
- Fewer intermediaries and correspondent banks
- Real-time tracking
Receipt
- Recipient receives in local currency
- Direct deposit to bank account
- Confirmation on completion
Typical total time: up to 2 hours during business hours
Full Transparency — No Surprises
Why Is Pangeapay Different?
We are not a bank or a traditional fintech. We use blockchain technology and stablecoins to offer a new way to transfer money internationally.
How the Technology Works (No Complications)
Traditional Banks
Use the SWIFT network, with multiple intermediaries, stacked costs, and 3-5 day delays. Each bank along the way charges its own charge, making the operation more expensive.
Pangeapay (Stablecoins)
Converts your reais to USDC (a stablecoin pegged to the dollar 1:1), transfers via blockchain quickly, and converts to the destination's local currency, with fewer intermediaries.
Stablecoins: Fair Exchange
USDC is a stablecoin pegged 1:1 to the US dollar. Unlike Bitcoin, it is designed to avoid volatility.
- Pegged 1:1 to the US dollar
- Reserves attested regularly by an independent firm
- Issued by Circle (a US-regulated company)
- Designed for price stability — 1 USDC ≈ 1 USD
A Minimal, Transparent Rate
Why our rate is fair: you see the final rate and the arrival amount before you confirm. No IOF. What you see is what you pay.
- Final rate, all included (at banks, 7-12% disappears along the way)
- No IOF (vs 1.1% at banks)
- No SWIFT charge
- No intermediary charge
Real Commercial Exchange Rate
While banks often use tourist exchange rates, we use the commercial rate — the same reference large companies work with.
- Market commercial exchange rate
- A rate close to the market
- Updated in real time
- The same reference rate large corporations use
Fewer Intermediaries
Traditional bank transfers can pass through several intermediaries, each charging a charge. With Pangeapay, money moves more directly from point A to point B.
- Blockchain reduces intermediaries
- More direct transfer path
- Fewer correspondent banks
- Fewer intermediaries can mean lower costs
Bank Route (3-5 days):
Each step = charge + delay
Pangeapay Route (minutes):
Direct and fast (final rate, no IOF)
Blockchain Speed
While banks often take 3-5 business days, Pangeapay can deliver in minutes. The blockchain does not close on holidays and has no business hours.
- Transfer in minutes (vs 3-5 days)
- Works 24/7, 365 days a year
- No business hours or holidays
- Confirmation recorded on the blockchain
100% Digital + Human Support
Do everything from your phone or computer, without visiting a branch. And when you need help, we offer human support via WhatsApp.
- 100% online platform
- WhatsApp support
- No bureaucratic forms
- Quick sign-up with verification
Security and Compliance
Transfers are protected with encryption, and onboarding follows a KYC/AML compliance process.
- End-to-end encryption
- KYC/AML-compliant onboarding
- USDC issued by a US-regulated company
- Traceable on the public blockchain
TRADITIONAL BANKING SYSTEM
PANGEAPAY (BLOCKCHAIN)
"But I don't understand crypto..."
You don't need to! You send reais, and the recipient receives in local currency. Blockchain technology works behind the scenes — like the internet works without you needing to understand its protocols. It's that simple.
Security You Can Trust
Transactions are encrypted and traceable on the public blockchain, and your data is protected with strong security practices.
Who Is Pangeapay For?
Students Abroad
- Receive an allowance from family at a fair rate
- Pay tuition without excessive costs
- Fast transfers for time-sensitive needs
Families with Relatives Abroad
- Send financial support regularly
- Lower costs than a traditional bank
- Money arrives in minutes, not days
Importing Companies
- Pay international suppliers
- Reduce transfer costs with a transparent charge
- Commercial exchange rate without a wide inflated rate
Property Buyers
- Transfer larger amounts securely
- A transparent charge on large values
- International transfer receipt
Frequent Travelers
- Send money before traveling
- A commercial rate instead of card markups
- Receive funds back without hassle
International Freelancers
- Receive payments from abroad
- Convert to reais at a fair rate
- Less bank bureaucracy
Global Investors
- Send capital to invest abroad
- Repatriate profits with a transparent charge
- Transparent commercial exchange rate
Brazilian Expatriates
- Send money to Brazil
- Support family without excessive costs
- Bidirectional transfers made simpler
Built for Security and Compliance
Pangeapay is built around the rules that govern cross-border payments.
KYC/AML-compliant onboarding
Every customer completes identity verification (KYC) as part of our anti-money-laundering (AML) program before sending a transfer.
Encrypted transactions
Transfer data is encrypted end to end, and each transaction is traceable on the public blockchain.
Stablecoin settlement
Transfers settle in USDC, a US-dollar stablecoin issued by Circle, a US-regulated company, whose reserves are attested regularly.
Transparent settlement
You send reais and the recipient receives local currency at a commercial exchange rate, typically within a few hours during business hours.
Compare and Decide
TRADITIONAL BANKS
EXCHANGE HOUSES
TRADITIONAL FINTECHS
(Wise, Remessa Online)
PANGEAPAY
Pangeapay combines blockchain settlement with human support to make international transfers simpler and more transparent.
Frequently Asked Questions
A Clearer Way to Transfer
Cost Comparison — Sending R$ 10,000 (illustrative)
A transparent charge can mean more of your money reaches the recipient. Actual costs depend on your bank and transfer.
Special Offer — First Transfer
Our Commitment
The Pangeapay Commitment
We believe international transfers should be fair, fast, and transparent. That's why we commit to:
- A fixed and transparent charge — no surprises
- A real commercial exchange rate — no wide inflated rate
- Delivery within up to 2 hours during business hours
- Human support — via WhatsApp
- Blockchain security — traceable and auditable
If we don't deliver what we promise on your transfer charge, we'll refund the difference.
No fine print. No asterisks. No excuses.
Low Risk for You
- Special rate on your first transfer
- Clear pricing shown before you confirm
- Free cancellation before processing
- Dedicated support for your first transaction
A Better Way to Send Money Abroad
Make your international transfer with transparent pricing
No red tape • Delivery in up to 2 hours during business hours • Support via WhatsApp
Discover a more transparent way to send money abroad. Your first transfer is just one click away.