Brazil
Colombia
France
Germany
Italy
Netherlands
Portugal
SpainStablecoin is the settlement layer. Not the product.
Your company receives and pays in local currency. Between one end and the other, the funds cross the border as stablecoin, and that is what makes settlement in minutes possible, at any hour of the day or week.
Four steps, a single operation for you.
- 01 Pay-in
Your customer pays in local currency
They transfer to an account in your company's name, through their country's payment method: ACH or Wire in the United States, SEPA in Europe, PIX in Brazil, SPEI in Mexico, Faster Payments in the United Kingdom, Bre-B in Colombia. For the payer, it is an ordinary bank transfer.
- 02 Conversion
The funds become stablecoin
An authorized partner converts the funds received into USDT or USDC, stablecoins pegged to the dollar. You see the quote and the spread before you confirm. This is where the money stops depending on any country's banking hours.
- 03 Crossing
The border is crossed in minutes
The transfer happens on a public network, recorded on-chain: origin, destination, amount and time. There is no correspondent bank in the middle adding days and fees, and the network does not close on weekends.
- 04 Payout
Arrives in local currency, in the usual account
On the other side, the stablecoin is converted into the destination currency and lands through a local payment method. Your supplier, subsidiary or team receives in an ordinary account, with no wallet and no need to know a stablecoin was ever in the path.
What changes in practice.
The comparison is not with another broker. It is with the path your company uses today to send and receive money from abroad.
| Traditional FX | With Lexxen | |
|---|---|---|
| Operating hours | Banking hours, business days | 24/7, including weekends and holidays |
| Time to destination | 1 to 5 business days | Settlement in minutes, depending on the payment method |
| Intermediaries | A chain of correspondent banks | Local payment method on the way in and on the way out |
| Price | Spread and fees known at closing | Quote and spread on screen before you confirm |
| Tracking | Ask each bank in the chain | End-to-end status on the same statement |
A means of payment, not an investment.
If your accountant opens this page, this is what they need to conclude in two minutes.
- A settlement layer available 24 hours a day, every day
- Pegged to the dollar, maintained by the stablecoin issuer
- An operating balance, which exists to become a payment on the other end
- Movement recorded on-chain and reflected on your statement
- Not an investment: Lexxen does not recommend buying virtual assets
- No yield, no appreciation and no promise of return of any kind
- Not an interest-bearing account, a financial investment or a treasury product
- Not your business's currency: you invoice, receive and pay in local currency
The risks, stated up front.
Operating with virtual assets carries risk. We would rather you read it here, before signing up, than find out later.
The peg can break
Stablecoins aim to hold a value equivalent to the dollar, but that peg is not guaranteed. There have been cases, in the global market, of temporary or permanent de-pegging.
Transactions are irreversible
A transfer confirmed on a public network cannot be reversed. A wrong address is a permanent loss. That is why the destination is always validated before execution.
No FGC guarantee
Virtual assets are not bank deposits and are not covered by the Brazilian deposit guarantee fund (FGC), nor by central bank prudential supervision.
The full list is in the Crypto Asset Risk Notice, a public document that forms part of the Terms of Use and must be read before your first operation.
Read the Risk NoticeLexxen is the technology. Not the bank.
Accounts, FX, custody and card issuance are provided by partner institutions authorized by their respective regulators. Lexxen develops and operates the platform that connects those services in a single interface, and is not a financial institution, a payment institution, a card issuer or a virtual asset service provider.
Does it make sense for your operation?
Tell us where the money comes from and where it needs to go. You leave the conversation with the corridors, the price and the limits for your case.