Four steps, a single operation for you.
They transfer to an account in your company's name, through their country's rail: 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.
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.
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.
On the other side, the stablecoin is converted into the destination currency and lands through a local banking rail. 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.
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 rail 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.
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.
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.
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.
Talk to a specialist