Solution · EuroReceive and pay in euros, without the FX queue.
Your company gets a EUR account in its own name in the SEPA zone. Your European customer pays by ordinary transfer, the funds become reais on PIX in minutes, and the reverse path pays suppliers in Europe straight from Brazil.
EuropeSEPA · EUR
BrazilPIX · BRL BrazilPIX · BRL EuropeSEPA · EURSee the real exchange rate before you open an account.
The rate below is the commercial one — the same you can check on any market screen. A 1.5% processing fee applies to the amount that goes in — negotiable by volume — and that is all. There is no hidden spread baked into the rate, which is exactly where banks charge what never shows up on the invoice.
- Commercial rate
- —
- Lexxen processing fee (1,5%, negotiable by volume)
- − 150.00 BRL
- Final amount
- —
Market rate, refreshed every 30 seconds. In a real operation the rate is locked on screen and only then you confirm — what you see is what gets executed. The 1.5% is the list fee: high volume has its own terms, agreed in contract.
Receiving from Europe should not turn into a slow banking operation.
Brazilian companies selling to Europe lose time on international bank details, manual reconciliation, unclear spreads and settlement times that vary from bank to bank.
Local rail for the payer. Local settlement for your operation.
The customer pays in EUR via SEPA. Lexxen coordinates conversion, operational compliance and settlement to your company in Brazil, using stablecoin as the infrastructure rail.
The operation, step by step.
Customer pays via SEPA
Your company shares EUR billing details and reduces friction for the European payer.
Lexxen converts over stablecoin infrastructure
Stablecoin works as the operational settlement rail, with no speculative exposure as part of the value proposition.
Your company receives via PIX
Settlement in BRL arrives in Brazil according to validations, limits and available rails.
It all runs on its own.
No ticket to open, no email to the desk, nobody processing anything on the other side. The money arrives through the local rail, conversion runs automatically at the rate you locked on screen, and it leaves through the local rail at the destination. The desk is there for high volume and for exceptions — not for the everyday.
Eight minutes, end to end.
Eight minutes is the average measured on this corridor: from the payment leaving the account to the money landing in the supplier’s SEPA account in Europe. The reverse path takes the same. No business-day promise, no banking window — local rails on both ends, 24 hours a day.
An account abroad in your company’s name — without opening a company there.
The account is named: it carries your company’s name, or yours, and that is what money moves through. Whoever receives it sees your name on the statement, like any local transfer.
With your home-country document
Your company registration or your personal ID. No need to incorporate abroad, no local partner, no address in the country.
Named in both directions
The virtual account receives and sends in the holder’s name. Your supplier abroad is paid by you, not by an intermediary with a different name on the receipt.
Only if you need to be paid locally
A named account exists for those who need to receive as a local — a client who only pays by domestic transfer, for instance. To send only, you do not need one.
Individuals too
Someone living abroad without local documents yet can open a named account with their home document and get paid in their own name, skipping the paperwork of a foreign bank account.
Accounts are opened and held by partner institutions licensed by the regulators of each country. Lexxen is the technology layer that connects your operation to them.
What changes in your operation.
The difference on every remittance.
| Traditional FX | With Lexxen | |
|---|---|---|
| Payer | wire/SWIFT or complex instructions | local payment via SEPA |
| Receipt | variable bank timing | settlement in BRL via PIX according to the rail |
| Visibility | unclear spread and fees | quote and spread before confirming |
| Scale | manual process per remittance | standardized, integration-ready operation |
What that is worth by the end of the year.
Compare total cost, not the quoted rate alone. The difference shows up in the sum of spread, tax and fees.
| Traditional bank | With Lexxen | |
|---|---|---|
| Spread on the rate | 3% to 4%, baked into the quote | 0% — the rate is the commercial one |
| FX tax (IOF, Brazil) | 0.38% per transfer | Does not apply |
| Transfer and intermediary bank fees | R$100 to R$250 per operation, plus USD 15 to 40 along the way | None |
| Processing fee | — | 1.5%, negotiable by volume |
| Timing | 1 to 3 business days | Minutes, 24/7 |
With a 3.5% spread and 0.38% tax, the traditional path costs around R$38,800 a year before fixed fees. On the same volume, Lexxen’s 1.5% comes to R$15,000. That is roughly R$23,800 left in the company — and above R$30,000 once per-transfer and intermediary bank fees are counted.
Calculated on the assumptions above, for comparison. Your own number depends on the spread your bank charges today, your average ticket and how many transfers you make.
Built for those who move money across borders.
Service exporters
Service providers that need to receive in EUR without turning the customer's payment into an international banking operation.
SaaS and digital companies
Finance teams that reconcile recurring European revenue and need predictability per invoice or contract.
Brazilian companies with European customers
Companies with payers in Europe looking for settlement in BRL with clear documentation and tracking.
Want to receive from Europe without pushing complexity onto your customer?
Send us your details and Lexxen will assess volume, frequency and the best operational setup for the Europe → Brazil corridor.
Either way you fill in the same form: it is how the desk arrives already knowing your corridor, volume and timing.