PIX · BRL
USDC to Caixa: cash out to Brazilian reais
How to send USDC from your wallet to your Caixa account in Brazilian reais via PIX: where to find your PIX key, steps, limits and FAQs.
PIX, run by Brazil's Central Bank, is the default way money moves in Brazil: instant, 24/7 and addressed with a simple key instead of branch and account numbers. To turn USDC into reais you only need a PIX key registered to an account in your name. The payout partner converts USDC to BRL and sends a PIX that typically lands within seconds.
Quick facts
- You receive
- Brazilian reais (BRL)
- Payment rail
- PIX
- What you need
- PIX key (CPF/CNPJ, email, phone or random key)
- Typical speed
- Seconds once the payout is sent
- Availability
- 24/7, including weekends and holidays
- USDC networks
- Solana and Base
Where to find your PIX key — Caixa
Pix keys for a regular Caixa account are usually managed in the main CAIXA app's Pix area. If you only use Caixa Tem, keys for that account are managed inside the Caixa Tem app instead.
What to know about Caixa
- Caixa is a federal public bank, known for handling FGTS, social benefits and housing finance.
- Caixa Tem is a separate digital social savings account (poupança social digital), mainly used for benefits; it has its own movement limits and may not suit larger cash-outs.
- Check which account your Pix key is linked to: a key registered on Caixa Tem will send money there, not to your regular Caixa account.
Step by step
- 1
Get a quote
Open Sacamos, choose your country and enter the amount of USDC. The quote shows the exchange rate, fees and the exact Brazilian reais you will receive.
- 2
Verify your identity (first time only)
Our licensed partner verifies your identity once. Payouts go only to accounts in your own name.
- 3
Add your PIX key
Pix keys for a regular Caixa account are usually managed in the main CAIXA app's Pix area. If you only use Caixa Tem, keys for that account are managed inside the Caixa Tem app instead.
- 4
Send USDC from your wallet
Send the exact USDC amount to the one-time deposit address shown, on the network shown (Solana or Base). Your funds stay in your wallet until you sign this transfer.
- 5
Receive via PIX
After the deposit confirms on-chain, the partner converts and pays out. Seconds once the payout is sent.
Limits and things to know
- Central Bank security rules give individuals lower default PIX limits at night (20:00–06:00). Banks let you adjust them in the app, but increases only take effect after a waiting period (at least 24 hours).
- Some banks also have their own limits for incoming transfers on new accounts.
- New Sacamos users start with a lower limit while verification is new.
How it compares
Every option below works. They differ in who holds your funds, how many steps it takes and how pricing is shown. This is a qualitative comparison — fees and speeds change, so check each provider's current terms.
| Option | Custody | Steps | Speed | Pricing | Good for | Watch out for |
|---|---|---|---|---|---|---|
| Sacamos (non-custodial off-ramp) | You keep USDC in your wallet until you send it to a one-time partner deposit address | Verify once, add bank, get quote, send from wallet | Depends on the local rail; instant rails usually minutes | Rate and fees shown upfront in the quote | Getting paid in USDC and cashing out straight from your own wallet | Supports USDC on Solana and Base only; identity verification required |
| Centralized exchange (deposit, sell, withdraw) | The exchange holds your funds while you trade and withdraw | Deposit, place a sell order, then request a fiat withdrawal | Varies by exchange and withdrawal method | Trading spread/fees plus withdrawal fees; can be cost-effective for large amounts | Active traders who already keep a balance on an exchange | Extra steps, custody risk, and sending to the exchange on a network it supports |
| P2P marketplace (e.g. Binance P2P) | Platform escrow holds the crypto during the trade | Deposit to the platform, pick a buyer, wait for their bank transfer, release | Depends on the counterparty | Set by each buyer; can be competitive | Flexible payment methods and markets with few other options | Counterparty and scam risk (fake receipts, reversed or third-party payments) |
| Sell widgets (MoonPay, Transak) | You send crypto to the provider when you sell | Often built into wallets; verify, sell, receive to bank or card | Varies by country and payout method | Provider fees and spread, shown before confirming | Convenience inside a wallet you already use | Supported countries, tokens and payout rails vary |
Taxes (general information)
General information, not tax advice: Brazil's Receita Federal treats crypto assets as reportable assets, and gains on disposals can be taxable. Reporting and taxation rules for crypto have changed several times recently, so check current Receita Federal guidance or ask a contador.
This is general information, not tax, legal or financial advice.
Frequently asked questions
Can I receive a USDC cash-out in Caixa Tem?
Caixa Tem accounts can receive Pix, but they are designed for social benefits and carry their own movement limits. For regular cash-outs, a standard Caixa account or another bank account in your name is usually the better choice.
How long does a PIX payout take?
Seconds once the payout is sent. 24/7, including weekends and holidays.
Can I send to someone else's bank account?
No. Payouts go to an account in the name of the verified customer.
How much does it cost?
It depends on the amount and corridor. The quote shows the exchange rate and all fees before you send, plus a small network fee paid in your wallet.
Which PIX key should I use?
Any key registered to an account in your name works. CPF is the simplest; a random key is the most private.
Other banks
Related guides
- How to withdraw USDC from Phantom to a bank account in Brazil
- How to withdraw USDC from MetaMask to a bank account in Brazil
- How to withdraw USDC from Coinbase Wallet (Base app) to a bank account in Brazil
- How to withdraw USDC from Trust Wallet to a bank account in Brazil
- How to withdraw USDC from Solflare to a bank account in Brazil
- How to withdraw USDC from Rabby to a bank account in Brazil
Read next
- How to Transfer USDC from Phantom to Your Bank Account (2026 Guide)Step-by-step: move USDC from Phantom to your bank on Solana or Base. Network fees, deposit addresses, local rails by country, and safety tips before you send.
- Como receber em USDC como freelancer no Brasil (e sacar para PIX)Guia para freelancers no Brasil: como cobrar clientes do exterior em USDC, qual rede pedir, como organizar faturas e como converter para reais via PIX.
- Como sacar USDC para PIX: guia completo para receber em reaisSaiba como sacar USDC para PIX: tipos de chave, CPF igual ao cadastro, limites noturnos, bancos como Nubank e Inter, e como comparar com corretora e P2P.
Sacamos is not a bank. Conversions and payouts are performed by licensed partners. Availability depends on your country and verification status. Nothing here is financial advice.