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Your dollar and euro account, in Brazil.
US and EU account details in your name. Receive dollars from abroad, hold them under your control, and pay or withdraw in reais via Pix — in Brazil.
Pollar
DeFindex
Pollar
DeFindex
Pollar
DeFindex
Your own ACH details.
Getting paid from the US shouldn’t mean bank spreads and days of waiting.
A US account and routing number, assigned exclusively to you. US clients and platforms pay you like a local — and what they send arrives in your app as digital dollars.
Share these details — they pay you like any US vendor
Nothing changes on the client’s side
Arrives in the app — under her control
Your own European IBAN.
Getting paid from Europe shouldn’t be slow, expensive and complicated.
A European IBAN, assigned exclusively to you. European clients and platforms pay you like a local — and what they send arrives in your app as digital euros.
Share these details — they pay you like any EU vendor
Nothing changes on the client’s side
Arrives in the app — under her control
Your money, under your control.
Holding dollars in Brazil shouldn’t require an account abroad.
Funds live in your wallet, outside our systems. Only you can move them — set up recovery when you create your account.
HedgePay is the window, not the vault — your balance is with you, not with us. Only you grant access.
Continue with Google
Continue with AppleThe wallet is self-custodial — only you control the keys. No seed phrases, nothing to write down.
Yield, when you decide.
Saving in dollars shouldn’t mean choosing between near-zero rates and locked-up funds.
Allocate digital dollars to open DeFi markets, on-chain and under your custody. The rate is variable and shown live. No lock-ups — redeem to your balance whenever you want. Nothing moves unless you move it.
Variable rate. Yield depends on market conditions and is not guaranteed.
Allocations abroad may require declaration to the Central Bank above legal thresholds.
Spend, anywhere.
Spending shouldn’t depend on where your money lives.
Pay and withdraw via Pix, in reais.
PIX · BRAZILConverting to reais shouldn’t be a negotiation.
Convert digital dollars to reais at the exchange rate you see before you confirm — no hidden margins. Pay any Pix QR code or Pix Copia e Cola, or withdraw to your account at any bank in Brazil. Convert only what you need; the rest stays in dollars.
Scan any Pix QR code and pay with your digital dollars.
Virtual debit card
SOONPaying online shouldn’t depend on where your card was issued.
Spend digital dollars directly, wherever cards are accepted.*
*Wherever Visa or Mastercard are accepted.
Pay like a local, across Latin America.
The payment systems people actually use — connected to your digital dollars.
Pay in local currency at the exchange rate you see before you confirm — no hidden margins. In Brazil, via Pix; across the rest of Latin America, through each country’s local systems.
Mexico 
El Salvador 
Colombia 
Brazil Pix 
Bolivia 
Argentina Transferencias 3.0 Mexico SOON El Salvador PLANNED Colombia PLANNED Brazil LIVE Bolivia SOON Argentina SOON Run a business in Brazil? See HedgePay for businesses in Brazil.
How it works
- 01Create your accountSign up with your email. The wallet is self-custodial — only you control the keys.
- 02Receive dollars or eurosShare your US or EU details — payments arrive as digital dollars or euros.
- 03Hold, convert or earnLeave it in your wallet, convert it, or allocate it for yield — you decide.
- 04Send or spendSend to other users in seconds. Spend with the card — coming soon.
Frequently asked questions
What is HedgePay?
An app to receive, hold and move digital dollars and euros, with US and EU account details in your name. Under the hood, digital dollars are stablecoins — tokens that hold one-to-one value with the dollar. They live in a self-custodial wallet on the Stellar network — only you control the keys.
Who is it for?
- Freelancers with clients in the US or Europe who want to get paid like locals.
- Traders who withdraw from US and other international platforms.
- Families receiving support from abroad.
- People who keep their money in dollars or euros and pay for local life in their own currency.
- People seeking variable yield on idle dollars in open DeFi markets, under their own custody.
What does self-custody mean here?
Your funds live in a self-custodial wallet — only you control the keys. Your money lives in your wallet, not on our systems — only you can move it.
What happens if I lose access?
Only you can access your account. Recovery is set up at signup; it’s the way back if you lose your device.
How do I send money to another user?
Straight from the app, to any HedgePay user. It arrives in seconds.
How do I fund my account?
- From abroad: share your US or EU details. Clients, platforms or family transfer like locals — it arrives in your wallet as digital dollars or euros, in seconds.
- In reais: add money via Pix from your account at any bank in Brazil and convert to digital dollars at the exchange rate you see before you confirm.
- From stablecoins: send digital dollars from any wallet or exchange straight to your address — they arrive in seconds.
Can I open a dollar account in Brazil?
Yes, from São Paulo, Rio, Belo Horizonte or anywhere in Brazil. You sign up with your email and get a self-custodial wallet — only you control the keys. Your US and EU account details are enabled once you complete verification.
How do I receive dollars from abroad in Brazil?
You share your US or EU account details. Payments arrive in your app as digital dollars, in seconds, and stay in your wallet until you decide to convert to reais.
How do I get paid from Upwork, Deel, Payoneer or a client abroad in Brazil?
You share your US or EU account details like any local vendor. The payment arrives in your app as digital dollars, in seconds.
How do I withdraw in reais via Pix?
From the app: you convert to reais at the exchange rate you see before you confirm, and pay any Pix QR code or withdraw to your account at any bank in Brazil.
How do I move money out?
- To a bank account: convert to reais and withdraw via Pix to any bank in Brazil — or send to a US or EU account. Always at the exchange rate you see before you confirm.
- To another HedgePay user: instant, in seconds.
- To another wallet: send stablecoins to any external wallet or exchange.
- To spend: directly with the card, when it arrives.
No lock-ups, no waiting periods — your money moves when you decide.
What does HedgePay cost?
Opening and keeping the account: free. No monthly fees, no minimums. Where there is a fee — converting to reais, withdrawing via Pix — it’s shown in the app before you confirm, and kept low. Converting between reais and digital dollars is a foreign-exchange operation; applicable taxes, such as IOF, are shown in the app before you confirm. What you see is what you pay.
How long do transfers take?
Between HedgePay users: seconds. Incoming ACH: depends on the sender’s bank, usually 1–3 business days; SEPA usually same day. Withdrawals to local systems: shown in the app before you confirm.
Where is HedgePay available?
In Brazil, and across Latin America. Your US and EU account details work wherever you are.
What do I need to open an account?
An email. Signing up creates your self-custodial wallet — only you control the keys — in under a minute. Verification comes after: the app shows what’s missing, and receiving through your US or EU details is enabled once it’s complete.
Global access. Local control.
Dollars and euros that arrive as local payments, stay in your wallet, and leave via Pix when you decide — in Brazil.