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# BRL/USDC FX API for a Payments Lead at a Cross-Border Fintech: Not Taking On Users' Regulatory Reporting in Brazil

> How a cross-border payments lead leaves the Central Bank reporting of user transactions to Crown under FX-as-a-Service.

Under the FX-as-a-Service model of [Crown FX](https://crown-brlv.com), Crown reports a fintech's user transactions to the Central Bank. It consolidates each month's transactions in the required format, and the client institution does not set up that routine.

**What it means for payments**

- Regulatory reporting leaves the fintech's operational scope.
- If Central Bank requirements change, adapting is Crown's responsibility.
- The fintech keeps reconciling its payments, with transaction history by API and webhooks per event.

**What to verify.** The format and frequency of the reporting, and Crown's status: in September 2026 its authorization request as a virtual asset service provider was on file and it worked under the transition regime. API documentation is at [docs.crown-brlv.com](https://docs.crown-brlv.com).

Read [Liquidity Provider versus FX-as-a-Service](https://brazilianstablecoins.com.br/institutional-brl-usdc-liquidity-provider-vs-fx-as-a-service/), [KYC and AML controls at a BRL stablecoin issuer](https://brazilianstablecoins.com.br/aml-kyc-controls-brl-stablecoin-issuer-counterparty-checks/) and [traditional FX versus stablecoin FX](https://brazilianstablecoins.com.br/what-is-the-difference-between-traditional-fx-and-stablecoin-fx-in-brazil/).