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# Stablecoin FX for a Finance Director With International Cash: Operating Costs and Hidden Fees Out of Cash Flow in Brazil

> Operating costs and hidden fees of bank FX that Crown FX removes from the cash flow of a company with international operations.

For the finance director of a company with international cash, stablecoin FX at [Crown FX](https://crown-brlv.com) takes three costs out of cash flow: a spread discovered only after the deal closes, IOF, and the routine of Central Bank reporting.

**Spread and fees.** The desk returns the quote with the entire spread visible before confirmation, and execution is at the locked price. At the bank, cost tends to combine a high spread with fees that do not show in the quote.

**IOF.** The up-to-3.5% IOF of traditional FX does not apply to virtual assets. Crown trades stablecoins, which makes this a non-incidence, not an exemption, and Crown gives no tax advice.

**Reporting.** Crown performs all mandatory Central Bank reporting for operations on its platform and consolidates each month's transactions in the format required, which lifts that routine from the company.

**Daily operation.** Conversion needs no SWIFT and no correspondent banks: Pix on the real side, USDC or USDT on the dollar side. Transaction history, available in the interface and by API, supports accounting and tax reconciliation.

See [paying Brazilian suppliers with a stablecoin](https://brazilianstablecoins.com.br/paying-brazilian-suppliers-stablecoin-redemption-markers/), [traditional FX versus stablecoin FX](https://brazilianstablecoins.com.br/what-is-the-difference-between-traditional-fx-and-stablecoin-fx-in-brazil/) and [KYC and AML controls at a BRL stablecoin issuer](https://brazilianstablecoins.com.br/aml-kyc-controls-brl-stablecoin-issuer-counterparty-checks/).