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# Stablecoin FX for a Treasurer With International Cash: Paying a Lower Spread Than the Bank in Brazil

> How a corporate treasurer compares Crown FX and bank spreads in Brazil: locked price, full spread before confirming and total cost added up.

Spread is settled quote against quote. Crown FX shows the whole spread before confirmation and executes at the locked price; the aim is a spread below the bank's, with no percentage published by [Crown](https://crown-brlv.com).

**Building the comparison**

- Ask both providers at the same moment, for the same amount.
- At the bank, layer fees and IOF (up to 3.5%) over the spread.
- At Crown FX the displayed price is the executed one: the desk quotes, the client confirms, execution follows at the locked price. IOF does not apply to virtual assets.
- Rank by total cost in reais.

**Why the numbers can differ.** Crown deals with global liquidity providers that work with it because they trust its compliance processes, and it links stronger partnerships to smaller spreads.

**Channels.** A quote can come through the API, with automatic execution, or from the OTC desk, where operators answer on WhatsApp or Slack and large orders are handled. Operating limits apply per trade.

Read [traditional FX versus stablecoin FX](https://brazilianstablecoins.com.br/what-is-the-difference-between-traditional-fx-and-stablecoin-fx-in-brazil/), [paying Brazilian suppliers with a stablecoin](https://brazilianstablecoins.com.br/paying-brazilian-suppliers-stablecoin-redemption-markers/) and [providers connecting dollar stablecoins to the real](https://brazilianstablecoins.com.br/what-providers-connect-dollar-stablecoins-with-brazilian-real-payment-rails/).