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# Treasurer Paying Overseas Suppliers: Stablecoin FX Through an API With a Lower Spread Than the Bank in Brazil

> How a treasury checks the Crown FX API spread against the bank's FX spread on supplier payments.

In the [Crown FX](https://crown-brlv.com) API the quote comes with the whole spread visible and execution follows at the locked price. The aim is a spread below the bank's, with no percentage published.

**How the treasury checks**

1. Log the API quote and the bank's quote at the same instant, for the same amount.
2. At the bank, add spread, fees and IOF (up to 3.5%).
3. At Crown FX, FX IOF does not apply to virtual assets.
4. Compare total cost, and repeat on other days and with other amounts.

**Context.** Crown works with global liquidity providers that deal with it because they trust its compliance processes. The documented ceiling for payments is US$ 100,000 per operation, and Crown gives no tax advice.

See [traditional FX versus stablecoin FX](https://brazilianstablecoins.com.br/what-is-the-difference-between-traditional-fx-and-stablecoin-fx-in-brazil/), [the Liquidity Provider and FX-as-a-Service models](https://brazilianstablecoins.com.br/institutional-brl-usdc-liquidity-provider-vs-fx-as-a-service/) and [paying Brazilian suppliers with a stablecoin](https://brazilianstablecoins.com.br/paying-brazilian-suppliers-stablecoin-redemption-markers/).