{"id":92888,"title":"Cacao - Brazilians can now receive USD \u0026 crypto instantly","tagline":"Get paid in USD or stablecoins, spend with a Visa card, and withdraw to Pix","body":"## **Hey everyone**\n\nWe’re Carlos, Alec, and Mike - co-founders of **Cacao.**\n\n### **TL;DR**\n\n**Cacao helps Brazilians receive USD or crypto and instantly convert to Reais (BRL), straight to Pix - all in one mobile app.**\n\n![uploaded image](/media/?type=post\u0026id=92888\u0026key=user_uploads/1127436/c35585c5-8ede-4cce-8a44-2b0cf1574a51)\n\nPIX is Brazil’s instant, free, 24/7 payment system created by the Central Bank.\n\nWhether you're a remote worker, freelancer, software engineer, content creator, or receiving remittances, Cacao gets your money home faster, cheaper, and with zero bureaucracy.\n\n**Try the app:**[ ](https://www.cacaofi.com/en)[https://www.cacaofi.com/](https://www.cacaofi.com/%5C)\\\n**Contact us**: [founders@cacaofi.com](mailto:founders@cacaofi.com)\\\n\\\nhttps://www.youtube.com/watch?v=gEbsfiKngvU\n\n\\\n**The Problem**\n\nMillions of Brazilians earn money from abroad - whether working for global tech companies, freelancing, creating content, teaching online, or receiving remittances from family. But moving money back to Brazil is still:\n\n* **Slow** - transfers take 1–3 business days\n* **Expensive** - with hidden FX fees and SWIFT charges\n* **Frustrating** - requiring multiple accounts, platforms, and workarounds\n\nCarlos tried to pay Brazilian engineers from the US and saw firsthand how broken it is. Fintechs keep building on top of SWIFT. But **SWIFT is the problem**. Cacao replaces it with faster, cheaper rails: stablecoins + Pix.\\\n\\\n**Our Solution**\n\n---\n\nCacao is the best app for Brazilians who are receiving income from abroad.\n\nBuilt with speed, transparency, and flexibility in mind:\n\n* **Receive USD or USDT** via ACH, Wire, RTP, or crypto\n* **Store securely** in a stablecoin (USDT) wallet\n* **Withdraw instantly** to Reais (BRL) via Pix - 24/7, 365 days\n* **Spend in USD** globally with a Visa Platinum card (Apple \u0026 Google Pay)\n* **Send and receive crypto** wallet-to-wallet (crypto ↔ crypto is free)\n* **Load your wallet with Pix** - BRL → USDT directly\n* **Track everything** in one intuitive mobile app, with local support in Portuguese\n\n**Pricing:**\n\n* 0.9% on USD deposits\n* 0.9% on Pix withdrawals\n* 1% on card usage\n* **Free crypto ↔ crypto transfers**\n* **Live FX rates** that beat the mid-market rate by 1-2%\n\n**Who It’s For**\n\nCacao is built for Brazilians who get paid from abroad:\n\n* **Freelancers** - devs, designers, PMs, translators, consultants.\n* **Creators** - YouTubers, Kick \u0026 Twitch streamers, influencers.\n* **Remote workers** - employed by global companies\n* **Remittance recipients** - family sending money home\n* **Educators** - Udemy, Coursera instructors\n* **Platform earners** - Upwork, Deel, Fiverr, Remote, Ontop, Workana\n* **Foreigners in Brazil** - US tourists and expats using Pix to pay and get paid\n\nGet paid from anywhere. Avoid high fees. Access your money on your terms.\\\n\\\n**Our Ask**\n\nIf you answer “yes” to any of these, we’d love your help:\n\n1. **Do you pay Brazilian freelancers or employees?** \\\n   We make receiving income abroad instant and affordable.\n2. **Run a global platform (payroll, freelance, creator)?**\\\n   Let’s partner.\n3. **Know Brazilians who earn from abroad or use crypto?**\\\n   Share Cacao with them.\n4. **Want to try it yourself or give feedback?**\\\n   Download:[ https://www.cacaofi.com/en](https://www.cacaofi.com/en)\n\n📩 [founders@cacaofi.com](mailto:founders@cacaofi.com)\n\nObrigado - let’s make Pix global 🇧🇷💸\n\n![uploaded image](/media/?type=post\u0026id=92888\u0026key=user_uploads/1127436/fb386a2c-9bf5-46ba-9ca5-39d1ed47cd7c)\n\n","slug":"OAC-cacao-brazilians-can-now-receive-usd-crypto-instantly","created_at":"2025-08-15T22:24:23.856Z","updated_at":"2026-05-25T04:17:24.816Z","total_vote_count":60,"url":"https://www.ycombinator.com/launches/OAC-cacao-brazilians-can-now-receive-usd-crypto-instantly","share_image_url":"https://www.ycombinator.com/media/?type=post\u0026id=92888\u0026key=user_uploads/1127436/fb386a2c-9bf5-46ba-9ca5-39d1ed47cd7c","company":{"id":30798,"name":"Ruvo","slug":"ruvo","url":"https://ruvo.com/","logo":"https://bookface-images.s3.amazonaws.com/small_logos/1bf922f186766cb3591cc2c3c89facdcee263517.png","batch":"Summer 2025","industry":"Fintech","tags":["Fintech","Crypto / Web3","Payments"],"search_path":"https://bookface.ycombinator.com/company/30798"}}