Crypto Business Account Without Bureaucracy

If you run a business in Brazil — whether it is a brick-and-mortar shop, an online store, or freelance work — you know how painful the financial side can be. Opening a business bank account means piles of paperwork, waiting weeks for approval, and handing over control of your money to an institution that can freeze it at any time. Card machines eat into your margins with fees that can reach nearly 10% on installment sales. There has to be a better way.

There is. The DePix App offers a merchant mode that lets you accept Pix payments from any customer and receive the funds as DePix — a BRL-pegged stablecoin — directly in your own Liquid wallet. No business registration, no KYC documents, no bank account required. Just an email address and one minute of your time.

How merchant mode works

The flow is straightforward. You open the DePix App, generate a Pix QR code for the amount you want to charge, and show it to your customer. They scan the code with their regular banking app and pay via Pix — exactly the way they already pay for everything else. No crypto knowledge is needed on their end. They are simply making a normal Pix transfer.

On your side, the payment is processed and you receive DePix (a BRL stablecoin on the Liquid Network) in your external Liquid wallet. Processing takes up to 24 hours (D+1), which is a deliberate security measure. If you want to understand why, read our post on how DePix protects against scams.

The minimum transaction is R$5 and the daily maximum is R$6,000. Each transaction costs 2% + R$0.99.

Cost comparison: DePix vs card machines

Let us put those fees in perspective. If you accept card payments today, here is what you are likely paying:

DePix is competitive with debit card rates and significantly cheaper than credit card fees — especially installment sales, where traditional processors can take nearly a tenth of your revenue. And unlike card machines, there is no hardware to buy or rent, no monthly subscription, and no contract to sign.

For small businesses and freelancers, those savings add up fast. A food truck doing R$3,000 per day in credit card sales at 4% is paying R$120 in fees. With DePix at 2% + R$0.99, that drops to roughly R$61 — cutting costs nearly in half.

Financial sovereignty for your business

Here is where things get really interesting. When you accept payments through a traditional bank or card processor, your money sits in their system. They can freeze your account, impose withdrawal limits, or comply with a court order that locks you out of your own revenue — sometimes without warning.

With DePix, your revenue goes directly to your Liquid wallet. You hold the keys. No bank, no intermediary, no one standing between you and the money you earned. This is what financial sovereignty looks like in practice.

Once the DePix arrives in your wallet, you have several options:

• Convert to USDt to hedge against BRL inflation and protect your purchasing power.
• Convert to Bitcoin (L-BTC) for long-term savings in the hardest money ever created.
• Spend with the Kast card for everyday purchases using your crypto balance.
• Withdraw to a bank via Pix whenever you need BRL in a traditional account.

This flexibility is what sets DePix apart from traditional Pix transfers. With regular Pix, your money is trapped in the banking system. With DePix, you choose where it goes and what it becomes.

Built-in sales reports

Running a business means keeping track of your numbers. The DePix App includes a sales dashboard with full transaction history and filters so you can review your activity by date, amount, or status.

When tax season arrives or your accountant needs documentation, you can export your reports as PDF or CSV files. No need for third-party tools or manual spreadsheets — it is all built in.

Getting started in four steps

Setting up your crypto business account takes about five minutes:

1. Create your account at depixapp.com. All you need is an email address. No ID upload, no business documents, no waiting period. You are ready in about one minute.

2. Download a Liquid wallet like SideSwap. This is where your DePix payments will arrive. Set it up and copy your Liquid receiving address.

3. Add your Liquid address to the DePix App. Go to settings and paste the address from your wallet. This tells the app where to send your funds.

4. Start selling. Switch to merchant mode, enter the amount, generate a Pix QR code, and show it to your customer. That is it.

Your customer sees a normal Pix payment. You receive a stablecoin in your own wallet. The entire experience is seamless on both sides.

Why payments take up to 24 hours

You might wonder why DePix does not settle instantly like a regular Pix transfer. The D+1 processing window is a deliberate design choice to protect merchants from fraud. Pix fraud — where someone initiates a payment and then reverses it through their bank — is a real problem in Brazil. The processing window gives the system time to verify that the payment is legitimate before releasing funds to your wallet.

This is not a limitation; it is a feature. Read the full explanation in our post on how DePix protects against scams.

The affiliate program

If you know other business owners who could benefit from DePix, the app includes an affiliate program. Refer merchants and earn from their transaction volume. It is another way the platform rewards its community rather than extracting from it.

Who is this for?

The DePix merchant mode is a good fit for:

• Street vendors and food trucks who want to accept Pix without a card machine.
• Freelancers and consultants who invoice clients and want to receive payment in crypto.
• Online sellers on marketplaces or social media who need a simple checkout flow.
• Small shop owners looking to cut payment processing costs.
• Anyone who values financial privacy and does not want every sale reported to a bank.

If your customers already pay with Pix — and in Brazil, most of them do — switching to DePix on your end is invisible to them and beneficial to you.

Your financial privacy starts here

Pix has convenience — DePix has privacy. Stop exposing every transaction to the banking system and start using digital money that only you control. Open your crypto business account in minutes and leave the banking bureaucracy behind. Visit depixapp.com.