If you hold cryptocurrency — whether it is Bitcoin, L-BTC, stablecoins, or other Liquid Network assets — and need to convert it to Brazilian reais, you know the process can be frustrating. Traditional exchanges involve account verification, trading fees, withdrawal delays, and a lot of waiting. The DePix App offers a faster, simpler path from crypto to reais in your bank account via Pix.

The problem with traditional crypto-to-fiat conversion

Converting cryptocurrency to local currency through a conventional exchange typically involves several steps. You create and verify an account (which can take days), deposit your crypto and wait for confirmations, place a sell order on the exchange, wait for the trade to execute, request a withdrawal to your bank account, and then wait one to three business days for settlement.

Each step introduces friction, fees, and delay. Trading fees typically range from 0.5% to 1% per transaction. Withdrawal fees add up. And the entire process can take anywhere from hours to days depending on the exchange and your verification status.

For someone who just wants to pay rent or buy groceries with their crypto earnings, this is overkill.

How DePix simplifies the conversion

With the DePix App, the path from cryptocurrency to reais in your bank account is dramatically shorter. The process has two steps: first you convert your crypto to DePix (a BRL-pegged stablecoin on the Liquid Network), then you withdraw DePix to your bank account via Pix.

It is important to understand that the DePix App only processes withdrawals of DePix tokens. It does not accept Bitcoin, USDt, or other assets directly for withdrawal. But converting to DePix first is simple and fast, as we will explain below.

The whole process takes minutes, not days. And because Pix is Brazil’s instant payment system, the reais appear in your bank account almost immediately.

Understanding the Liquid Network

The Liquid Network is a Bitcoin sidechain built by Blockstream that supports multiple asset types. If you are not familiar with sidechains, think of it this way: Bitcoin’s main network is like a highway that is extremely secure but sometimes congested. Liquid is an express lane that runs alongside it — same infrastructure, but optimized for speed and privacy.

On Liquid, transactions confirm in about two minutes with minimal fees. Beyond L-BTC (Bitcoin on Liquid), the network also hosts stablecoins, security tokens, and other digital assets — all of which benefit from the same fast confirmations and low costs. Liquid also features Confidential Transactions by default, meaning transaction amounts are hidden from outside observers. You can read more about how this benefits you in our article on financial privacy with DePix.

If your Bitcoin is on the main Bitcoin network rather than Liquid, you will need to perform a peg-in (moving BTC from mainchain to Liquid) or use an exchange that supports direct Liquid withdrawals. Several major exchanges now offer this option. If you hold other Liquid Network assets, you can send them directly without any extra steps.

What it costs

Transparency in fees is a core principle of the DePix App. The app shows you the exact fees before you confirm any operation, so there are no hidden charges or surprises.

Compared to the traditional exchange route — where you pay trading fees, withdrawal fees, and sometimes deposit fees — the DePix App offers a more direct and cost-effective path. You are essentially swapping value on the Liquid Network and withdrawing via Pix, cutting out unnecessary intermediaries.

Keep in mind that the amount you receive in reais depends on the exchange rate of your particular asset at the moment of conversion. For Bitcoin and L-BTC, price volatility affects the conversion step. For stablecoins already pegged to a fiat value, the conversion is more predictable. Once you hold DePix, one token always equals one real, so the final Pix transfer is straightforward regardless of which crypto you started with.

Who benefits from this approach

Remote workers and freelancers are among the most obvious beneficiaries. If you work for international clients who pay in cryptocurrency — whether Bitcoin, stablecoins, or other digital assets — the DePix App gives you a fast off-ramp to the local currency you need for daily expenses. No more juggling multiple exchange accounts or waiting days for settlements.

Crypto investors who want to realize partial profits also benefit significantly. Instead of going through the full exchange process every time you want to take some gains off the table, you can convert through the DePix App in minutes and have reais in your bank account almost instantly. This applies whether you are holding Bitcoin, L-BTC, or a diversified portfolio of Liquid Network assets.

Small business owners who accept cryptocurrency payments can use the DePix App to convert incoming crypto to reais quickly, limiting their exposure to price volatility. Accept the payment, convert to DePix, withdraw via Pix — all within minutes of receiving the funds.

Anyone receiving crypto gifts, donations, or informal payments who needs BRL will find the DePix App far more convenient than traditional alternatives. The range of supported Liquid Network assets means you are not limited to Bitcoin alone.

Step-by-step walkthrough

The process has two stages: first convert your crypto to DePix, then withdraw DePix to your bank via Pix.

Stage 1: Convert your crypto to DePix

The conversion path depends on where your assets are.

If your crypto is already on the Liquid Network (L-BTC, USDt, or other Liquid assets):

Use SideSwap, a Liquid wallet that also works as a decentralized exchange. Inside SideSwap, select the swap pair (for example, L-BTC/DePix or USDt/DePix), enter the amount, and confirm. The swap happens directly on the Liquid Network, which means very low fees (fractions of a cent) and confirmation in about two minutes. This is the fastest and cheapest path.

If your crypto is on other blockchains (Ethereum, Polygon, Solana, Bitcoin mainchain, etc.):

Use cross-chain swap services like BrSwap.me or P2P.Land. These services bridge between other networks and the Liquid Network. You send your crypto from any supported blockchain and receive DePix (or another Liquid asset) in your SideSwap wallet. Fees are slightly higher than Liquid-to-Liquid swaps because they involve transactions on different networks, but it is still simpler and faster than using a traditional exchange.

If you have Bitcoin on the main network (on-chain):

You have two options. First, you can peg in to the Liquid Network using SideSwap, which converts your BTC to L-BTC. Then swap L-BTC for DePix inside SideSwap. Second, you can use BrSwap.me to convert directly from on-chain BTC to DePix on Liquid.

Stage 2: Withdraw DePix via Pix

Now that you have DePix in your SideSwap wallet, the withdrawal is straightforward.

Open the DePix App and log in. If you do not have an account yet, registration takes under two minutes with just an email.

On the main screen, select the withdrawal option. Enter the amount in reais you want to receive and your Pix key (CPF, email, phone number, or random key).

The DePix App will generate a Liquid address and QR code. Open SideSwap, go to “Pay”, and send the corresponding amount of DePix to that address.

After the transaction confirms on the Liquid Network (about two minutes), the DePix App processes the payment and sends the Pix to your bank account.

That is it. Your crypto is now reais in your bank. No order books, no trading pairs, no multi-day settlement.

Tips for the best experience

If this is your first time, start with a small amount to get comfortable with the flow. Once you see how quick and straightforward it is, you can scale up with confidence.

Always double-check the destination address before sending any blockchain transaction. Cryptocurrency transactions are irreversible — sending to the wrong address means losing those funds permanently.

If you are converting volatile assets like Bitcoin or L-BTC, keep an eye on the exchange rate. The rate can fluctuate throughout the day, and even small percentage changes can be meaningful on larger sums. Stablecoins, on the other hand, offer more rate predictability.

For a broader understanding of how the DePix App compares to using traditional banking for payments, check out our article on DePix vs traditional Pix. And if you are new to the DePix App entirely, start with What is DePix? for a complete overview.

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. Convert your crypto to reais without the bureaucracy and without giving up your financial privacy. Visit depixapp.com.