A faster, cheaper, no-ID alternative to Western Union, MoneyGram, Remitly and bank wires — for anyone with a phone and a crypto wallet.
Brazil's remittance market is less talked about than Mexico's but still huge — over $4 billion a year, mostly from Brazilian workers in the US, Portugal and Japan. Pre-paid mobile penetration is 60%+ of all SIMs in the country. FillUpCoin lets you top up a Vivo, Claro, TIM or Oi number in São Paulo, Fortaleza or Belém with crypto — in R$ denominations the subscriber immediately recognises from the carrier's own recharge app.
| Sending $100 to Brazil | Fees + FX | Settlement time |
|---|---|---|
| Western Union | ~$11 | 24–72 hours |
| Remitly / Wise | ~$6 | 1–3 business days |
| FillUpCoin (crypto airtime) | under $1 (crypto network fee only) | 1–5 minutes |
Figures are typical. Western Union and Remitly fees vary by corridor, payment method, and promotional pricing. FillUpCoin only charges the crypto network fee — $0.50 on USDT TRC-20, pennies on Solana, $1-5 on Bitcoin depending on mempool.
USDT TRC-20 for small to mid recharges; Bitcoin or Solana for Brazilians who already hold crypto natively.
You can also pay in Bitcoin (BTC on-chain), Ethereum (ETH), or Solana (SOL). The invoice is denominated in euros, so the sender sees the exact amount in crypto before confirming — no surprise exchange-rate movements.
A Brazilian cleaner working in Boston sends R$50 to his mother in Minas Gerais every two weeks. Before FillUpCoin it was Remessa Online (which required ID and 2-3 business days). Now it's a USDT transfer on his phone during his lunch break, and the Vivo balance credits in Belo Horizonte in under a minute.
Common senders include United States, Portugal, Japan, United Kingdom and Spain — anywhere there's a Brazil diaspora with internet access, our service works. The only requirement on the sender side is a crypto wallet with a positive balance.
Ask them. Vivo is strongest in the South and Southeast. Claro has strong rural coverage in the Northeast. TIM has aggressive data plans in metro. Oi is sunsetting — only use it if the family specifically asks.
Yes. The recharge adds R$ to the account. The subscriber then selects a monthly 'Vivo Pré Facilita' package from the Vivo app that matches their R$ balance, and the plan auto-activates for the next 30 days.
For small amounts yes. Remessa charges around 2-3% + FX spread; Wise around 1-2% + FX; both have minimum fees that hurt small transfers. Crypto fees for a R$50 recharge are typically under R$2.
Yes, while Oi is still operational. If your family is on Oi and considering switching, this is their heads-up — Oi is losing network share and 2G is being decommissioned in most of the country.