USDT to BRL today: live P2P rate in Brazil

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P2P in Brazil: what the rules say

Brazil's crypto statute is Law 14,478 of 21 December 2022, and the Banco Central do Brasil (BCB) has now filled in the detail. On 10 November 2025 it issued three resolutions: 519 on the authorisation process, 520 on how virtual asset service providers (sociedades prestadoras de serviços de ativos virtuais) are set up and run, and 521 on bringing parts of their business into the foreign-exchange rules. Resolution 520 took effect on 2 February 2026. Resolution 521 applies from the same date, with a few provisions from 4 May 2026, and it lists the purchase, sale or exchange of virtual assets referenced to a fiat currency, which Resolution 520 defines as stablecoins, among the operations handled inside the FX framework, together with international crypto transfers and moves to or from self-custody wallets.

Users are starting to see the effect. In a notice dated 2 October 2026, Binance told Brazilian users that from 1 November 2026 they must give the purpose of the transfer and identify the counterparty whenever crypto goes to or comes from an account or wallet outside Brazil, and that this information is reported to the BCB every month. Transfers to counterparties not authorised in the FX market are capped at USD 100,000 per transaction; transfers within Brazil do not change.

Which platforms quote reais here

When this section was written on 27 October 2026, Binance P2P showed no BRL advertisements in our feed, on either the buy or the sell side, and HTX has no BRL market. The BRL figures above therefore come from Bybit, OKX and Bitget. The platform table shows the current state, so check it before assuming any one exchange has sellers for reais.

How people pay: Pix, Skrill, Neteller

Pix, the instant payment system created and run by the BCB since November 2020, is the bank rail that BRL ads name; it settles around the clock, including weekends and holidays, and is free between individuals. Two Pix features matter for P2P. Since 2021 the BCB has applied a lower limit to transfers made at night, introduced as a defence against express kidnappings, so a large evening order may not go through in one payment. And the Mecanismo Especial de Devolução (MED), live since 16 November 2021, lets a fraud victim ask their bank for a refund within 80 days, though it only works while the money is still in the receiving account. A handful of ads accept Skrill or Neteller instead.

Tax and reporting

Receita Federal's Instrução Normativa 2,291/2025 created the DeCripto declaration, filed monthly through e-CAC from July 2026 and replacing the regime of IN 1,888/2019. Residents must file when they use foreign exchanges or other platforms, or when their operations exceed R$35,000 in a month, up from the old R$30,000 threshold. The tax rules did not change: capital gains tax still applies, sales of up to R$35,000 a month remain exempt, and holdings still go in the annual income tax return.

Sources

• Banco Central do Brasil — Resolução BCB nº 520 (10 November 2025) (accessed 2026-10-27)
• Banco Central do Brasil — Resolução BCB nº 521 (10 November 2025) (accessed 2026-10-27)
• Binance — Updates on International Virtual Asset Transfer Procedures in Brazil (2 October 2026) (accessed 2026-10-27)
• Wikipedia — Pix (payment system) (accessed 2026-10-27)
• Wikipedia (Portuguese) — Pix: golpes, MED e limite noturno (accessed 2026-10-27)
• Receita Federal — Criptoativos (DeCripto, IN RFB 2291/2025) (accessed 2026-10-27)
• Mattos Filho — DeCripto: Receita Federal institui novo modelo de reporte de criptoativos (accessed 2026-10-27)

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