How to receive crypto without an intermediary in Brazil (non-custodial and fee-free)?

To receive crypto without an intermediary: use a non-custodial gateway — the payment goes straight to your wallet, with no one holding or settling the money in between. And pay a fixed subscription instead of a percentage of every sale. In Brazil, this means charges with the amount locked in reais, receiving Bitcoin and USDT, with no PSP taking a slice and no custodian.

What “no intermediary” means in practice

In many payment services, the money passes through a provider's account before it reaches you — it holds custody and settles the value. “No intermediary” means non-custodial: the payment goes on-chain straight to the wallet you control, and the gateway only watches the confirmation.

This removes the risk of a third party holding, blocking or losing your money — something that has already happened at scale with custodians.

US$ 12.7 billionwas the amount a court order (a CFTC case, the U.S. regulator) required FTX to pay back to customers after the collapse — money that was under the exchange's custody. Without an intermediary, that money would never have passed through it. — Source: CFTC (US)

No per-transaction fee

No intermediary also means no slice of every sale. Instead of paying a percentage (like the card MDR), you pay a fixed monthly subscription — the cost doesn't grow with your revenue. See the comparison in how much a crypto gateway costs.

How it works in Brazil (BRL-native)

You set the price in reais (the amount is locked in BRL) and receive in Bitcoin or USDT (Tron/Polygon). The customer pays in a ready-made checkout, the money lands straight in your wallet and you're notified by email, Telegram and webhook.

Step by step

Create the account and register your wallet's public key (BTC xpub / USDT address).
Create a charge in reais (or integrate via API).
The customer pays; you receive it directly, with no intermediary.

Frequently asked questions

Do I have to trust someone with my money?

No. It's non-custodial: the payment goes straight to your wallet and Stackfy never holds or controls the balance.

Is there a per-transaction fee?

No. You pay a fixed monthly subscription, with no percentage of every sale.

Can I set prices in reais?

Yes. Stackfy is BRL-native: you charge in reais (locked amount) and receive in Bitcoin or USDT.

Which cryptocurrencies can I receive?

Bitcoin on-chain and USDT on the Tron (TRC-20) and Polygon networks.

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