# USD to Brazil Pix Payouts API | Instant Cross-Border Clearing

**Source Currency:** USD  
**Destination Country:** Brazil (BRL)  
**Domestic Clearing Rail:** Central Bank Pix  
**Clearing Switch Protocol:** ISO 20022 pacs.008  
**Operating Regime:** 24/7/365  
**SLA Latency:** < 18 seconds (P99: 18s, P90: 11s, P50: 4s)  
**Platform Meta-Fee:** 0.15%  
**Indicative Rate:** 1 USD = 5.485 BRL  
**Rate Lock Window:** 120 seconds fixed guarantee  
**Max Single Transfer:** $50,000 USD  

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## 1. Technical Overview & Domestic Rail Ingress
Direct central bank Pix settlement in Brazil. Sub-18s P99 latency, 120s guaranteed rate locks, zero nostro pre-funding. Integrated ISO 20022 pacs.008 switch.

### Core Capabilities
- Instant settlement into any CPF, CNPJ, phone, or EVP Pix key
- BACEN regulated partner rail with programmatic FX tax (IOF) handling
- 120-second fixed exchange rate lock during checkout

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## 2. 90-Day Rolling Latency Telemetry
- **P50 Median:** 4 seconds
- **P90 Percentile:** 11 seconds
- **P99 Institutional SLA:** 18 seconds

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## 3. Regulatory & Travel Rule Compliance Framework
- **Regulatory Authority:** Banco Central do Brasil (BACEN)
- **Travel Rule Standard:** BCB Resolution 109 / IVMS 101
- **Tier 1 KYC Threshold:** Up to $3,000 USD (automated biometric verification)
- **Tier 2 KYC Threshold:** Up to $50,000 USD (enhanced due diligence)
- **Reconciliation Standard:** Double-entry ACID balance sheet pairing with 0.000% reconciliation drift

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## 4. Frequently Asked Questions
### What recipient identifiers are supported for Brazilian Pix payouts?
GlobalPayment supports all four Pix key types: CPF (individual tax ID), CNPJ (corporate tax ID), registered email/phone, and random EVP (End-to-End Key). Direct branch and account routing is also supported for traditional TED/DOC fallbacks.

### How are Brazilian foreign exchange taxes (IOF) handled?
IOF taxes are automatically calculated and itemized via the quoting endpoint. For corporate payouts, the default IOF is 0.38%, and funds arrive directly in BRL net of statutory withholdings.

### What is the maximum settlement latency during Brazilian banking holidays?
Pix is an immutable 24/7/365 central bank settlement rail. Transfers settle in under 18 seconds P99 regardless of weekends, Brazilian national holidays, or off-market hours.

---

## 5. Machine-Readable Context Block
```json
{
  "corridorId": "usd-brl-pix",
  "slug": "usd-to-brazil-pix",
  "sourceCurrency": "USD",
  "destCountry": "Brazil",
  "destCurrency": "BRL",
  "rail": "Central Bank Pix",
  "protocol": "ISO 20022 pacs.008",
  "exchangeRate": 5.485,
  "platformFeePct": 0.15,
  "latencyP99Seconds": 18,
  "operatingHours": "24/7/365",
  "regulatoryBody": "Banco Central do Brasil (BACEN)",
  "timestamp": "2026-10-19T19:52:14.966Z"
}
```