How can a Brazilian freelancer use dollars without converting everything to reais?

Updated on October 23, 2026

If clients abroad pay you in USDT, top up a virtual Visa card with a dollar balance and pay tools, ads and subscriptions straight in dollars. Whatever is left can be withdrawn back to USDT.

Issue virtual card

How can a Brazilian freelancer use dollars without converting everything to reais?

Can a freelancer spend in dollars what clients abroad pay?

Yes, if the payment arrives in USDT: you send the USDT to the Guarapay virtual Visa card and it becomes a dollar balance that pays tools and services billed in dollars without going through reais.

If you are paid another way, you can top up with a Visa or Mastercard bank card in your own name. Then your bank may add IOF and apply its own exchange rate to the top-up. This guide is informational, not tax advice: for income tax and the taxes on your work, talk to an accountant.

How do I use freelance dollars on the card, step by step?

Open the Guarapay app or the Telegram mini app @guarapay_bot, create an account and complete the identity check.
Issue the virtual Visa card; it is ready in about two minutes.
In the app tap Top up, choose USDT and the network, and copy the deposit address.
Send the USDT from your wallet or exchange to that address, on the same network.
When the dollar balance lands, pay work tools with the card number, expiry date and code.
Follow the notification of each charge in the app and keep the work receipts apart.

How much does it cost to use freelance dollars on the card?

One-off issue fee: US$ 10 on Standard or US$ 100 on Premium; no monthly fee.
Top-up fee: 2% with USDT on Standard and 1% on Premium; 5% with a bank card on both plans.
US$ 0.25 per approved purchase, taken from the balance with the purchase; a declined purchase is not charged.
Monthly spending limit: US$ 10,000 on Standard and US$ 100,000 on Premium.
Blockchain network fee: paid by you, in the wallet you send the USDT from.

What do I do with the dollar balance that is left?

You can leave the balance for the next renewals or withdraw it in USDT to your wallet: the withdrawal fee shows in the app before you confirm.

Check the destination wallet address and network carefully, because blockchain transactions cannot be reversed.

How do I keep work spending apart from personal spending?

Use the card only for work tools, ads and subscriptions.
Set a monthly cap in the app equal to your tools budget.
Keep the notification of each charge as a receipt.
Freeze the card in months when you will not spend.

Sources

FAQ

How do I spend in dollars what clients abroad pay me?

Send the USDT you receive to the Guarapay virtual card; it becomes a dollar balance and pays tools and services billed in dollars.

Do I need to convert dollars to reais before paying for a tool?

No: with a dollar balance, a charge in dollars comes straight out of the balance, with no conversion at purchase.

Can I withdraw the card balance back?

Yes: the balance can be withdrawn in USDT to your wallet, and the withdrawal fee shows in the app before you confirm.

Do freelance dollars have to be declared?

This guide is not tax advice; for declarations and taxes, ask the Brazilian tax authority (Receita Federal) or an accountant.