Route 01
BRL → USD
Bank wire (SWIFT)
Through correspondent banks
Lost on the way
3.0%
$3,000 on every $100,000 sent
FX spread plus intermediary bank fees. The figure is our assumption; typical estimates run from 2% to 5%.
The payment that finds its own invoice.
Brazilian importers pay suppliers in Asia in stablecoins, on Tempo or Solana. An order code SM-7K3QX9PA rides inside the transfer and points back to the invoice, so every payment reconciles itself .
Live on Tempo testnet and Solana devnet
- Santos
- Shenzhen
Scroll to load the cargo
01Loading
The cargo points to the invoice.
Every payment carries a 32-byte memo , on Tempo or on Solana. We load a fresh order code into it, byte by byte, before the money leaves. Only your books say which invoice it pays.
0 of 32 bytes
Anyone can read the memo on the blockchain, so it carries only an opaque code. The invoice number, the supplier and the amount behind it stay off-chain.
02Crossing
Seconds, not days.
Bank wireSeamoney on Tempo · Solana
01Settlement
Bank wire: 1–5 business days
Seamoney on Tempo · Solana: Seconds
02Fees
Bank wire: 2–5% in fees
Seamoney on Tempo · Solana: About 1%
03Reconciliation
Bank wire: Reconciled by hand
Seamoney on Tempo · Solana: Reconciles itself
Estimates for a typical bank wire. For now, Seamoney settles only on the Tempo testnet and Solana devnet.
Your bank, São Paulo
Correspondent bank, New YorkFee + wait
Intermediary bank, Hong KongFee + wait
Supplier’s bank, Shenzhen
Supplier’s wallet, Shenzhen
03The old route
The old route makes port calls.
A dollar wire from Brazil to China usually clears through correspondent banks . Each one takes a fee and holds the money for a while. At the end, someone matches the bank statement to the invoice by hand.
Illustrative route. Real paths, fees and times vary by bank.
Bank wire
- 1–5 business days
- 2–5% in fees
- Reconciled by hand
Seamoney on Tempo · Solana
- Seconds
- About 1%
- Reconciles itself
04Arrival
The payment reconciles itself.
Seamoney finds the TransferWithMemo event on the blockchain by recipient and memo, then checks five things before it marks the invoice paid.
- 01Token contract is AlphaUSD
- 02Recipient is the supplier wallet
- 03Amount equals the invoice
- 04Memo equals the order reference
- 05Transaction succeeded
A proof page for your supplier
A CSV line for your accountant
payment_reference_memo,invoice_number,supplier,amount_usd,statusSM-7K3QX9PA,INV-2026-0845,Shenzhen Tech Co.,80000.00,reconciled
Shenzhen Tech Co.
Shenzhen, CN
Commercial invoice
- Supplier
- Shenzhen Tech Co.
- Invoice number
- INV-2026-0845
- Payment reference (memo)
- SM-7K3QX9PA
- Due date
- 10/25/2026
Amount (USD)
$80,000.00
Sample data
Reconciled
INV-2026-0845Tempo 42431
On-chain eventTempo
- event
- TransferWithMemo
- token
- AlphaUSD
- to
- 0x75c0…7ff0
- amount
- 80,000.000000
- memo
- 0x534d2d374b3351583950410000…
- →
- SM-7K3QX9PA
05Savings
What stays in your company.
Drag to what you pay suppliers each month. The numbers come from the same rules engine that prices every order.
What each route loses on the way
Route 02
BRL → USD
Stablecoin on Tempo
Straight to the supplier, with the order code in the memo
Lost on the way
1.0%
$1,000 on every $100,000 sent
Seamoney’s fee is 1% of the amount, the same rate used to price every order.
2.0 percentage points apart on every payment. Estimates, not quotes. Taxes such as IOF are not included.
Now with your numbers
FX spread plus intermediary bank fees. Typical estimates range from 2% to 5%.
06The networks
Two networks built for money that moves.
The same order settles on Tempo or on Solana. Each carries the order code inside the transfer, so the payment can be found and checked without anyone matching statements by hand.
Network 01
Tempo
- What it is
- A blockchain built for stablecoin financial products. Tempo says it is now Stripe’s default blockchain for new features.
- Fees
- Tempo has no native token: fees are paid in USD stablecoins (TIP-20). The importer never has to hold a volatile coin just to pay the network.
- The reference
- TIP-20 transfers take a 32-byte memo, and the TransferWithMemo event is indexed by it, so a payment can be looked up by its reference. Memos are public, so we write only an opaque order code there.
- Measured by us
- 1.5 to 2.3 seconds from sending to confirmation on the Moderato testnet, in our end-to-end runs (October 2026).
- Why for imports
- Costs priced in dollars, a reference that travels inside the payment, and confirmation in seconds instead of business days.
Network 02
Solana
- What it is
- A public, high-throughput blockchain. Seamoney pays with an SPL token and writes the reference with the Memo program.
- Fees
- A base fee of 5,000 lamports per signature, a fraction of a cent of SOL.
- The reference
- The Memo program logs the memo in the transaction log, where anyone can read it. Seamoney writes the same opaque order code as on Tempo.
- Measured by us
- About 1 to 1.5 seconds from sending to confirmation on devnet, in our end-to-end runs (October 2026).
- Why for imports
- A second rail for the same order: the supplier’s approved wallet decides the network, and reconciliation runs the same five checks.
Testnet and devnet only, with test tokens. Confirmation times are our own measurements, not the networks’ claims. Sources: official documentation, read on 11 Oct 2026.
07The rules
Inside the law, by design.
Paying a supplier abroad is foreign exchange in Brazil. These are the rules the route has to live within, each with what it means for Seamoney and the official text.
- 01
Law 14,478/2022
Virtual asset services · 21 Dec 2022
Virtual asset service providers may only operate in Brazil with prior authorization from a federal body or entity (art. 2). In force 180 days after publication.
For Seamoney: the stablecoin side runs through providers authorized for it. Seamoney is the order, approval and reconciliation layer, not an unlicensed exchange.
Official text - 02
Decree 11,563/2023
Regulator designated · 13 Jun 2023
Gives the Banco Central do Brasil the power to regulate virtual asset services and to regulate, authorize and supervise their providers (art. 1).
For Seamoney: the Banco Central is the authority for every part of the route, the crypto side included.
Official text - 03
Law 14,286/2021
Foreign exchange market · 29 Dec 2021
Rules the Brazilian foreign exchange market, Brazilian capital abroad and foreign capital in the country (art. 1), regulated by Banco Central Resolution 277/2022.
For Seamoney: turning reais into dollars is a foreign exchange operation: it is done by an authorized institution. Here that step is simulated.
Official text - 04
BCB Resolutions 519 and 520
Published 10 Nov 2025 · in force 2 Feb 2026
Set the authorization process and the rules for constituting and running virtual asset service providers (SPSAVs).
For Seamoney: the partner that holds and moves the stablecoins has to be an authorized SPSAV or another institution the Banco Central authorizes.
Official text - 05
BCB Resolution 521
Published 10 Nov 2025 · in force 2 Feb 2026, reporting from 4 May 2026
Brings virtual asset operations into the foreign exchange market. An international payment or transfer with virtual assets to a counterparty that is not authorized to operate in foreign exchange is limited to the equivalent of US$ 100,000 for an SPSAV (US$ 500,000 for other authorized institutions), with reporting to the Banco Central.
For Seamoney: a supplier paid in stablecoins is that kind of counterparty, so the limits and the reporting apply to each payment.
Official text - 06
BCB Resolution 561
Published 30 Apr 2026 · in force 1 Oct 2026
Updates the eFX rules (international payment and transfer services). Payments between an eFX provider and its counterparty abroad must go through a foreign exchange operation or a non-resident’s account in reais, and the use of virtual assets is prohibited (art. 50).
For Seamoney: the stablecoin route cannot be the settlement of an eFX provider. It only works with an authorized partner and a structure validated by lawyers, which is why the reais leg is simulated today.
Official text
Nothing here is legal advice: the summaries above are our reading of the official texts.
08The business
A business on every payment.
Seamoney charges on what it moves and saves the importer’s team the hours spent matching statements. Here is how it earns, the market, what must exist before real money moves, and where it goes next.
Business model
1% of each paymentIn the product
The route fee every order is quoted with (the same rule as the calculator above). Nothing to pay up front; the importer pays when money moves.
A monthly plan for teamsProposal
More people and companies per account, longer audit history and exports to accounting and ERP systems. For importers with a finance team.
Revenue share with the FX partnerProposal
The authorized partner carries out the exchange and earns on it; Seamoney brings the importers, the approvals and the reconciliation. The split is to be agreed with the partner.
Market and unit economics
US$ 70.9 billion
Imported by Brazil from China in 2025, about a quarter of all Brazilian imports (US$ 280.2 billion, FOB).
1% by end-2027
The G20 target for the global average cost of cross-border retail payments (no corridor above 3%), with wholesale payments reconciled the day they are credited. Seamoney’s fee sits at that target.
US$ 10,000 per US$ 1 million
What the 1% fee earns on every million dollars importers pay through Seamoney. The bank cost it replaces is assumed at 3% in our calculator.
The minimum before real money moves
- 01An authorized partner for the reais-to-dollar leg and the stablecoin custody (an FX institution or SPSAV authorized by the Banco Central).
- 02A legal opinion on the route: the eFX rule (Resolution 561, art. 50) and the limits and reporting of Resolution 521.
- 03Know-your-customer and business checks on importers and suppliers, and anti-money-laundering monitoring.
- 04Mainnet keys in custody with access controls, instead of a test key in the server.
- 05The rest of the backend plan: a ledger, a durable queue (outbox) and an external security review.
Roadmap
Now · Oct 2026
Working prototype
Sign-in, approval by a second person, versioned wallets, payments and reconciliation on the Tempo testnet and Solana devnet, public proof, audit trail. The reais-to-dollar exchange is still simulated, so no real money moves yet.
Next
Finish the backend
Ledger, outbox and review cases for mismatches; single sign-on for companies; team management on the server.
After legal validation
Pilot with a partner
An authorized FX partner and a few importers as design partners, with real limits and reporting.
Then
Scale
Mainnet, suppliers in more Asian countries, and integrations with the ERPs importers already use.
Documentation
How to run the stack, the API with its rules and errors, and the prototype notes, kept next to the code.
The business model beyond the 1% fee, the partner split and the roadmap are the team’s plan, not results. Market figures link to their official source.
International payments made simpler and cheaper, with automatic reconciliation.
Importing just got easier.