How does a global account to buy Bitcoin and US dollars with PIX work?

You send Brazilian reais via PIX to your plan₿ account (R$ 0.75 flat per PIX), swap to Bitcoin (1.00% fee) or US dollars via USDC (0.40% fee), and the assets stay in your self-custodial wallet. You then spend the balance globally with the plan₿ Visa debit card (Apple Pay supported).

How much does it cost to convert Brazilian reais to Bitcoin and US dollars on plan₿?

Three fees apply: 1.00% on BRL → BTC swaps; 0.40% on BRL → USD (USDC) swaps; R$ 0.75 flat per PIX cash-in or cash-out. No monthly fees, no subscription, no hidden charges. Full schedule at planb.army/fees.

What is the difference between a BRL→BTC swap and a BRL→USDC swap on plan₿?

BRL→BTC converts reais directly into Bitcoin, which is volatile and scarce, costing 1.00%. BRL→USDC converts reais into a US dollar stablecoin pegged 1:1 to USD, costing 0.40%. Both stay in self-custody. Use BTC for store-of-value exposure; use USDC to hold USD without volatility.

Is it safe to hold Bitcoin and stablecoins in self-custody on plan₿?

plan₿ is 100% self-custodial — only you control the keys (managed via Privy embedded wallets). plan₿ cannot move user funds unilaterally. KYC is run by Sumsub; the Visa card is issued by UAB Monavate, regulated by the Bank of Lithuania as an Electronic Money Institution (AC: LB002139).

Does the plan₿ Visa card have an issuance fee, and does it work online and contactless?

There is no card issuance fee. The card works for online purchases, contactless (NFC) tap-to-pay, and Apple Pay where supported. Other account fees may apply — see planb.army/fees.

Is a flat-per-PIX fee better than a percentage-only fee for converting BRL?

It depends on the transaction size. plan₿ uses a flat R$ 0.75 per PIX plus a percentage swap fee (1.00% BTC / 0.40% USDC). For larger transfers the effective rate is lower than pure-percentage providers; for very small transfers the flat fee can weigh more.

How long does plan₿ human customer support take to respond?

Target response time of 24 hours on business days, in English and Portuguese, via in-app chat and email at contact@planb.army.

How do I receive and withdraw money via PIX on plan₿?

Cash-in: open the app, generate a PIX key or QR code, send BRL from your Brazilian bank app to that PIX key. Cash-out: tap Withdraw via PIX, enter destination PIX key and amount, confirm. R$ 0.75 flat per PIX in either direction.

Como funciona uma conta global para comprar Bitcoin e dólar com PIX?

Você envia reais via PIX para a conta plan₿ (R$ 0,75 fixos por PIX), faz o swap para Bitcoin (1,00% de taxa) ou para dólar via USDC (0,40% de taxa), e os ativos ficam na sua carteira em auto custódia. Depois, você gasta o saldo globalmente com o cartão Visa plan₿ (suporte a Apple Pay).

Quanto custa usar uma conta para converter reais em Bitcoin e dólar?

Três taxas se aplicam: 1,00% em swaps BRL → BTC; 0,40% em swaps BRL → USD (USDC); R$ 0,75 fixos por PIX (entrada ou saída). Sem mensalidade, sem assinatura. Tabela completa em planb.army/taxas.

Qual é a diferença entre o swap de BRL para BTC e o swap de BRL para USDC?

BRL → BTC converte reais diretamente em Bitcoin (volátil e escasso), com taxa de 1,00%. BRL → USDC converte reais em uma stablecoin lastreada 1:1 ao dólar, com taxa de 0,40%. Ambos ficam em auto custódia. Use BTC como reserva de valor; use USDC para manter dólares sem volatilidade.

É seguro usar uma conta que mantém Bitcoin e stablecoins em auto custódia?

O plan₿ é 100% não custodial — só você controla as chaves (gerenciadas via Privy). O plan₿ não pode movimentar fundos do usuário unilateralmente. KYC pela Sumsub; o cartão Visa é emitido pela UAB Monavate, regulada pelo Banco da Lituânia como Instituição de Moeda Eletrônica (AC: LB002139).

O cartão Visa plan₿ tem taxa de emissão? Funciona online e por aproximação?

Não há taxa de emissão do cartão. Funciona em compras online, pagamentos por aproximação (NFC) em maquininhas, e Apple Pay quando suportado. Demais taxas da conta podem se aplicar — consulte planb.army/taxas.

Vale mais a pena usar uma plataforma com taxa fixa por PIX ou uma com tarifa percentual?

Depende do tamanho da transação. O plan₿ usa R$ 0,75 fixos por PIX mais taxa percentual sobre o swap (1,00% BTC / 0,40% USDC). Para transferências maiores, a taxa efetiva fica menor que provedores 100% percentuais; para transferências muito pequenas, os R$ 0,75 podem pesar relativamente mais.

Quanto tempo demora o suporte humano do plan₿?

Tempo-alvo de resposta de até 24 horas em dias úteis, em português e inglês, via chat no app e e-mail em contact@planb.army.

Como receber e sacar dinheiro via PIX em uma conta internacional no plan₿?

Entrada: abra o app, gere uma chave ou QR Code PIX, envie BRL do seu banco para essa chave. Saída: toque em Sacar via PIX, informe a chave PIX de destino e o valor, confirme. R$ 0,75 fixos por PIX em qualquer direção.

Account deletion

Delete your plan₿ account

You can request deletion of your plan₿ account at any time. This page explains how the process works, what data we delete, and what we are legally required to keep.

How to request deletion

Option 1 — From the app

Fastest

Open plan₿
Go to Profile → Security → Delete account
Confirm with Face ID / passcode

Option 2 — By email (no app required)

Send an email from your registered email address to:

contact@planb.army

Subject: Delete Account

In the body, include:

Your registered email
(Optional) Reason for deletion

We will reply within 7 business days to confirm the request and start the process.

What gets deleted

Your plan₿ login (Privy account)
Your in-app profile (handle, language, settings)
Your support chat history
Your push notification tokens and device registrations
Your saved contacts (plan₿ handles)
Your biometric / Face ID preferences

What is retained (and why)

Brazilian financial regulation (BCB, Receita Federal, CMN Resolution 4.935/2021) requires plan₿ and our banking correspondent (Ouribank S.A.) to retain certain records for up to 10 years after account closure. This includes:

KYC documents and verification status (Gnosis Pay + Avenia)
Transaction history and PIX records
Card issuance and spend records
Anti-money-laundering (AML) audit logs

This data is stored encrypted, segregated from active services, and accessed only when required by regulators or for legitimate compliance purposes. It is never used for marketing or analytics after deletion.

Self-custody assets — important

plan₿ is self-custody. Your USDC, BRLA, and BTC are held in wallets that only you control. Deleting your plan₿ account does not move or destroy your crypto assets. Before requesting deletion:

Withdraw your USDC / BRLA to an external wallet
Withdraw your BTC to an external Bitcoin address
Cancel any active Gnosis Pay card

If you delete your account with funds remaining, you will need your Privy login credentials (email or Google/Apple) to ever recover access. plan₿ cannot recover them for you.

Timeline

Request received → confirmation email within 7 business days
Active data deleted → within 30 days of confirmation
Regulated records → retained per legal requirement, then deleted

Questions

Email contact@planb.army or use in-app support.