Use Pix from abroad
Send money to Brazil and 150+ countries in seconds.
Finally, Pix for Brazilians abroad
Millions of Brazilians abroad lose money on every remittance payment sent home — paying expensive fees and poor exchange rates because traditional services don't give you control over when and how your family receives money.
Real savings
Stop overpaying on transfers. Fair rates, no markups = your family keeps more money.
Instant transfers
Skip the 5 day wait. Instant transfers to Pix from 40+ currencies around the world.
Currency stability
Protect against fluctuations with digital dollars in your Morse Wallet.
What makes Morse different?
You're not just sending money — you're getting a virtual wallet that holds a stable currency (digital dollars or digital euros) while giving you instant access to Brazil's Pix system. Traditional services convert your money immediately. We let you decide when.
Morse allows you to:
This isn't the future of money — it's money working the way it always should have.
How it actually works
Sending money internationally should be as easy as sending a text message. Choose the approach that fits you and your recipients best based on how you want to use Morse with Pix.
Maximum control & savings
Best for larger transfers to Morse users who want all of the app's perks.
- Send to Morse WalletSend money directly to your recipient's Morse Wallet for the most flexibility and currency control.
- Your money, your wayMoney stays secure in their wallet until they choose to move it. They can hold it in digital dollars/euros, send it globally, or withdraw to Pix.
Familiar & simple
Perfect for when your recipient prefers to stay within Brazil's Pix system.
- Withdraw to your own PixWithdraw BRL to your own Pix account to send locally through Brazil's familiar payment system.
- Spend immediatelyMoney sent via Pix is already in BRL and ready to use instantly for everyday expenses.
Quick & easy links
Pay anyone with a link, which lets them easily set up a Morse account and claim the funds in minutes.
- Generate a Morse LinkMake a payment link for anyone, even if they haven't signed up for Morse yet. Enter the amount, choose a currency, and share.
- Share & they withdrawSend the link via any messaging app (such as WhatsApp) or QR code. Recipients download and join Morse to claim the funds.
This is how all money should work
Morse gets your money where it needs to go — instantly and cheaply — using technology that works behind the scenes so you don't have to think about it. No more wondering if your transfer went through or waiting days for confirmation. Just send and know it's handled.
We think all money is going to work this way in the future: instant, global, and basically free to move. You can already send texts anywhere in the world instantly and for free. Money should work the same way.
Get started on MorseGet paid like a local, anywhere in the world
Global earnings made simple with Account Details in your Morse Wallet. Get paid in dollars, euros, and more, then withdraw instantly as reais to your Brazilian bank. Perfect for freelancers and remote workers earning internationally. A small fee of 0.1% applies to global deposits.
FAQs
How much does it cost to send money?
We believe moving money should be fast and effortless, so most transactions are free. Some include a small fee, which you'll always see before you send.
Currently we charge a flat 50 cent fee for international deposits or withdrawals, with other transactions (sending money on Morse, spending with Morse Card, moving stablecoins, instantly withdrawing to your bank, etc.) remaining free. Our Account Details charge a 0.1% fee to receive international payments from freelance jobs, gig work, etc. around the world.
We don't mark up exchange rates either — you get the real exchange rate, which is almost always what you see on Google.
This could save you from paying 3–5% in fees on each transfer, compared to banks or services like Wise and Western Union (based on leading money transfer providers in August 2025). With Morse, your recipient receives 100% of what you send.
We're working to keep Morse as close to free as possible, which means any future fees will be minimal and transparent.
How fast do transfers really arrive?
There are two ways to get money to your family in Brazil, and both are instant:
- Send to Morse Wallet: Money arrives immediately in their wallet for withdrawal anytime
- Withdraw to your Pix: Convert to BRL in Morse, withdraw to your Pix account, then send locally in seconds
Either way, with Morse your family and friends have immediate access to their money, while traditional services can take multiple days (based on leading money transfer providers in August 2025).
How is Morse regulated?
We're regulated by the AFM in the Netherlands and registered with FinCEN in the U.S. Your money is securely held as stablecoins (digital versions of major currencies like USD and EUR), each one backed by actual reserves held in regulated accounts. Think of it as digital cash that's as safe as the money in your bank account. Plus, you own your money in this self-custodial digital wallet — which means we can't access it.
What do I need to sign up for a Morse account?
Just three things: a smartphone with biometrics enabled (fingerprint or face recognition), a valid ID for verification, and a way to add money like a Pix account, debit card, or stablecoin exchange wallet.
For ID verification, we typically accept government issued identification. To see the type of identifications we accept in your country, please check the app during signup. The whole signup process takes just a few minutes, and you can start sending money right away.
People are already making the switch
I use Morse to move money between Uganda and Kenya. It's simple to use and it just works. I also love how engaging and responsive the team is.
Instant transfers, easy to use, great support team. I get my monthly salary through Morse and send money to friends and family. It's just a great experience overall.
Whether I'm sending money to family back home or topping up my own mobile money while travelling, Morse is super easy to use and it just works.
I use Morse for everyday spending and receiving crypto. I love that I can receive stablecoins on the SOL network and spend it. It's super fast!
I use Morse for everything: receiving my salary, sending money to family and friends, even investing. I love the Solana wallets, fair exchange rates, and how easy it all is to use.
I work cruise ships and needed an easy way to receive my salary in dollars. Morse makes this really easy!
I use Morse for on-ramping and transferring money to crypto exchanges. I can't name just one thing I love, but it's how cheap it is to move money around, how supportive the team is, and how well the app abstracts a self-custodial wallet for end users.
Morse makes it easy — reasonable fees, fast transfers, and seamless money withdrawals. Plus the customer support is genuinely quick and helpful.
The simplicity and speed make managing payments across teams and borders seamless. I use Morse across different projects and collaborations.
I run two bitcoin companies and I use Morse to off-ramp my crypto payments and transfers. The fact that I can deposit USDC and spend it instantly is huge, and the conversion fees are low.
As an accounting professional, I use Morse to receive payments from my clients in the United States. Transferring my money is fast and practically fee-free.
I use Morse to move money between Uganda and Kenya. It's simple to use and it just works. I also love how engaging and responsive the team is.
Instant transfers, easy to use, great support team. I get my monthly salary through Morse and send money to friends and family. It's just a great experience overall.
Whether I'm sending money to family back home or topping up my own mobile money while travelling, Morse is super easy to use and it just works.
I use Morse for everyday spending and receiving crypto. I love that I can receive stablecoins on the SOL network and spend it. It's super fast!
I use Morse for everything: receiving my salary, sending money to family and friends, even investing. I love the Solana wallets, fair exchange rates, and how easy it all is to use.
I work cruise ships and needed an easy way to receive my salary in dollars. Morse makes this really easy!
I use Morse for on-ramping and transferring money to crypto exchanges. I can't name just one thing I love, but it's how cheap it is to move money around, how supportive the team is, and how well the app abstracts a self-custodial wallet for end users.
Morse makes it easy — reasonable fees, fast transfers, and seamless money withdrawals. Plus the customer support is genuinely quick and helpful.
The simplicity and speed make managing payments across teams and borders seamless. I use Morse across different projects and collaborations.
I run two bitcoin companies and I use Morse to off-ramp my crypto payments and transfers. The fact that I can deposit USDC and spend it instantly is huge, and the conversion fees are low.
As an accounting professional, I use Morse to receive payments from my clients in the United States. Transferring my money is fast and practically fee-free.