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Brazil is one of Latin America's largest financial markets, with a payments ecosystem that moves billions of reais daily. Pix, the country's instant payment system, has become one of the most widely adopted real-time payment rails in the world, processing hundreds of millions of transactions every month.
As financial infrastructure increasingly moves toward blockchain-based systems, the question for platforms operating in Brazil is no longer whether onchain settlement is viable. It's how to do it in local currency, with the same speed and reliability that Brazilian businesses and users already expect.
BRAt is the Brazilian real stablecoin issued by Twin.
It maintains a 1:1 parity with the Brazilian real (BRL) and functions as a payment and settlement layer for local currency transactions within blockchain-based financial systems.
What 1:1 parity means
Each 1 BRAt represents 1 Brazilian real (BRL).
This parity is maintained through a reserve structure designed so that the value of the assets backing BRAt is equal to or greater than the total tokens in circulation.
Within blockchain infrastructure, BRAt operates as a payment and settlement layer for Brazilian reais.
What backs BRAt
Every BRAt in circulation is backed by verifiable financial assets denominated in or pegged to the Brazilian real.
Today, BRAt is backed by BRLA, a BRL stablecoin. The reserve architecture is designed to expand over time, with the ability to incorporate additional high-quality assets: BRL1, BRZ, USDC, USDT, Brazilian reais, or other BRL-denominated instruments.
This flexibility allows Twin to optimize the reserve composition for safety and liquidity as the market matures, without affecting existing integrations.
The reserve structure is documented and can be verified through auditable records.
Who issues BRAt
Twin manages the issuance architecture, reserve structure, and onchain infrastructure that enables BRAt to function as a stablecoin within blockchain-based financial systems.
BRAt is issued on Base, a fast, low-cost network designed for real-time payment and settlement.
What a local currency stablecoin enables
A stablecoin denominated in Brazilian reais allows financial platforms and users to operate in local currency within blockchain infrastructure.
Some of the primary use cases include:
- Brazilian real payments and transfers across blockchain networks.
- Real-time payment and settlement for high-volume flows: payroll, supplier payments, cross-border transfers.
- Exchange between stablecoins and digital assets.
- International payments denominated in local currency.
BRAt is natively integrated with Pix. Counterparties can send reais directly via Pix to mint or redeem BRAt, connecting the payment rails Brazil already uses with onchain infrastructure.
Where to access BRAt
BRAt is currently available through belo, integrated for all their users across Latin America.
BRAt is also technically compatible with DeFi protocols. Platforms and developers can integrate BRAt into decentralized applications, enabling its use within the broader onchain ecosystem.
Why local currency stablecoins matter
USD stablecoins play an important role in the global crypto ecosystem. However, many financial flows continue to be denominated in local currencies.
A local currency stablecoin allows those transactions to operate directly in the domestic currency within blockchain infrastructure, without requiring conversion through the U.S. dollar.
BRAt is part of Twin's local-currency stablecoin pack for Latin America: ARGt, BRAt, COLt, PERt. One infrastructure layer, one integration, multiple markets settled and paid in local currency.
FAQs
Does BRAt fluctuate like other cryptocurrencies?
No. BRAt is a stablecoin designed to maintain a 1:1 parity with the Brazilian real through a reserve-backed structure.
Who can use BRAt?
BRAt can be used by users through platforms that integrate Twin's infrastructure. This includes exchanges, wallets, fintechs, and protocols that need to operate in local currency within blockchain systems. BRAt is also technically prepared for integration with DeFi protocols and on-chain applications, making it composable within the broader decentralized ecosystem.
How is BRAt different from USDT or USDC?
USDT and USDC are stablecoins denominated in U.S. dollars. BRAt is denominated in Brazilian reais and allows payments and transactions in local currency to operate directly on blockchain infrastructure. For this reason, BRAt and USD stablecoins typically serve complementary roles within the ecosystem.
Can BRAt be used for payments outside Brazil?
Yes. Because BRAt exists on blockchain networks, it can be transferred between addresses regardless of geographic location, enabling international payments and transfers denominated in Brazilian reais.
What is Pix and how does it connect to BRAt?
Pix is Brazil's instant payment system, operated by the Banco Central do Brasil. BRAt is natively integrated with Pix, which means counterparties can send reais directly via Pix to mint or redeem BRAt without friction at the fiat layer.
*This content is provided for information purposes only. It does not constitute investment advice, nor does it offer or provide investment advisory services. Nothing in this content constitutes an offer to sell, or any solicitation of an offer to buy, any assets. Nothing in this content constitutes legal, tax or financial advice. No reliance may be placed for any purpose on the information contained in these materials or its accuracy or completeness.