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PIX COM CRIPTO (Sem Passar Pelo CPF nem CNPJ 2026) — Transcript

by Elidio Segundo - BLINDADO COM BITCOIN · 13,490 words · 1,895 segments · language en · Watch on YouTube

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0:00Pay attention to this. I just generated
0:01a Pix payment request. I’m going to
0:03receive this Pix right now. And this
0:05Pix will land directly in my crypto
0:07wallet. It will land in my self-custody
0:09. From there, if I want, I can move it
0:11to a crypto card and use it anywhere in
0:13the world with ease. I can even move it
0:16to send a Pix to anyone I want as well.
0:18The person will receive a Pix from me
0:20with this balance coming out of my
0:22crypto wallet. And the upside is, if I
0:24want, this person won't even know it
0:25was me who sent it. What's more, this
0:27Pix I received here doesn't even pass
0:29through my bank account; it doesn't go
0:31through my individual tax ID or my
0:33business tax ID. The money lands
0:35completely in my self-custody, where
0:37absolutely no one can get in to block
0:40or take my money. In this video, I will
0:42show you how to set up a crypto wallet
0:43to receive Pix like this. And I'll show
0:46you three platforms you can use to
0:48receive Pix directly into your
0:50self-custody, as well as how to send
0:51Pix through them to whoever you want.
0:54Look here, Pix confirmed. Traceability,
0:58bank dependency, persecution, account
1:00freezing. These are just some of the
1:03many reasons why people simply don't
1:04trust keeping money in the bank these
1:06days. With the situation in Brazil,
1:10where there's a craze to tax everyone
1:13from all sides or seize people's money
1:15or goods, absolutely any decent person
1:18with at least two brain cells knows you
1:21need to keep at least part of your
1:23money in a place that ill-intentioned
1:25people cannot reach, if only so it can
1:28be your safety net. Then you ask me: "
1:31What do you mean, a safety net?" It’s
1:33important that a portion of your money
1:35be in a place where only you have
1:36access. For example, if it happens to
1:39you the same way it happened to me,
1:41where I had an unfair judicial freeze,
1:43you at least have part of your money in
1:44a place you can use, for instance, to
1:46pay a lawyer and defend yourself. A
1:49person who has a complete freeze on
1:51their accounts and no money set aside
1:53elsewhere simply lacks the ability to
1:55even defend themselves. That is exactly
1:59why there are several platforms, over
2:00100 platforms in Brazil today, where
2:02you can receive a Pix, and that Pix
2:04lands directly for you in a
2:05cryptocurrency, a cryptocurrency that
2:07won't fluctuate, staying exactly at the
2:09same value as the real or the same
2:10value as the dollar and tucked away in
2:12a corner where no one can touch it or
2:14see what you're doing with it. The
2:18truth is that many people don't know
2:19you can live your entire life with your
2:21money in a cryptocurrency. You can
2:24receive payments, have anyone who wants
2:25to send you money send it via Pix, and
2:27have it automatically converted into
2:28these cryptocurrencies. And you can
2:30also, for example, pay via Pix to
2:32anyone who wants to receive a value in
2:34conventional reais, while you pay out
2:36from your cryptocurrencies. That is
2:38also completely possible. In fact, I
2:40have another video here on my profile
2:41where I show how you can take these
2:42cryptocurrencies and load up a card
2:44that you can use anywhere in the world
2:45in your daily life. You get to a gas
2:48station, get to anywhere, insert the
2:50card, look at it, and you pay. There's
2:53no payment limit; you can live
2:54completely normally. These
2:55cryptocurrencies that don't fluctuate
2:57are called stablecoins. How does it
2:59work for this currency not to fluctuate
3:00and have its value, for example,
3:02stabilized at the dollar exchange rate?
3:04A company issues this cryptocurrency,
3:06and for each one of these
3:08cryptocurrencies issued, they keep
3:09dollars in their reserves. It keeps
3:13that cryptocurrency's exchange rate
3:16locked. That dollar that is kept inside
3:18the company's reserves. In real
3:19practice, they don't necessarily keep
3:21dollars; they keep US government bonds,
3:22they keep a little bit of gold. There
3:25is a structure that is completely
3:26audited and provides this parity. And
3:29there isn't just one of those, no.
3:30There are several. There is stable
3:31cryptocurrency for the real, stable
3:33cryptocurrency for the dollar, and
3:35stable cryptocurrencies for the euro.
3:37The famous ones in the world are USDT
3:39and USDC, which are stable in dollars.
3:42There are several others, and I
3:44personally use one called USDG a lot,
3:46which is also stable in dollars, but
3:48here in this video I will show you a
3:50cryptocurrency called DPIX, which is an
3:52access and convenience token that has a
3:54value identical to R $ 1. One DPIX is
3:57the same as R $ 1. And the market
4:00makers of Eulen, which is the issuer of
4:02this DPIX, provide this parity for you.
4:04And by using this DPIX, you receive
4:06something that is practically identical
4:08to the real. And if you want, you can
4:10use it to make Pix payments anywhere.
4:13Or, for example, you can convert it,
4:14even without anyone knowing, directly
4:16into Bitcoin. Or if you wish, you can
4:18convert it directly into crypto dollars
4:20to use anywhere in the world easily as
4:22well. In this video, I will show you
4:25how to create a wallet to receive this
4:27DPIX, this cryptocurrency that you can
4:29turn into anything or receive a Pix
4:31payment directly into. I will explain
4:34the logic of how it works behind the
4:35scenes, so you can follow the exact
4:37same step-by-step while watching the
4:39video. And I will also show you these
4:42three platforms, which are Dent Peg,
4:44which is the one open here on my screen
4:46, Deflow, also open here, and Domin Pay
4:49. The foundation for using these
4:53platforms is exactly the wallet, so
4:55let's see now how to download it, put
4:57it on your phone, and start learning
5:00how to make these transactions. As for
5:03the tool you will use, you will choose
5:05which one you prefer. Each one has its
5:07own characteristics, each one has its
5:08own fees. Even the fees can
5:10occasionally fluctuate, a bit higher, a
5:12bit lower, or a promotion they might
5:14run. I will tell you the fees at this
5:16exact moment while I am recording this.
5:18And you choose whether you will use
5:20Dent Peg, whether you will use Deflow,
5:22or whether you will use Domin Pay. Two
5:25of them, Dent Peg and Deflow, make a
5:27lot of sense if you receive amounts,
5:29for example, via Pix up to R $ 6,000
5:31per person sending to you. And Domin
5:34Pay might make more sense if you want
5:36to receive an amount and that amount is
5:39, for example, at once, of 10,000,
5:4115,000, 20,000, 50,000, 100,000,
5:43200,000. Or 500,000, you will be able
5:45to use it. Besides that, I will leave
5:47you a coupon that will be down here in
5:48the video description along with the
5:50link for each of these platforms to
5:52reduce their fees. I will give you the
5:53standard rate and I will also give you
5:55the reduced rate with the coupon. But
5:57the first thing of all you need to do
5:59is pick up your phone and go to your
6:01app store. And in the app store, you
6:04will first download SideSwap. You'll go
6:06into your app store, whether it's for
6:08iPhone or your Android phone, and look
6:09for this app here. SideSwap. It is an
6:13app that uses the Liquid Network. What
6:15is the Liquid Network? It's a second
6:17layer built on top of Bitcoin. It is
6:20what we call a sidechain. If you are a
6:22bit more technical, you will understand
6:24it more easily. You will click to open
6:26SideSwap. And when you open Swap, this
6:29exact screen you see here will appear.
6:31On this screen you see, your goal is to
6:33create a new wallet. And it is very
6:35important that you understand one thing
6:37. A crypto wallet is usually composed
6:40of either 12 or 24 words. If someone
6:43gets these words, that person has
6:45access to your money. The main point of
6:48this crypto wallet is for you to have
6:50security over the words. So, it will
6:52appear here on the screen; if you want,
6:54you will even see my words, but
6:55obviously, when I finish using the
6:57wallet, I will discard it. This one
6:59here is not the wallet that I actually
7:00use. I am not going to show you my
7:02words here because I'm not a fool,
7:03right? For heaven's sake. When you are
7:06on this screen, if you want, you can go
7:07to the upper left corner and change the
7:09language from Portuguese to whatever
7:11language you prefer. And the first
7:13thing you will do is click up here,
7:14create new wallet. When you click
7:16create new wallet, it will show the
7:17terms; you can read them if you want.
7:19Or, if you are like 99.9%of people, you
7:22just click agree. And it will ask if
7:24you want to enable biometrics. And here
7:26it will ask you if you want to back up
7:28your wallet. You will select yes. If
7:32you accidentally clicked no and skipped
7:33the steps, rest assured that you will
7:35also be able to back it up at another
7:36time. But it is extremely important
7:40that you back up your wallet, because
7:42if your phone breaks, if your phone
7:44catches fire, if your app uninstalls,
7:47if anything happens, the only thing
7:49that will give you access to that money
7:51back are these words. If you don't
7:55write down these words and have this
7:57recorded on paper—not a screenshot on
7:58your phone, not in a WhatsApp chat, and
8:00not in a photo, no. It has to be
8:03written on paper and kept in a safe
8:05place; otherwise, if your phone breaks
8:07or the app disappears for any reason,
8:09you will lose your balance. Actually,
8:12it's very good that I brought up this
8:13point about the app disappearing. Even
8:17if the SideSwap app disappears, you can
8:19use these same words to find your
8:21balance within another crypto wallet,
8:23like the Blockstream wallet, for
8:25example. This is a huge advantage of
8:29the crypto ecosystem. You are not
8:31dependent on one specific wallet. Your
8:34balance is not inside your wallet; it
8:36is on the blockchain, accessed through
8:38those words you are writing down. So it
8:40doesn't matter if I complete the
8:42registration here and put money in, I
8:44could put 1 million or 10 million here,
8:46it doesn't matter. If this app
8:48disappears, vanishes, is blown off the
8:50face of the Earth, and disappears from
8:52the app store, I can simply take my 12
8:54words here—which I will write down in
8:57a moment—go to another crypto app
8:58that provides access to the Liquid
9:00Network, like the Blockstream app, and
9:02I will access these assets. Oh, L, what
9:06is another app I could use for this as
9:08well? The 76 app, for example. What are
9:10you going to do? I personally like
9:11using SideSwap. It’s a personal
9:12preference of mine. It’s what I’m
9:14going to teach here because it’s my
9:15channel and I’m the one teaching,
9:16right, handsome? Do you want to back up
9:19your wallet? Yes, 12 words appeared.
9:22Now is the time for you to write this
9:24down on paper. If you are as obsessive
9:26as I am, I like to have this written
9:27down in three places. Normally I take
9:29this, write it on paper, and put it in
9:31three secret places that only I and the
9:33people who fully know my life and my
9:34money are aware of, because I usually
9:36keep a slightly higher balance in this
9:38Liquid wallet. Since you will use it,
9:40for example, to receive a Pix payment
9:42for a business or a personal
9:43transaction, or something similar,
9:44eventually there will be times when you
9:46have a higher balance, which is a
9:48significant amount for you. So it is
9:50important that you keep these words
9:51secure, because if someone gets a hold
9:53of these words, they can take this
9:55money from you. Got it? Write down the
9:57words and then proceed to the
9:59confirmation step. Did you write down
10:01your words, handsome? It’s now going
10:03to test to see if you really wrote them
10:04down. In fact, if you import my words
10:06into your wallet, what will happen is
10:08you'll see my transaction history for
10:10this little account I'm using while
10:12recording this. Click here, confirm
10:14your words, and then you'll select each
10:16of the words according to what you have
10:18written down. For example, here it's
10:20asking what the third word was. So
10:22I’ll select "auto" here. Obviously,
10:25you also shouldn’t be saying this out
10:26loud, and don’t tell anyone. Don’t
10:28do this in a place with cameras,
10:29because cameras can capture this. This
10:31is a crypto wallet. Have some sense,
10:32for God's sake, don't mess this up.
10:34Word five, obviously you will fill in
10:36all the words according to what yours
10:37are. Click confirm, and there you go,
10:40it's successful. Just click continue.
10:44When you click continue, this question
10:46will appear asking if you want to
10:48register your AMP ID to trade
10:49securities. This is something that is a
10:52much more advanced step. You will
10:54practically almost never need to deal
10:56with this. This would be, for example,
10:58from the perspective of other types of
11:00investment, and it is not the goal of
11:01this video and will not be the goal for
11:03the vast majority of people watching me
11:04. So if your goal is just to receive a
11:06Pix, send a Pix, it's safe here. Forget
11:08this, don’t click register, just
11:09click here, look. Not now. Perfect.
11:11We’ve reached the home screen. To be
11:13able to use this, even a donkey could
11:16do it. If you pay attention here, just
11:18follow step by step and you’ll be
11:19able to do it too. Oh, one important
11:22thing up here in settings, in the top
11:24right corner, if I click on it, the
11:26first option will be "see my recovery
11:28phrase." This right here is the
11:30recovery phrase. These are the 12 words
11:32. If you happened to accidentally skip
11:34that initial step, you can see it here
11:36again. For example, man, I'm doubting
11:38if I wrote down any word correctly. If
11:39you got even one letter wrong, it’s
11:40going to be a mess too, alright,
11:41handsome? Write it letter by letter,
11:43correct? I don’t want anyone
11:45bothering me saying: "Oh, I wrote down
11:47my words wrong.""I’m going to lose my
11:48money." Write it down neatly. Write it
11:50down in two or three places. I like to
11:51have it written down in at least three
11:52places. At minimum a domain, including
11:54an image and an address. Here inside
11:56home, the first thing you see is a very
11:58large receive button. If you click on
12:00this receive button, whenever it asks
12:02you what type of address to generate,
12:04always choose normal wallet, never
12:06lightning. You just accept that, all
12:08right? You will click on normal wallet
12:10and it will generate an address. This
12:12is like your PIX key for receiving on
12:15Liquid. Let's close it so we can go
12:17back and understand what else is here
12:18in the app. Then you will click here on
12:20assets, down here in the corner next to
12:22home. If yours isn't in Portuguese, go
12:24to the settings at the top and set it
12:26to Portuguese, okay? Click on assets.
12:29Here in assets, Liquid Bitcoin will
12:31appear for you, and Tether USD will
12:33appear. What is Tether USD? Crypto
12:35dollar inside the Liquid network. L-EUR
12:38, which is what? Almost no one uses
12:40crypto euro, not even people living in
12:43Europe use crypto euro. Honestly, I
12:45don't know who had the idea of using
12:47crypto euro, but I see very little use
12:49for it today, at least in daily life,
12:51compared to crypto dollar. Man, I see
12:53that everywhere, I see people using it;
12:55it's just that sometimes you don't have
12:56a trained eye, you don't see it, but
12:58for me, who works with this, I see it
12:59everywhere, in every nook and cranny.
13:01And finally, decentralized PIX. This
13:03decentralized PIX is exactly what we
13:05are going to use. What is decentralized
13:07PIX? Decentralized PIX. This is what we
13:10will end up receiving, which has the
13:11same value pegged at 1 Brazilian Real.
13:14In fact, in a little while you'll
13:16understand that you can exchange this
13:17decentralized PIX for crypto dollar or
13:19for Bitcoin, in case you want to. If
13:21you are a guy who already understands
13:22Bitcoin, you will prefer Bitcoin. If
13:24you don't understand Bitcoin, it's
13:25natural that you won't want to expose
13:27yourself to Bitcoin. Bitcoin demands a
13:29much higher level of understanding. A
13:31person needs to be much more advanced
13:32to understand what Bitcoin is. But once
13:35you understand Bitcoin, you will never
13:36again in your life want to have
13:37anything in Reais or in crypto dollars.
13:40Bitcoin is superior to everything else,
13:42even with price fluctuations. But the
13:44goal of this video is not to convince
13:45you about Bitcoin, no. You will
13:47convince yourself through mere exposure
13:49. Next to that, there's the markets
13:51button. You'll practically never use it
13:53. It's a useless button for the vast
13:54majority of people. Then there's the
13:56swap button. What is this swap button
13:59for? It's used so you can exchange
14:00things. Oh, I have an amount of Pix
14:04here. Deliver it. I have a large amount
14:06of Pix. I want to swap this for crypto
14:08dollars. Is that where you'll make this
14:10swap? Oh, no. I have a large amount
14:12here of liquid Bitcoin. I want to have
14:14crypto dollars. I want to have this.
14:15Balance in Pix. This is where you swap
14:17it. Oh, it. I have a balance in crypto
14:20reais and I want to have this in
14:22Bitcoin. I already understand what
14:24Bitcoin is, it makes more sense to me
14:25now. I want to have a little bit in
14:26Bitcoin. There you go, this is where
14:27you do it. Alright, you won't make any
14:29swaps now because you don't have any
14:30money in your account, right, buddy?
14:32For heaven's sake, have some faith. And
14:33lastly, there's this button here,
14:36peg-out. This wallet here is also very
14:38interesting because of this button. We
14:41won't use it in this video, but I want
14:44to plant a seed in your mind so you can
14:47understand something. You'll click here
14:51on peg-out and here you'll understand
14:53how to fund your balance inside this
14:54wallet. There are practically two
14:57options. Either you send pure Bitcoin
15:01in here, or you already receive crypto
15:04reais, or you already receive crypto
15:07dollars, or you receive liquid Bitcoin
15:10right here, directly in the assets tab.
15:14Remember that. Either you receive it
15:17directly using the Liquid network
15:19tokens, which are these ones, or you
15:21receive it directly in pure Bitcoin, on
15:23the main chain. How do I know it's pure
15:26Bitcoin on the main chain? Because pure
15:28Bitcoin on the main chain is this one,
15:30this orange one with a B slightly
15:32tilted to the right. This is the
15:34convention. And what about Liquid
15:35Bitcoin? Liquid Bitcoin is the
15:37second-layer Bitcoin, which is what
15:39we'll be using normally. Which one is
15:41the most secure of all? Truly, it's
15:45pure Bitcoin on the first layer, but if
15:47you're just starting out, you'll still
15:49mature your level of understanding to
15:51reach that point. Got it? So, just so
15:55you understand, if you click on "pegin,
15:57" you will generate an address that can
15:59receive pure Bitcoin. Look here, any
16:02address that, well, you don't have to,
16:03but if you want, you can write it down.
16:05If you want, you can just forget what
16:07I'm about to tell you. Every address
16:09that starts with "bc1" is a Bitcoin
16:12address. Every Bitcoin address either
16:16starts with "bc1," or starts with "1,"
16:18or starts with "3." Got it? This is in
16:22case I wanted to supply Bitcoin here.
16:23What is the advantage of supplying
16:25Bitcoin here? Transactions using the
16:27Liquid Network remove the transaction
16:28trail. Every transaction on a
16:30conventional blockchain exposes the
16:32trail of where the money goes and comes
16:34from. When you use Bitcoin on the
16:35Liquid network, you can remove the
16:37trail of these operations. It is widely
16:39used. Later on, I can make a video
16:41deeply explaining how Liquid Network's
16:43confidential assets and transactions
16:45work, okay? And lastly, what I need to
16:49explain here about using the wallet is
16:51this button here, "pegout." The "pegout
16:54" button is for when you have a balance
16:56that is in Liquid Bitcoin and you want
16:58to send it to Bitcoin, on the main
16:59chain. Damn, I have a high balance here
17:03, I want to trade this for reais, I
17:04want to store it in Bitcoin, I want to
17:06send it in Bitcoin to someone or
17:07anything like that. This is where you
17:10make that transfer. You send it from
17:11here to Bitcoin on the conventional
17:13chain. Here you just enter the amount
17:16you want in the upper right corner and
17:18below you enter the recipient's address
17:20. If you are starting now, ignore this
17:23"pegin/out" button. You will basically
17:26only use the assets button and the swap
17:29button. Those are the only two buttons
17:31for beginners. Start with a small
17:33amount so you can feel more secure. Got
17:35it? Ready. My Sideswap is configured.
17:38And now, Elídio, what do I do now,
17:40handsome? You're going to come to this
17:42site here, deflow.exchange. Exchange,
17:44and oh, deflow, d-e-f-l-o-w. Age, just
17:50that. Put in deflow. Exchange, and this
17:52site will open up. This right here is
17:54the Theflow website. I will show you
17:55how to perform the procedure through it
17:57, because I think it is simpler to do.
17:59There are other options, like for
18:00example Boltz, like for example Dent,
18:02like for example Diamond Hands, but
18:03since the fee on Theflow ends up being
18:04lower, it will be more practical for
18:06you to learn through it, you will like
18:07it. In case you have any situation,
18:09like, you want to try another one to
18:10test it out. Other options exist as
18:12well, just enter the coupon "blindado"
18:14and it will work, but I'll show you
18:15using Deflow, just follow along with me
18:17step by step and it will work for you,
18:18okay? I won't even show it on the
18:20computer; it's better if I show you
18:21directly on the phone. Look at this,
18:23handsome. I'm here on my phone, you're
18:24going to type, look, deflow. Exchange.
18:28Got it? Once you type it, the home page
18:30will appear. It will come up with this
18:32little animation here. I'll teach you
18:34now how to receive Pix directly and how
18:36to use it to send Pix, pay with a card,
18:38or do whatever you want. Here on the
18:40home page, that basic landing page that
18:43explains what the platform is for, that
18:45you can use to receive Pix and have it
18:47come out as Pix, and use it to withdraw
18:49and pay anyone via Pix. And they make
18:51it very clear here, look: 100%no KYC to
18:52start. Why do they include this note "
18:54to start"? Because when you start
18:55making transactions, great, everything
18:57is running smoothly. But every once in
18:58a while, there's some jerk who wants to
19:00use the platform to try to pull a scam,
19:01a third party, or something like that.
19:02And these guys have a ton of mechanisms
19:04to identify when there's an idiot
19:05trying to pull a scam. So eventually
19:07they might ask who you are, they might
19:09request, there is a possibility of KYC,
19:11but you can be 100%calm if they want to
19:14know who is operating and what the
19:15objective is; you won't have any
19:17headaches. Man, I don't know, I think I
19:19have over 20,000 people I've already
19:21referred to this platform among my
19:22students and the people who follow me
19:24on social media as a whole. I've shown
19:26this content to over 200,000 people,
19:27but more than 20,000 of my students
19:29already use this platform, and they
19:31haven't had a single bit of trouble.
19:32First thing of all, go up here to the
19:34top right corner and click on "create
19:36account" or on this little button in
19:37the middle here. Get started for free.
19:39It doesn't matter which. This animation
19:41will appear. You'll come here, enter
19:43your email, create a password, and
19:45confirm that password. The display name
19:48is how people will see you appearing in
19:49there. You can rest easy, it’s really
19:51nothing major. Like, I don't know, uh,
19:54armored 10, for example. And the coupon
19:57is where you’ll get the discount so
19:59your fee comes out cheaper. This will
20:02cut their fees in half. In fact, as you
20:04transact, the fee will reach a floor of
20:070.79 for each Pix received. 0.79%. The
20:10coupon you will enter here is the
20:12armored coupon. If you don't enter the
20:14coupon, what will happen is that you'll
20:16pay more. So that’s up to your
20:17discretion. Once you’ve entered the
20:19armored coupon, click here to register.
20:21It will send a verification code to the
20:23email you registered. You go there and
20:25confirm this code. Confirm. And here
20:28are those basic terms of information
20:30that you’ll obviously take a look at
20:31and read. If you want to read it,
20:33obviously, but anyway, we come here,
20:34click that you read and accepted it.
20:36It’s nothing more or less than it
20:38explaining the bureaucratic part of the
20:39whole thing and how it works. It
20:41explains that it is just an
20:42intermediary, that in fact those
20:43performing these operations are the
20:45Eullen team themselves, who are the
20:46issuers of the Pix, right? And it will
20:48simply connect you with the Eullen team
20:50so they can trigger that fund for you.
20:52And here it will talk about some news.
20:54In general, everyone clicks "not now."
20:56But if you keep clicking "not now,"
20:58this crap will keep appearing every
21:00single time. So if you don't want this
21:02thing popping up on your screen,
21:03you’ll click here on "see news."
21:05I’ll click "not now" here, just so
21:06you can see that this thing will keep
21:08coming back on the screen. Done,
21:10you’ve reached the home page. It’s
21:12very simple. Simple as that, buy crypto
21:16, send Pix, charge to bill a third
21:19party, or create a payment link. Simple
21:23as that. I personally don't really like
21:25this view that you’re seeing here.
21:27I’ll go to the top right corner, to
21:29this little gear, and I’ll click here
21:31, on the simple view mode, alright? To
21:33make life easier. Just come here, I
21:35switched from advanced to simple and it
21:37already changed. Then click outside and
21:38it will already appear. Buying crypto
21:40is when you want to make a purchase for
21:42yourself, when you want to start
21:44receiving your payments this way.
21:47Sending Pix is when you want to send to
21:49a third party, it’s kind of obvious.
21:52"Charge" is when you want to charge
21:54someone, and "create link" is when you
21:55want to send a payment link to a third
21:57party. Down here, there is this button,
21:59"Whale Desk." Why "Whale Desk"? Because
22:03this platform allows you to receive Pix
22:06transfers of up to 6,000 BRL per person
22:09sending to you, and you can send up to
22:126,000 BRL to each person you pay. What
22:16do you mean, Eli? You can receive up to
22:186,000 BRL from 1,000 people, 10,000
22:21people, two people, or as many as you
22:24want. As long as an individual person
22:26sends you that amount. It is not linked
22:29to a specific person's bank account; it
22:31is linked to the CPF that sent that
22:33balance to you. This means that if you
22:36want to receive 10,000 BRL from someone
22:38, you would normally do 5,000 BRL one
22:40day and 5,000 BRL the next. If you need
22:42to receive higher amounts than that,
22:44you come here to this button, see? "
22:46Whale Desk." The team will understand
22:49what your operation is about to be able
22:50to provide these higher limits for you.
22:53For lower amounts of up to 6,000 BRL or
22:551,000 BRL. It's simple. Either here in
22:57"Buy Crypto," when you are the one
22:58adding it, or here in "Charge," when
23:00you are going to charge someone. Before
23:02we do anything in here, I need you to
23:05understand one thing. We will have to
23:08link the place that will receive any
23:11payment you send. So, for example, you
23:13received a payment here. This payment
23:17you received goes directly to an
23:19address. And the address you will
23:22receive it in is your Site address. It
23:25will land directly here in the assets
23:27tab of Site Swap. You will see this
23:30balance here in "decentralized pix," in
23:32Pix. And then you'll ask me, "Eli, what
23:34do I do when this money starts falling
23:36in here for me in Pix?" Well, that's up
23:38to you. You can keep this balance here
23:40in Pix and use it to send and make Pix
23:43payments. Or you can swap it for this
23:45second option here, which is Tether USD
23:47, which is nothing more than crypto
23:48dollars. And you can use these crypto
23:51dollars to make payments, or you can,
23:53for example, use this to top up a
23:55crypto credit card you might have. I
23:58usually strongly recommend people use
24:01the OKX card. I actually have a
24:03specific video on it, editor please,
24:04put the video here on screen. Inside my
24:07profile, in the utilities playlist,
24:09there's a video where I teach you how
24:11to use a crypto card so you can spend.
24:13So you'll be able to use these balances
24:16there using the crypto card. If you
24:18want to keep your balance in Liquid
24:19Bitcoin, you can do that. If you want
24:21to withdraw this to the traditional
24:22Bitcoin chain, you go there. But most
24:24people, to be honest, they don't give a
24:26damn about Bitcoin or crypto dollars. I
24:29talk about it because I like it. I
24:30personally prefer my balance in Bitcoin
24:31a thousand times over. But most people
24:33will prefer their balance either in
24:35crypto real or in crypto dollars.
24:37That's no problem at all, it's up to
24:39you. What is safer, Elídio? Let's see.
24:42OPX is pegged through the Yulen market
24:44maker. I won't get too technical, just
24:47so you can understand. When you receive
24:51Depix and want to exchange it to send
24:53in reais, Eulen, which is the issuer of
24:55Thepix, swaps it for you and sends it
24:57in reais to a third party. If you want
24:59to swap for crypto dollars, there is a
25:01swap button right here below. So you'll
25:03have your balance here, you'll click on
25:05swap and you'll exchange it for crypto
25:07dollars right there. I personally don't
25:10like to keep very high amounts of Pix
25:12in my account. Why? Because I feel
25:15safer with crypto dollars. The crypto
25:17dollar is a global structure, it is
25:19absurdly audited. These guys are inside
25:21the White House negotiating with Donald
25:23Trump. So, it's something many times
25:25bigger. The Pix is big, it's big. It
25:28moves what? A few tens of millions
25:30every month with a lot of people
25:32transacting this. They have a hell of a
25:34structure. Their structure isn't here
25:35in Brazil, it's outside, it's over in
25:37El Salvador. But either way, I
25:39personally prefer to have the structure
25:41either in crypto dollars or in Bitcoin.
25:44If you don't want price volatility,
25:45stick with crypto dollars. In Pix, how
25:47much do I normally leave at most in my
25:49account? Up to 30, 40, 50,000 reais in
25:52Depix there. At most, if it goes over
25:54that, I'm already converting it. Or
25:56sometimes I don't even let it get to
25:57that point. If it gets to a slightly
25:59larger amount that I'm not going to use
26:01right now to send a payment to someone,
26:02I go and convert it to dollars. Got it?
26:05After this explanation, I need you to
26:07understand, I'm going to link my Deflow
26:09so that all the Pix payments I receive
26:12go directly into Pix here. And notice
26:14that I haven't uploaded any documents
26:15yet. All right? Let's go. How do I do
26:18this? Go back here to Deflow, come down
26:20here to the bottom right corner and see
26:22this little plus button? Click the plus
26:24, right? And here you're going to come
26:27over, look, and search here, actually I
26:29already passed it, profile. You'll
26:32click here on profile and you'll scroll
26:34your screen down here. It will show you
26:37the fees you have at this exact moment.
26:39And here inside Deflow it works like
26:41this, as you transact fee. Once you
26:46pass, for example, R $ 50,000, R $
26:481,000 in transactions made here inside
26:50Deflow, like: "Ah, I've already
26:52received, more than R $ 50,000 has
26:54passed through my account," your fee,
26:56actually, during this process, it
26:57already starts dropping. But, once it
27:00hits 50,000, it will stay at 0.79. This
27:03isn't what you have to transact per
27:04month, it's cumulative. Once you hit
27:07that 50,000 transacted, it will drop to
27:100.79 and stay there as long as their
27:12policy structure remains at 0.79.
27:15They've been doing this for quite a
27:16long time. So I believe that this will
27:19be continued. It's been a very, very,
27:20very long time. Ever since they
27:21launched the platform, they've had this
27:23policy that once you pass 50,000, you
27:25get a 0.79 fee. And your fees will
27:27normally appear here. If you have a
27:29protected coupon, it will already
27:30appear here, coupon applied to this
27:32account, right? Everything is fine up
27:35here. What we're going to do now is
27:38register the address to be able to
27:40receive Pix. You're going to come down
27:44here to more and you're going to look
27:46for this, wallets. See the profile
27:48button? There is the wallets button.
27:50Done. In this wallets button is where
27:52you will register the address that will
27:54be receiving all the payments you get.
27:56So, click here on wallets and you'll
27:59come here to register. Look, it asks
28:01here, wallets for Pix. It's very simple
28:05. You go back here inside Site Swap,
28:07click here on the assets tab at the
28:09bottom and come here, decentralized Pix
28:12. Click on decentralized Pix. Click on
28:16receive, right? And here it will ask if
28:18it's going to be a regular wallet or a
28:20securities wallet. It will always be a
28:21regular wallet in your case. A
28:22securities wallet is something else, no
28:24need to explain it now. It generated an
28:25address, which is this QR code here.
28:27And this address starts with LQ1Q and
28:30it ends right at the end with ZsD9N,
28:34right? You will click here, look, on
28:36copy. See here? Liquid address copied.
28:39Copied the address, go back to Defow,
28:42come here to Liquid address and that's
28:44it. Click here to paste. It will say
28:48that the address is valid. It will
28:49identify that as your address. You'll
28:51check if you pasted everything
28:53correctly and you'll put here, look, my
28:55wallet. Done. Just click here to save
28:59the wallet. It will send an email to
29:02you to ensure that you were the one who
29:04registered this. Because, for example,
29:06if someone gains access to your account
29:07for any reason and wants to change the
29:09receiving address, they won't be able
29:10to because they don't have access to
29:11your email. So you will go here and
29:13enter the verification code that was
29:14sent to your email. Entered the code,
29:16verify and save. Done, the wallet is
29:19saved here. How do you go about
29:20receiving your first Pix? It's quite
29:22easy. Click here on home, on the middle
29:25button. Click here on, for example, buy
29:27crypto. You will perform this first
29:29transaction. Usually, it's you yourself
29:30doing the test. The amount you're going
29:34to pay, the very first transaction, is
29:36usually limited to about 20 or 30 BRL.
29:39I will put 50 BRL here to see if it
29:40allows it. There it is, look. Amount
29:42limited to 30 BRL, first deposit limit.
29:45The very first deposit is up to 30 BRL,
29:47alright? How does this deposit process
29:49work? The very first deposit is up to
29:5330 BRL. You make the first deposit.
29:56Once you make the first deposit, it
29:58will arrive automatically to your
30:01address via normal Pix. The second,
30:05third, fourth, and fifth deposits are
30:07held and only reach you in 24 hours. If
30:10you are a very suspicious person, you
30:12can do the following: send the first
30:14deposit and see it arrive instantly.
30:15Let's see this happen. Let's go, and
30:17then I'll explain how you do the others
30:19, and all the rest will fall instantly
30:21for you. I'll put it here and it shows
30:23you right here. Look, it's right here.
30:25You'll receive 28.44 from the 30 BRL,
30:28which is the 1.89%Pix fee plus the 99
30:31cents fixed per transaction. It shows
30:34everything nicely here. And you click
30:37here, generate Pix code. Bam, you'll
30:41enter the CPF or CNPJ of the person
30:43sending this payment. If you're using
30:46your own account, put yours here. If
30:48you're sending from a third party, put
30:50their info. If you're receiving a Pix
30:52from someone else, you enter that
30:54person's details. I'll enter a CPF here
30:56. And then you click here, continue to
31:00Pix. Click on continue to Pix. It will
31:03generate the Pix key for you here. Got
31:05it? Look at that, all nice and neat.
31:09Just copy it and ask the person you
31:11want to pay, or pay it yourself. As
31:14long as the person paying is the owner
31:18of the CPF or CNPJ you registered. It
31:24can't be someone else's. The funds will
31:28only enter your account if the person
31:30sending the Pix is the owner of the CPF
31:33you entered. It's not saying it has to
31:36be your CPF; usually, you're the one
31:38making the transaction. So you go there
31:40and enter it yourself. But if you're
31:42asking a third party to do it, you'll
31:44enter their CPF or CNPJ. For every
31:47payment you receive, it will ask for
31:49this by default. Got it? I copied the
31:52Pix. Look, when making the payment, it
31:55appears here: Prime Union Trading. It
31:56will depend on which company Eull is
31:59using at this moment to process the
32:01payment. And it shows the amount here.
32:03You click continue and you can easily
32:06make the payment. All done, I've made
32:11the payment, everything looks good here
32:14. I'm back to my screen. Let's go back
32:17to the statement to take a look. Come
32:18on, let's head back to the statement.
32:20Click back here. And look right here.
32:24Received via Pix 28.44. Completed. And
32:29below is the person who sent that Pix.
32:32You can click to take a look. And here
32:35you'll see all the transaction details.
32:37How much was paid, how much the fee was
32:38. Oh, LD, but this is really expensive,
32:41man. For amounts over 100 BRL, this fee
32:44becomes practically negligible. And
32:46another thing, as you process more
32:47transactions, that rate goes down. Once
32:49you’ve passed 50,000 in transactions,
32:50that rate drops to 0.79. Do you prefer
32:52that this money goes through your
32:54account or do you prefer that it goes
32:55directly to you without passing through
32:57your account? Then you get to choose,
32:59alright? The amount charged in fees,
33:01how much you received, everything nice
33:02and neat. Alright? Let’s take a look
33:04to see if it landed directly in my
33:06wallet. And let’s check to see if it
33:07arrived. Oh, look at that, the amount
33:09is already here, 28443. It’s already
33:13showing up here. Elidio, where do I see
33:15the amounts that are hitting my account
33:16? Up there in the top right corner, on
33:19that little clock icon, there it is,
33:20the receipt. Elidio, how do I receive
33:23others from now on? Let’s go. Alright
33:25. Let's go, buddy. Once you’ve made
33:27that first deposit, the first deposit
33:28landed for you. How do the next
33:29deposits work? Pay close attention so
33:31you don't mess this up and then say I
33:33didn't warn you. The second, third,
33:35fourth, fifth, sixth deposit. When you
33:39make them, they will be held for up to
33:4224 hours, right? Why do they do this?
33:45It’s a way to make things harder for
33:47fraudsters, because there’s a way to
33:49identify some patterns with that, and
33:51then you keep an eye out for, for
33:52example, some kind of crook trying to
33:54use it to run a scam. For you, as a
33:56regular person, who is straightforward,
33:58who doesn't have any problems, what is
33:59it? Like, when I say fraudster,
34:01understand: it’s a con artist, that
34:03kind of lowlife who likes to use these
34:05platforms to try and do harm to other
34:06people. But for you, a regular person,
34:09who wants to set up payment reception
34:11for your business, your clinic,
34:12receiving payments for your daily life,
34:14you can use this peacefully. If you
34:16want, if you’re very suspicious, you
34:18can make the second deposit and wait 24
34:21hours to see if that money arrives. The
34:23money will arrive, you can deposit
34:25whatever amount you want, all right? If
34:27you are a more relaxed person, if you
34:29already know me, if you are already my
34:30student, if you already know that I'm
34:32not just some crazy guy, some bum
34:34trying to scam you like most of these
34:36guys out there, you can do the
34:37following to unlock this right away.
34:40You make the second, third, fourth,
34:41fifth, and sixth payment. There you go.
34:43You'll make the payments right there.
34:45You can use it. If you don't want to
34:46send everything from your account, send
34:47it from one of your accounts, then send
34:49another from a different account. And
34:50whatever amount you want to put in, put
34:52in 50, put in 100, put in 20, put in 10
34:54. The fee is just higher because when
34:57you put in 10, it will charge a fixed
34:58fee of 1 plus the rate, right? So, if
35:01you already know me, you know this is
35:03smooth, so you can easily put the
35:04payments there. If you don't know me
35:07and you're getting to know me now
35:08through this video, then proceed with
35:10caution, that's no problem at all. Make
35:12the second deposit, wait 24 hours, see
35:14that money land in your account, make
35:16the third deposit, make the fourth, the
35:18fourth deposit. If you want, you can
35:20just go ahead and do the second, third,
35:21fourth, fifth, and sixth. And starting
35:23from the seventh deposit, it unlocks to
35:25drop automatically for you. So, for
35:27example, if you already know it and you
35:29just want to get it working, you can
35:31set it here to receive. Click here on
35:33collect. And here in collect is when
35:35you are going to charge a third party,
35:36all right? Click on collect and it will
35:39say here, configure QR Code. Click here
35:42, configure QR, all right? And here it
35:44will give you the details. You can put,
35:47for example, a QR code with the name of
35:49your shop or your business, or you can
35:51just put something like "collection,"
35:53the name, you know? Simple thing. Click
35:56here on create and that's it. The
35:59amount here, it's set to a free amount.
36:02And you can take this address here and
36:03send it to whoever you want. You can
36:06click here to copy and you can send it
36:08to a person who wants to make a payment
36:09to you. Oh, but they're here in front
36:12of me, or, you know, anywhere I am.
36:15Fine, there's no problem at all. You
36:17come here, you copy it, you send it to
36:19the person, the person opens it, or you
36:21open it yourself here on your phone,
36:22look, click this little arrow here, and
36:24it will automatically open this screen
36:26for you. And this screen is a standard
36:28payment request screen. Look here, let
36:30it load, right? There you go, it loaded
36:31. Oh, my cedilla didn't show up, it
36:33just said "charging." Alright. You go
36:37here for the person who is going to pay
36:39you and you put: "Oh, I want to receive
36:41200 reais." Put 200 reais here and
36:46that's it. Click here to proceed. Enter
36:48the CPF or CNPJ of the person who is
36:50going to make the payment. I'll show
36:52you how to spend this money in a little
36:54bit, but put in the info for the person
36:55making the payment. This platform only
36:57gives you one single headache. It’s
36:59when you don’t enter the payment, the
37:01correct CNPJ or CPF of the person. If
37:05you don't enter it correctly and neatly
37:07, what will happen is that it gets
37:08refunded. The money leaves the account
37:11of the person who made the payment and
37:13is immediately reversed back to them,
37:15alright? So that is a real possibility
37:17that can happen if the guy didn't put
37:19the right CNPJ, but once your account
37:21is cleared after the sixth deposit,
37:22it's smooth sailing. Why, what are you
37:25going to do? Because from the seventh,
37:27eighth, ninth, tenth deposit onwards,
37:29the moment the guy makes the payment,
37:30you can already see in your site swap
37:31that you received it. So it's all good,
37:34it won't be reversed. There is no way
37:35to take the money out of your site swap
37:37. The only person who has control over
37:40your site swap is you, alright? In fact
37:42, that is why it is important that you
37:44have written down the access words for
37:47the site swap. I don’t keep my access
37:49words written down only at my house. My
37:51house could flood, it could catch fire,
37:53something could happen. I usually leave
37:55it written down in one place and also
37:57leave it at another address or a third
37:59address. Keep them separate because if
38:02someone takes them, if this gets
38:04damaged, if you lose your phone, you
38:06have no way to recover the money. The
38:09money is right there in those words,
38:11alright? That’s how cryptocurrencies
38:13work. When you have a crypto wallet, if
38:15you lose the words, you no longer have
38:17access to the money. Got it? Oh, Elid,
38:20but that's way too hard, man. This is
38:22super easy. It’s just a matter of
38:24habit. If you do this for one day, two
38:25days, three days, my brother, by the
38:27third day you won't have a single doubt
38:28left. Got it? Enter the tax ID of the
38:31person making the payment, generate the
38:33charge, point it to the guy, and have
38:36him make that payment. That's it, no
38:38catch. Get the guy to make the payment,
38:40remember, this is the second payment
38:41you're putting through. This second
38:43payment here is one of those that will
38:46be held. Go ahead, you can, you can do
38:48it. "Oh, Elid, but I want to get past
38:50this held value stage first so I can
38:52feel more comfortable." Fine, do it
38:55yourself. Come here to home, click here
38:58on buy crypto, and you keep making
38:59payments. See, I'm going to make a
39:01payment of R $ 15 here. Done, all set.
39:05I'm going to make about six payments
39:07here to unlock this thing quickly.
39:09Generate Pix code. Look at that. I made
39:12the payment, I made the second payment.
39:14Then it will show up here. In a little
39:16while, it will identify that the
39:17payment has been made. Back here, see.
39:20Let's go here, see. It's right here,
39:22see. Second payment has already been
39:23made. It's not marked as completed. If
39:25I click here, see, it's right here, in
39:26the sending queue. But it will take 24
39:29hours to process and have that
39:30automatically drop in. So, you can do
39:34it, I just don't know if you can do all
39:36six at once. Actually, you can do the
39:39six, you can, but I'm not sure if you
39:41can do them from your own account
39:42automatically. One thing, one important
39:45thing, I know the people behind Theflow
39:47, alright? I know who is behind the
39:49whole structure, the entire team, I
39:50know the people there, the link is here
39:52behind it. I'll put the WhatsApp number
39:54for my support team down here in the
39:56video description, so if you have any
39:57questions and you need any kind of
39:59access, that's fine. It's very
40:01intuitive in here, the staff responds,
40:02the people are easygoing; you won't
40:04have any headaches to talk to their
40:05support. Their support is in here, but
40:08I'll also put my own support team down
40:10here in the video description. Click
40:12here on more, see, to be able to talk
40:13to them, to clear up any doubts. Click
40:15on more. So here you’re going to look
40:17for security, flow makers, I don’t
40:18know what else. Help center, talk to
40:20support. There, in talk to support, you
40:22can clear up any questions with the
40:23support staff. I think they have a
40:25little AI that answers basic questions.
40:27And if anything, you can ask to speak
40:29to an agent and it will transfer you so
40:30you can talk to an agent. It will
40:32process these six payments. After these
40:34six payments, everything you receive
40:37via Pix will land instantly in your
40:39account. What kind of headache could
40:41you have? It’s if you type the
40:44payer's CPF or CNPJ wrong, right? So
40:47you have to be careful about that. Oh,
40:49he says, but that’s annoying because
40:51sometimes the guy isn’t there, it’s
40:53not that easy. Man, would you prefer
40:55this or would you rather keep using a
40:57third-party account and risk getting
40:58sued for fraud? With this, you aren't
41:00using a third-party account. If you
41:01keep using a third-party account, you
41:03could face a lawsuit for fraud in the
41:04future. Fraud leads to jail time. This
41:06here is not fraud. This goes directly
41:08to your account and it doesn't even
41:10pass through your bank account. You can
41:12use this to receive payments and it
41:13won't impact your bank account at all.
41:16I'm not saying you shouldn't issue your
41:18invoices and pay your taxes, no. I'm
41:21just saying there won't be a taxable
41:23event here in this situation. Then
41:25obviously, whether you do it or not, I
41:27won't get into that moral debate
41:28because it's better to stay quiet,
41:30right, about my real opinion on this
41:32subject. But the point is, would you
41:35rather keep risking it or would you
41:36rather have a way where it goes
41:38straight to your account, where no one
41:39can touch it, where no one can take
41:41your money? Once your money is inside
41:45the swap site, you can convert it to
41:46crypto dollars, you can use it to spend
41:49with a crypto card. Leandro, please,
41:51again, put up the image from the video
41:53I have that teaches how to get a crypto
41:55card. Put it on a crypto card and spend
41:58it. Oh, but what if I want to use this
42:01to send a Pix to someone else? If I
42:04want to take this balance, let's say I
42:05already have a higher balance here in
42:07my account, and I want to send a Pix to
42:09someone else. I've already received
42:10payment, received payment, and I want
42:11to send a Pix to someone else. How do I
42:13do it? I'll show you how to do it right
42:14now. It's very simple. Just come back
42:16here to the flow and click right here,
42:18send Pix. Alright? You'll enter the Pix
42:23key of the person you're sending the
42:25Pix to. I want to send a Pix to whoever
42:28, maybe to one of my suppliers, for any
42:31situation. I personally use this here
42:33to pay for my car rental. Actually, to
42:36be honest, I don't even send it through
42:37here. I take the balance in Pix that's
42:39there, convert it, and send it directly
42:41to my card. And then I pay using that.
42:43But, for example, the rent for the
42:45house I live in, I pay through here. I
42:46take it here, I send a Pix to the lady,
42:49to Ms. Daniela. There, she's paid,
42:51everything's settled. I send it here,
42:54my name doesn't show up when I send the
42:56Pix, which I didn't even want it to,
42:57but I have everything documented. I
42:59generate a receipt. I'll generate a
43:01receipt here. I'll send a Pix here.
43:03I'll enter a CPF Pix key here. How much
43:05do I want to send via Pix? The minimum
43:07amount is 20 BRL, the maximum amount is
43:0860 BRL. Since you already have a little
43:11balance here on the site, you can use
43:13the balance that's here. I don't know,
43:15I want to send 25 BRL. Let's go here,
43:19look. 25 BRL. Done. The minimum amount
43:23you can send is 20 BRL. The maximum
43:25amount you can send is up to 6,000. But
43:27El, I need to send an amount higher
43:30than 6,000. Remember that little button
43:31? OTC desk? I actually think it's
43:33stupid of the guys who developed the
43:35site. It should be "high value desk" or
43:37something like that. Because most of
43:40the audience isn't Portuguese, and OTC,
43:41I know, is the "whales 'desk" for those
43:43with higher volume and everything, but
43:44most people don't understand it. It
43:47should be like that, by the way, okay?
43:48Rodrigo, Inox, the guys who are there
43:52in the dev process. Alright, let's go,
43:54continuing. Click here on send Pix. El,
43:58but the fee is too expensive. Didn't
44:00you say the fee would be 1.89%at the
44:02beginning and then it would go down?
44:04Well, but for amounts below, I think
44:06it's R $ 110, it charges that fixed fee
44:09. In general, let me give you a tip.
44:12For amounts you want to send via Pix,
44:13it's worth it when you're sending a
44:15larger amount. Above R $ 110, it pays
44:17off to send a Pix through here. For
44:20amounts below R $ 110, I personally
44:22prefer to use the crypto card. Why?
44:25Because you use the crypto card there,
44:26you won't pay a fee, you'll receive
44:28cashback, even 2%cashback, and it won't
44:29even be linked to your name or anything
44:31like that, if you do it the right way,
44:33as I showed in the video. But anyway,
44:36let's do this so you can learn, okay?
44:39Click here on send Pix. Done. Oh, one
44:41detail, sending Pix is available right
44:44from the start. If you had any crypto
44:47and you put it into Pix and want to
44:49send it now—I haven't even received
44:51anything here, but if I want to send R
44:52$ 5,000, R $ 6,000 right now, if I want
44:54to send R $ 1 million right now, put it
44:56all into Pix and start shooting off R $
44:585,000 at a time to whoever I want, I
45:00can do it this very moment, there's no
45:01barrier, no security lock, it doesn't
45:03hold anything back, okay? Click here,
45:06look, copy address. Boom. Right here,
45:10on this copy address, address for
45:12sending Pix. What is this Pix send? The
45:16Pix send is how much I'll be sending
45:19out, alright? The amount to send is 28.
45:23So I come here, look, I go to my
45:25SideSwap, click on decentralized Pix,
45:29click on send, allow paste, and here it
45:32is, the address I pasted. Click on it,
45:36and look at that, it ends in WHP. Let's
45:40see if it's the same. It ends in WHP.
45:42It's the same. Great. What is the
45:44amount? 28. But here it shows send LBTC
45:47, send Liquid Bitcoin. You aren't going
45:50to send Liquid Bitcoin, you'll click on
45:52it and click here, look. I want to send
45:54Pix, right? 28. Click on review, okay?
46:01Click on send. Done, I've already sent
46:04it. How long until this Pix hits the
46:08account I'm sending it to? Between 3
46:11and 4 minutes? That's usually how long
46:14it takes to go through. Simple as that.
46:18Come here. So here it will identify and
46:22process everything. Within 3 to 4
46:24minutes, that balance will drop in
46:26automatically. While it doesn't drop,
46:28I'll show you the other features. My
46:30tip for you: when you're doing it for
46:32yourself, click the "Buy Pix" button.
46:35When you need to request a payment from
46:37a third party—say I'm receiving a
46:39payment, I did a consultation, I'm a
46:41doctor, a dentist, a physical therapist
46:43, anything like that, receiving payment
46:45for services. I want to receive a
46:48payment, click the button up there, "
46:50Charge." I want to make these purchases
46:52myself, click this button right here, "
46:54Buy Crypto." I want to send a Pix to
46:57someone through here, look. "Send a Pix
47:00." Now you're going to ask me: Elídio,
47:03I'm having someone make a Pix payment
47:07and this Pix is landing for me without
47:09even communicating with my account. Am
47:13I harming the person who's sending me a
47:15Pix this way? And the answer for you is
47:18: I'll explain it and you'll draw your
47:20own conclusion. Let's go. What this
47:22person is doing is buying DPIX, and
47:25automatically, upon purchasing their
47:29DPIX, they send that amount to you.
47:33However, DPIX runs on a second layer of
47:35Bitcoin called the Liquid Network.
47:38That's a more technical detail. If you
47:40want to learn about it, you can
47:42research deeper into how it works,
47:44which is a layer that has two things:
47:46confidential assets and confidential
47:48transactions. What are confidential
47:51assets and confidential transactions?
47:54It's a type of blockchain transaction
47:57that doesn't show what's being sent,
48:00nor the details of that transaction. So
48:04you have privacy in that what you are
48:08transacting has a direct link between
48:11your wallet and the person who sent
48:14that payment. Damn, sometimes you want
48:17to receive a payment and don't want the
48:18person to know what your account is.
48:20This is a solution. Sometimes you want
48:22to receive a payment and don't want
48:23that money to hit your checking account
48:25. This is the solution. Sometimes you
48:27want to make a payment and don't want
48:28it to come out of your bank account.
48:30This right here is the solution. It's
48:31an excellent solution to avoid having
48:33your money in a place where anyone else
48:36can look and take it. Inside your bank,
48:38can someone go in there and take your
48:39money? Yes. Inside Pix, can someone go
48:42in there and take your money? If I said
48:43they couldn't, I would be lying. There
48:46is a loophole that could allow someone
48:48to come after you. And that is the
48:51Liquid Network. It is a federation of
48:54various companies, many global
48:56companies. There are companies based in
48:58Dubai, the biggest crypto companies in
49:00the world, that are part of the Liquid
49:01Network federation. To be able to hand
49:06over the transactions you are making,
49:08specifically for one person, it has to
49:11be if what you are doing is a global
49:13crime. Not necessarily what is a crime
49:17or what is done here in Brazil for
49:18someone to come after you is
49:20necessarily the same wrong thing there
49:22in the Seychelles, for example, which
49:23is a tax haven; which isn't necessarily
49:25the same as what is considered wrong,
49:27for example, there in Dubai; which
49:29isn't necessarily the same as what is
49:31considered wrong there in Hong Kong. So
49:34they use these multi-jurisdictions to
49:36say what? I will only hand over the guy
49:39who is operating within here, show his
49:41addresses and where that money went. If
49:45this guy is really doing something very
49:48wrong, which is in fact wrong, for
49:51example, a crime with a victim, a scam,
49:54like for example, I don't know,
49:57anything you can imagine that is truly
50:00wrong. If the guy is just doing his own
50:03thing there, making his movements, many
50:05, many places don't see what he's doing
50:07as wrong. He is simply making financial
50:09movements, doing his own thing. So it's
50:11as simple as that. Done here,
50:12withdrawal complete, look here, see.
50:14The withdrawal appeared here as
50:15completed. I'll go to this little
50:17account here to take a look at it. Look
50:19here at how the Pix landed. I'm here
50:21inside the Nubank account. Look here,
50:23it appeared under the name Nova Link
50:25Commerce Limitada and the amount landed
50:28. Here are the R $ 25. Everything is
50:30fine, like I told you, he said, if I
50:32want to send a Pix for a high amount,
50:34first you need to have it, I could come
50:36here and send a balance from another
50:38wallet of mine. I'm even going to send
50:39a balance from another wallet of mine
50:41here now, just so you can see how you
50:42would do a higher amount.
50:45Look there, done, you're seeing it here
50:46in my wallet now. I just sent R $
50:4811,100 here to this Swap wallet of mine
50:50. I took another Swap wallet of mine,
50:52where I have a real balance, and sent
50:54it directly here. Got it? I'll come
50:57here to the clock icon just so you can
50:59see this transaction. Click here on the
51:00clock icon. Look, it’s showing here
51:02as unconfirmed. Normally each
51:03confirmation takes one minute. So it
51:05needs two minutes to confirm the amount
51:07that was received. But alright, I
51:09already have this 11,100 BRL here and
51:11let's say I want to make a payment
51:12using 11,100 BRL. I come here to the
51:15flow, okay? I click here on send Pix, I
51:18enter the Pix key of whoever I want to
51:21receive it. I'll put an amount of 1,000
51:24BRL here so you can see exactly how it
51:27looks. Then it will say here, see,
51:311,000 BRL, total to send is 1,019.01
51:34BRL, right? The fee is here, it will
51:36already show the fee applied with the
51:38discount. Your fee won't be 5%, it will
51:42be 1.89%, which is the discount for
51:44using the "blindado" coupon inside the
51:47Flow. Okay? Click here on send Pix.
51:51Send Pix. First thing up here, copy
51:54address. Come here to the site, click
51:58on Pix and click on send. Allow paste.
52:03You are pasting that address so you can
52:06trigger the Pix. Look here, everything
52:09okay? Ends with FMZD. Ends with FMZD.
52:14After a while, handsome, you'll realize
52:15that, oops, you have to click on it to
52:17release it. After a while, handsome,
52:20you'll realize it becomes so easy that
52:21you'll be doing this with your eyes
52:23closed. Let's remember the value
52:251019.01. 1019.01. Okay? Click on review
52:32. It will show this screen here for you
52:35. You reviewed it and click on send.
52:38Done, you just made a transaction. How
52:41much will land directly in the account?
52:431,000 BRL will land in the account now.
52:46I want to do a higher amount, Elide. Up
52:48to 6,000 BRL per person you want, you
52:50can send. Eli, I want to make 10
52:52payments of 6,000 now. You can, you can
52:54. I want to make 1,000 payments of
52:566,000 now. You can, as long as it's to
52:59different people, whether it's an
53:01individual or a different legal entity.
53:04Is that right? Ah, Lid, but I want to
53:06send one to the guy's Nubank, another
53:08to the same guy's Banco do Brasil. This
53:11guy has a limit of 6,000 per day,
53:13alright? It doesn't matter if he's
53:15sending to a Nubank, Mercado Pago,
53:17Banco do Brasil, Santander, Itaú
53:18account, whatever, it doesn't matter.
53:20Okay? This will work the same way. Did
53:23it say here how it works? It will
53:25identify the payment shortly, it will
53:27begin the process, it will process and
53:29execute this payment. Can I leave this
53:31screen? You can. Whenever you want, you
53:34can leave, even close it right here,
53:36see? There you go. If you want, you can
53:38go back to the home screen. It stays
53:40right here, running in the background
53:42as pending. It will perform the
53:43processing. How long until the Pix hits
53:45for the guy, Elídio? In 3 to 4 minutes
53:47it will be there. Usually three. I'm
53:49giving an extra minute because some
53:50people are anxious. So I say: "No, give
53:52it an extra minute so the guy stays
53:53calm." He said: "What if it doesn't hit
53:55in 3 or 4 minutes?" And I need this
53:58payment urgently, you come here, click
54:00down here in the bottom right corner on
54:02"more," then come here, scroll the
54:04screen and click here: talk to support,
54:06and those guys will help you. My
54:08suggestion is, I make it pay, I
54:10actually don't really use this, because
54:12the one who really spends money is my
54:14wife. My wife is the one who keeps her
54:16little Theflow account, and she has a
54:18side swap, she stays there using it,
54:19because my job is to receive, her job
54:21is to spend. That's the truth here at
54:23home. But I usually leave a little side
54:25swap with her and she keeps the deflow
54:27and she keeps sending a ton of payments
54:29, and I keep processing the receipts
54:31for the things I do in life. All right,
54:33Elí? Want to pay a bill? Come down
54:35here, click on "bill" and you can pay
54:37the bill. You just need to paste the
54:39bill line. Elídio, is it more
54:41expensive? The bill fee is 3%, there's
54:43a minimum of R $ 20 up to a maximum of
54:45R $ 20,000. Can we do amounts higher
54:48than 20,000, Elídio? Yes. You go to
54:51the whale desk and open an order,
54:53alright? I want to do an amount now,
54:56for a bill that is due today. It won't
54:59work out, I'm telling you right now. It
55:01won't work out. Hey, pay attention.
55:03Bills will be processed on business
55:05days, from 8 AM to 6 PM. Bills due in
55:09less than one business day will not be
55:11accepted, okay? If it's for today's due
55:14date, it won't go through. It needs at
55:16least 24 hours here. Why? Why? For one
55:19reason. Because this payment process
55:21involves the boleto being issued and
55:23triggered. It needs at least 24 hours.
55:26Got it? So, if I want to pay a boleto,
55:28and it expires today, it won't work. It
55:31has to be at least a boleto that
55:32expires tomorrow night. Then it's fine,
55:34it's all good, you can input it. Go
55:37back here to the home button. Next
55:39thing you need to see, handsome. Let's
55:40go. My links. I want to send a
55:43fixed-amount charge to someone. I sold
55:45a product or did a service or I want
55:47someone to send me a payment or
55:48whatever the hell you have in mind.
55:51Click on this "my links" button. And
55:53here you create a new link. Click here,
55:55look. New link. Oh, I sold a I don't
56:00know, I don't know what you do for a
56:01living. I'll just put anything here.
56:03Some glasses, right? Pix amount, 325
56:07BRL there. But I don't sell glasses
56:09that expensive. But I felt like selling
56:10expensive glasses. And here, who pays
56:13the Theflow fee is the customer
56:15themselves, who is the end client, or
56:17do I cover this fee myself. That's up
56:20to you, right? So you set it, because
56:23if it's 325 and you want the customer
56:25to pay the Theflow fee, set it to the
56:27customer, otherwise you pay it yourself
56:29. If you want to send a description, ah
56:33, watch this and that, glasses, this
56:35and that, generate all of this and you
56:38click here, generate link, copy the
56:40link and send it to the person. But
56:44what if I want to send a link without a
56:46specific amount? You can come here, see
56:49, if you want, click here on charge.
56:51And you send this charge to the person,
56:53copy this little link here, then the
56:55person opens that link on their phone
56:57and they enter the amount, and the
56:59amount shows up for you. Some people
57:01receive donations this way. So, for
57:02example, the guy wants to receive a
57:04donation but doesn't want to set a
57:05specific amount. Then the guy goes
57:06there and puts this in. It's because
57:08there are all kinds of things, all
57:10kinds of situations you will run into
57:12with this. What did we get here, look.
57:14Let's go. It's still showing as pending
57:18here. Withdrawal being sent. It's still
57:21processing the withdrawal. All right,
57:22in a little bit it will show up. Done,
57:24withdrawal sent. Look here, see. It
57:25just appeared. Withdrawal sent. It
57:27doesn't take more than 4 minutes. All
57:29set, handsome. So, so you don't have a
57:31heart attack, let's pretend it's 5
57:32minutes. Alright? There we go, all good
57:35. It's about how the whale desk works,
57:37in case I want to receive a higher
57:39amount or make a payment for a higher
57:41amount. Click here, look, on "Whale
57:44Desk", okay? Oh, look at that, I said
57:46at the beginning of the video it was "
57:48Whale Desk" because I didn't remember
57:50how this view looked. Not the last time
57:52, but when I looked at this before, it
57:54was labeled as "Whale Desk", but now it
57:56says "Whale Desk". Easier, right? Or it
57:59was supposed to be, I don't know, high
58:00values and the symbol being a whale. It
58:04just opens up possibilities for so many
58:06things. Look here, Pix deposit to
58:10crypto. Or, ah, El, I want to make a
58:13withdrawal of a higher amount. I want
58:14to send a withdrawal now of 20,000,
58:1712,000, 50,000, 100,000, 200,000,
58:19500,000, 1.5 million, 1.2 million, 2
58:21million, 5 million. I think the
58:23operational cap is 1 million dollars.
58:26So that's about 5.15 more or less,
58:30depending on the dollar exchange rate,
58:325.15 million that you can send per
58:33transaction. Ah, I need a higher amount
58:36. Then you will do the following, you
58:38will come down here, talk to my team,
58:40and then I will talk to you and guide
58:41you, alright? I won't put that in the
58:44video so I don't get any headaches.
58:46Amount in reais that you want to
58:48receive. Do you want to receive it?
58:49Enter it in reais. And then you choose
58:51how you want to receive it. Ah, I want
58:52to receive it via Pix. Ah, I want to
58:54receive it in USDT. I want to do all of
58:55this. Ah, I want to withdraw. Put what
58:58you are sending, which network you are
59:01sending from, and how much will land
59:03there. And down here you will put the
59:06description of the operation. Describe
59:08the operation, explain the origin of
59:10the funds, the purpose, everything nice
59:12and neat. If you need to attach any
59:15kind of proof, include your contact
59:17info, alright? And then you create an
59:20order and you can execute this order
59:21calmly, and the team will execute it
59:23for you, Lídio, but I don't want to
59:25start by executing large orders right
59:27away. So start slowly, get to know it,
59:29get to know who the people behind it
59:30are, the seriousness of the business,
59:32and then you gain the confidence to do
59:33it. It's as simple as that; you can
59:36easily handle small amounts, large
59:38amounts, and receive them without a
59:39single cent passing through your bank
59:41account. I personally use this for a
59:43ton of things I do, for payments I
59:45receive and for transfers I make in my
59:47day-to-day life. If you don't want your
59:50money passing through your bank account
59:52or a third-party bank account—which
59:53is actually much better than using a
59:55straw man account and getting screwed
59:57later—you aren't doing anything wrong
59:58here. The person is simply taking an
1:00:02amount, buying Pix, and sending it to
1:00:04you. Elid, does Pix generate taxes? No.
1:00:10Why? Because it has a stable value in
1:00:13reais; taxes are generated by things
1:00:14that have capital gains. Alright,
1:00:18Elídio, if I receive payment through
1:00:20the flow, am I still required to issue
1:00:22an invoice to my client under the laws
1:00:24of the country I live in? Yes. Got it?
1:00:29The only thing you need to understand
1:00:30is that when you receive money this way
1:00:32, you don't have something called a
1:00:33taxable event, which is someone
1:00:34pointing out that you definitely
1:00:36received a payment. But as for your tax
1:00:39filings, obviously you know what your
1:00:41responsibilities are in the country you
1:00:43live in, right? So that's up to you,
1:00:47you already know what you have to do,
1:00:49which is obviously to bow down to what
1:00:52the state wants, right? But they don't
1:00:54know you're receiving these amounts
1:00:56here. And this amount lands in your
1:00:58self-custody with confidential assets
1:00:59and confidential transactions. No one
1:01:01can take it away from you. If you want,
1:01:04you can convert it to crypto dollars
1:01:05and send it to your card. You can
1:01:06convert it to liquid Bitcoin and then
1:01:08do a peg-out in Bitcoin and send it to
1:01:10your card as well. Or you send it to
1:01:11your self-custody and no one can mess
1:01:13with you. It's a way for you to
1:01:15accumulate more crypto, more Bitcoin. I
1:01:17don't even like the word "crypto," but
1:01:19most people watching me don't
1:01:20understand Bitcoin. That's why I have
1:01:23to use this vocabulary like, "oh,
1:01:25crypto this and that." No, there’s
1:01:27the crypto dollar which is useful,
1:01:29there’s the crypto real which is
1:01:30Thepix, which is useful, there’s
1:01:31Bitcoin which is perfect, which is a
1:01:33wonderful thing, but you aren’t
1:01:34obligated to understand this the way I
1:01:35do, all right? This is something that
1:01:38you will naturally understand over time
1:01:39, that Bitcoin is superior money, but
1:01:41it’s not appropriate for me to talk
1:01:42about that in this video. Alright,
1:01:45handsome. I think I’ve covered all
1:01:46the points. They have this subscription
1:01:48button, in case you want to lower your
1:01:50fee right away, so this possibility is
1:01:52already here for you. So here you’ll
1:01:55have all the details of your fees. Oh,
1:01:58Lídio, I want to do it for, say, a
1:02:01month, I pay 249 and my deposit fee
1:02:04becomes 0.45%. My withdrawal fee above
1:02:08R $ 100 becomes 1.59%, okay? I have a
1:02:11higher volume, so I want a lower value.
1:02:15Fees, for example, this one at 449 per
1:02:16month, you aren't paying anything here,
1:02:18you're only paying the fee in this
1:02:19model. But if you want a model where
1:02:22you set a fixed amount that you pay to
1:02:24have a lower fee right from the start,
1:02:26there’s this right here. In the first
1:02:29month, Pix deposit is 0%up to R $
1:02:32100,000. Above that, the fee is 0.29%.
1:02:36Withdrawal above R $ 100 becomes 1.49%.
1:02:38Withdrawal below R $ 100 becomes a
1:02:40fixed R $ 3. Oh, I want to do that for
1:02:42a 12-month plan. There, done. And then,
1:02:44well, it lowers the values, right? At
1:02:47the beginning you’ll get to know it,
1:02:48you’ll start running it, you’ll
1:02:50start to like it, and then over time
1:02:51you’ll want to use it more. Look, the
1:02:53withdrawal is already finished,
1:02:54everything is running perfectly. It
1:02:56seems difficult at first, but it’s
1:02:58very worth it. Your doubts will be at
1:03:01the beginning, on the first day, on the
1:03:02second day. By the third day you’ll
1:03:05be running smoothly. By the fourth day
1:03:06you’ll be running smoothly. Don't
1:03:08forget what I told you. The headache
1:03:09you might have with this is what?
1:03:11It’s simply writing down the
1:03:14person’s CPF, entering the wrong CPF,
1:03:17or entering the wrong CNPJ. My
1:03:19suggestion, okay? I know this is kind
1:03:23of annoying for someone who is
1:03:24receiving payments, but if the guy
1:03:26enters his tax ID wrong, the money will
1:03:29bounce back and I need to be 100%honest
1:03:31with you. It will go back to the person
1:03:34who sent it, all right? What is good
1:03:36for you to have? It is good to check
1:03:38and see if that amount has already
1:03:40landed automatically for you. After the
1:03:42first six deposits, it’s smooth
1:03:44sailing and it will just drop
1:03:45automatically. The guy sends the
1:03:46payment, and it will ping automatically
1:03:48for you. If it doesn't ping
1:03:49automatically, man, just call support
1:03:51and say: "Hey, it didn't ping
1:03:53automatically.""It’s likely that this
1:03:55person didn't enter the correct tax ID
1:03:57from where they sent it." I'll give you
1:03:59an example. I want to do a thing like
1:04:01this myself. I want to send a payment
1:04:03from my personal account or from my
1:04:05business account, whatever, something
1:04:06like that. The guy is going to send a
1:04:08payment there and gets confused. Opens
1:04:10the business account, opens the
1:04:12personal account, opens someone else's
1:04:13account, whatever, and sends it wrong.
1:04:16That is something that can indeed
1:04:17happen, but then it's up to you to know
1:04:19, man, I am receiving these payments.
1:04:22Who is the person paying me, what's
1:04:23their phone number, that kind of
1:04:25situation. Because if by chance the guy
1:04:27sent the payment and it didn't hit
1:04:29right away, it's because that amount
1:04:30will be refunded to them and they can
1:04:32send it back to you, all right? I'm
1:04:34being very frank here. This is going to
1:04:36be very good for you. Learn it, use it,
1:04:38it's a cool thing. You can even set it
1:04:40up for other employees. For example, I
1:04:42have a company and I want to grant
1:04:44access to other employees. It's right
1:04:45here, sub-accounts. Here in
1:04:46sub-accounts, you can provide accounts
1:04:48to your employees. You have to upload
1:04:50the accounts here inside Theflow and
1:04:52all of them will land directly in your
1:04:53account, because the person will use
1:04:55them to collect payments in various
1:04:57places. So this is a really cool
1:04:58solution for you. Alright, handsome.
1:05:00Handsome, let's go. Want to learn how
1:05:02to use this? Go back and follow it step
1:05:04by step. Feeling suspicious, man? Wait
1:05:08for the second payment to land after 24
1:05:09hours and then you make a third payment
1:05:11. Wait for it to land after 24 hours,
1:05:13do a Pix, just start slowly. Hey, I'm
1:05:14comfortable, I want to run it. And you
1:05:16can just go for it and get it running.
1:05:18Use the "blindado" coupon there and it
1:05:19will be cheaper for you. The fee,
1:05:20you'll be able to run it, it's going to
1:05:22be much easier for you. "I want to
1:05:23learn how to spend on the card."
1:05:24There's also a video here on my YouTube
1:05:26where I show how you record on the card
1:05:28, but you have to go there, sit your
1:05:29ass down, and watch it to learn how it
1:05:31works. Alright? One thing I almost
1:05:33forgot that is extremely important,
1:05:35don't forget, if for any reason the
1:05:37Theflow team eventually contacts you to
1:05:39ask what you work with to understand,
1:05:41you can show them with peace of mind.
1:05:44They are very serious people. They
1:05:45don't expose your data to absolutely
1:05:47anyone. Their structure is based
1:05:48outside of Brazil, alright? And this
1:05:51structure's goal is simply to not make
1:05:53it easy for people who are looking to
1:05:55use the platform to scam good people
1:05:57who are simply living their lives,
1:05:58alright? So you can rest easy, get to
1:06:01know their structure. Also, if you
1:06:04already follow me on Instagram or
1:06:05through other channels, you already
1:06:06know them, because I usually show who
1:06:07the people behind it are, so you can go
1:06:08ahead and show them. Say, "No, man,
1:06:11everything I run here is legit, all
1:06:12squared away." If you want, I think
1:06:14they have a WhatsApp group where people
1:06:16clear up doubts and chat, you can join
1:06:17the groups they offer, alright,
1:06:19handsome? If you have any questions,
1:06:21you can leave them down here in the
1:06:22comments. In the description of this
1:06:24video, there's the link for Theflow,
1:06:26links to other platforms as well,
1:06:27there's a coupon for you to use, and a
1:06:29link to learn how to use the crypto
1:06:30card, so you can take the balances that
1:06:32land in your site swap, load them
1:06:33directly onto the crypto card, and
1:06:35spend at will. So look, handsome, just
1:06:37start, just dive in, you'll master this
1:06:39, it'll be easy for you. After a while,
1:06:41you'll see how obvious this all was,
1:06:43and you'll want to attract others to
1:06:44start using it too. Thank you for your
1:06:46time, thank you for your trust. God
1:06:47bless you. If you have any questions,
1:06:48send them below. There's also my team's
1:06:50phone number, okay? My team members,
1:06:52they can answer your questions about
1:06:54any situation. If you want to have a
1:06:56consultation with me, I'll see if I can
1:06:57also put the site for my consulting
1:06:59services down here. Normally, the price
1:07:01of my consultation is higher; it costs
1:07:02R $ 10,000 today to have a consultation
1:07:04with me. I'll follow you for three days
1:07:06to help make this operation of yours
1:07:08viable. But I think you should watch
1:07:10the video; you don't need to pay me a
1:07:11damn thing for that. Alright? Thanks,
1:07:13handsome. See you next time.

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