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    <title>Swapo Finance Blog</title>
    <link>https://swapofinance.com/en/blog/</link>
    <description>News, analysis and guides on crypto regulation, security, stablecoins, the TRON network, Pix, FX and international payments, by the Swapo editorial team.</description>
    <language>en-US</language>
    <lastBuildDate>Tue, 03 Nov 2026 12:55:00 GMT</lastBuildDate>
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      <title>Swapo Finance Blog</title>
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    <item>
      <title>Mercado Bitcoin hack: $11.2 million frozen, withdrawals halted and pledge to cover customer losses</title>
      <link>https://swapofinance.com/en/blog/mercado-bitcoin-hack-withdrawals-halted-11-million-frozen/</link>
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      <pubDate>Tue, 03 Nov 2026 12:55:00 GMT</pubDate>
      <dc:creator>Swapo editorial team</dc:creator>
      <category>Security</category>
      <description>The main withdrawals in the Mercado Bitcoin hack occurred early on Nov. 2 across at least ten networks. The exchange says it froze $11.2 million and promises no customer will lose assets. Deposits and withdrawals remain suspended, with no date for resumption.</description>
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    <item>
      <title>Binance hack: more asset withdrawals reopen Nov. 3 as company says it has covered 95% of losses</title>
      <link>https://swapofinance.com/en/blog/binance-hack-more-withdrawals-reopen-reserves-north-korea/</link>
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      <pubDate>Tue, 03 Nov 2026 12:33:46 GMT</pubDate>
      <dc:creator>Swapo editorial team</dc:creator>
      <category>Security</category>
      <description>Binance reopened withdrawals for more assets and networks Tuesday (3), five days after the estimated US$ 6.3 billion hack. USDT on TRON was already in the first phase, on Nov. 1. The FBI blames North Korea, which denies responsibility.</description>
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    <item>
      <title>Swapo Finance files SPSAV application with Central Bank, joining Binance, Mercado Bitcoin, Itaú and Nubank</title>
      <link>https://swapofinance.com/en/blog/swapo-finance-files-spsav-application-central-bank-brazil/</link>
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      <pubDate>Mon, 02 Nov 2026 21:16:28 GMT</pubDate>
      <dc:creator>Swapo editorial team</dc:creator>
      <category>Regulation</category>
      <description>Application filed on October 29, 2026, within the deadline set by BCB Resolution No. 520. Swapo joins the group of companies seeking authorization to operate virtual assets in Brazil under Central Bank rules, alongside the world's largest exchanges and Brazil's largest banks.</description>
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    <item>
      <title>How to tell if a crypto broker or intermediary applied for Central Bank authorization: where to check and red flags</title>
      <link>https://swapofinance.com/en/blog/how-to-check-crypto-broker-applied-central-bank-authorization/</link>
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      <pubDate>Mon, 02 Nov 2026 21:16:28 GMT</pubDate>
      <dc:creator>Swapo editorial team</dc:creator>
      <category>Practical guides</category>
      <description>Ten days remain until the October 30 deadline. Before sending money, a client can check a virtual asset provider's regulatory status using what the rule itself requires it to show and the Central Bank's notices.</description>
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    <item>
      <title>BCB Resolution 589: From Nov. 6, Banks Cannot Support Operations With Crypto Providers Lacking Authorization</title>
      <link>https://swapofinance.com/en/blog/bcb-resolution-589-banks-unauthorized-crypto-providers/</link>
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      <pubDate>Mon, 02 Nov 2026 21:16:28 GMT</pubDate>
      <dc:creator>Swapo editorial team</dc:creator>
      <category>Regulation</category>
      <description>The September 23 rule removed from Article 91 the carve-out for providers &quot;in the authorization process&quot; and moved the ban to November 6. Here is what the official text says and what customers should check.</description>
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    <item>
      <title>Coinext, NovaDAX and Digitra.com end retail crypto in Brazil ahead of the BCB deadline: what to do with your balance</title>
      <link>https://swapofinance.com/en/blog/exchanges-exit-brazil-retail-crypto-bcb-deadline/</link>
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      <pubDate>Mon, 02 Nov 2026 21:16:28 GMT</pubDate>
      <dc:creator>Swapo editorial team</dc:creator>
      <category>Regulation</category>
      <description>Three exchanges announced the end of service to individuals in Brazil under the Central Bank's rules. Withdrawal deadlines vary, and any balance left in the account may be converted into reais automatically.</description>
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    <item>
      <title>Brazil's Central Bank got only five crypto authorization applications 40 days before the deadline, and one was denied</title>
      <link>https://swapofinance.com/en/blog/central-bank-brazil-five-crypto-authorization-applications/</link>
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      <pubDate>Mon, 02 Nov 2026 21:16:28 GMT</pubDate>
      <dc:creator>Swapo editorial team</dc:creator>
      <category>Regulation</category>
      <description>By mid-September 2026, only five companies had filed an authorization application with the Central Bank of Brazil, according to Valor Econômico. Four remain under evaluation and one was denied. What happens to those who do not apply by October 30, and what customers should do.</description>
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    <item>
      <title>Accounting for USDT supplier payments: what to record, which documents to keep and what Brazil's tax authority asks</title>
      <link>https://swapofinance.com/en/blog/accounting-supplier-payment-usdt/</link>
      <guid isPermaLink="true">https://swapofinance.com/en/blog/accounting-supplier-payment-usdt/</guid>
      <pubDate>Mon, 02 Nov 2026 21:16:28 GMT</pubDate>
      <dc:creator>Swapo editorial team</dc:creator>
      <category>Practical guides</category>
      <description>Paying a foreign supplier in USDT creates its own paper trail: reais, exchange rate, hash and supplier document. See what to keep, what Brazil's tax authority already requires and what still needs an accountant's opinion.</description>
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    </item>
    <item>
      <title>Buying USDT to pay a supplier: P2P, exchange, OTC desk or intermediary, and what changes with each route</title>
      <link>https://swapofinance.com/en/blog/buy-usdt-p2p-exchange-otc-desk-or-intermediary/</link>
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      <pubDate>Mon, 02 Nov 2026 21:16:28 GMT</pubDate>
      <dc:creator>Swapo editorial team</dc:creator>
      <category>Comparisons</category>
      <description>P2P, exchanges, OTC desks and intermediaries solve the same problem in different ways. See what each route requires, where the risks are and what the Central Bank of Brazil rules in force since February changed.</description>
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    </item>
    <item>
      <title>Crypto attacks in the first half of 2026: US$1.3 billion lost, Drift and Kelp DAO, and the patterns behind them</title>
      <link>https://swapofinance.com/en/blog/crypto-attacks-first-half-2026-certik-drift-kelp-dao/</link>
      <guid isPermaLink="true">https://swapofinance.com/en/blog/crypto-attacks-first-half-2026-certik-drift-kelp-dao/</guid>
      <pubDate>Mon, 02 Nov 2026 21:16:28 GMT</pubDate>
      <dc:creator>Swapo editorial team</dc:creator>
      <category>Security</category>
      <description>Two April attacks, on Drift and Kelp DAO, made up almost 44% of the half-year's losses. CertiK's report shows wallet compromise and social engineering lead the damage.</description>
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    <item>
      <title>DeCripto: the Federal Revenue Service's new crypto-asset declaration takes effect on July 1, 2026</title>
      <link>https://swapofinance.com/en/blog/decripto-brazil-crypto-asset-reporting-july-2026/</link>
      <guid isPermaLink="true">https://swapofinance.com/en/blog/decripto-brazil-crypto-asset-reporting-july-2026/</guid>
      <pubDate>Mon, 02 Nov 2026 21:16:28 GMT</pubDate>
      <dc:creator>Swapo editorial team</dc:creator>
      <category>Regulation</category>
      <description>RFB Normative Instruction 2,291/2025 replaces the crypto-asset declaration created in 2019 with a model aligned to the OECD standard. What changes for providers, companies and individuals starting Wednesday.</description>
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    </item>
    <item>
      <title>Documents to pay an overseas supplier with USDT: what to gather before the transaction</title>
      <link>https://swapofinance.com/en/blog/documents-pay-overseas-supplier-usdt/</link>
      <guid isPermaLink="true">https://swapofinance.com/en/blog/documents-pay-overseas-supplier-usdt/</guid>
      <pubDate>Mon, 02 Nov 2026 21:16:28 GMT</pubDate>
      <dc:creator>Swapo editorial team</dc:creator>
      <category>Practical guides</category>
      <description>Since 2026, paying an overseas supplier with a stablecoin is a foreign exchange operation, and the provider asks for the purpose and the recipient's details. What your company should have on hand before sending.</description>
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    </item>
    <item>
      <title>USDT or USDC: issuer, reserves, regulation and networks compared for international payments</title>
      <link>https://swapofinance.com/en/blog/usdt-vs-usdc-stablecoin-comparison-international-payments/</link>
      <guid isPermaLink="true">https://swapofinance.com/en/blog/usdt-vs-usdc-stablecoin-comparison-international-payments/</guid>
      <pubDate>Mon, 02 Nov 2026 21:16:28 GMT</pubDate>
      <dc:creator>Swapo editorial team</dc:creator>
      <category>Comparisons</category>
      <description>Two digital dollars, two issuers and two reserve designs. The public data on each, side by side, with source and date, with no scoring and no ranking.</description>
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    </item>
    <item>
      <title>Stablecoins in the FX market: what took effect on May 4, 2026 under BCB Resolution 521</title>
      <link>https://swapofinance.com/en/blog/stablecoins-fx-market-may-4-bcb-resolution-521/</link>
      <guid isPermaLink="true">https://swapofinance.com/en/blog/stablecoins-fx-market-may-4-bcb-resolution-521/</guid>
      <pubDate>Mon, 02 Nov 2026 21:16:28 GMT</pubDate>
      <dc:creator>Swapo editorial team</dc:creator>
      <category>International payments</category>
      <description>The second phase of BCB Resolution 521 took effect on May 4, 2026: the purpose of the payment, data on the payer or recipient abroad, and monthly reporting of information to the Central Bank of Brazil.</description>
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    </item>
    <item>
      <title>How to validate your supplier's TRC-20 wallet before paying in USDT: format, second channel and test transfer</title>
      <link>https://swapofinance.com/en/blog/validate-supplier-trc20-wallet-before-paying-usdt/</link>
      <guid isPermaLink="true">https://swapofinance.com/en/blog/validate-supplier-trc20-wallet-before-paying-usdt/</guid>
      <pubDate>Mon, 02 Nov 2026 21:16:28 GMT</pubDate>
      <dc:creator>Swapo editorial team</dc:creator>
      <category>Practical guides</category>
      <description>A transfer confirmed on the blockchain does not come back. Before sending the full amount, check the TRC-20 address format, confirm it through a second channel, test with a small amount and distrust addresses copied from your history.</description>
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    </item>
    <item>
      <title>Bank, FX broker, global account or USDT: a comparison for paying an overseas supplier</title>
      <link>https://swapofinance.com/en/blog/pay-overseas-supplier-bank-broker-global-account-usdt/</link>
      <guid isPermaLink="true">https://swapofinance.com/en/blog/pay-overseas-supplier-bank-broker-global-account-usdt/</guid>
      <pubDate>Mon, 02 Nov 2026 21:16:28 GMT</pubDate>
      <dc:creator>Swapo editorial team</dc:creator>
      <category>Comparisons</category>
      <description>Four paths take a Brazilian company's money to a supplier abroad, each with a different cost, timeline and paperwork. See the public data side by side, with no ranking of the paths, and the questions that help you decide.</description>
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    </item>
    <item>
      <title>How to pay a supplier in China with USDT: step by step, documents and precautions</title>
      <link>https://swapofinance.com/en/blog/pay-china-supplier-with-usdt-step-by-step-guide/</link>
      <guid isPermaLink="true">https://swapofinance.com/en/blog/pay-china-supplier-with-usdt-step-by-step-guide/</guid>
      <pubDate>Mon, 02 Nov 2026 21:16:28 GMT</pubDate>
      <dc:creator>Swapo editorial team</dc:creator>
      <category>Practical guides</category>
      <description>Paying in USDT does not remove the rigor of an international payment: invoice, beneficiary details, wallet verification and receipt. See the eight-step roadmap, from the agreement with the supplier to keeping the documents.</description>
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    </item>
    <item>
      <title>USDT on TRON tops US$85 billion: the record, the race with Ethereum and the concentration risk</title>
      <link>https://swapofinance.com/en/blog/usdt-on-tron-tops-85-billion-record-ethereum-concentration-risk/</link>
      <guid isPermaLink="true">https://swapofinance.com/en/blog/usdt-on-tron-tops-85-billion-record-ethereum-concentration-risk/</guid>
      <pubDate>Mon, 02 Nov 2026 21:16:28 GMT</pubDate>
      <dc:creator>Swapo editorial team</dc:creator>
      <category>TRON network</category>
      <description>A new US$1 billion issuance took USDT on TRON to a record US$85.3 billion, and news that the network overtook Ethereum spread through the market. The answer depends on who is measuring, and size also brings risk.</description>
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    </item>
    <item>
      <title>USDT on TRON, Ethereum or Solana: Comparing Fees, Confirmation Time and Supply by Network</title>
      <link>https://swapofinance.com/en/blog/usdt-tron-ethereum-solana-fees-confirmation-comparison/</link>
      <guid isPermaLink="true">https://swapofinance.com/en/blog/usdt-tron-ethereum-solana-fees-confirmation-comparison/</guid>
      <pubDate>Mon, 02 Nov 2026 21:16:28 GMT</pubDate>
      <dc:creator>Swapo editorial team</dc:creator>
      <category>Comparisons</category>
      <description>The same USDT circulates on several networks, with different costs and timing. See the public figures for TRON, Ethereum and Solana on February 23, 2026 and what matters when choosing the network for a payment.</description>
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    </item>
    <item>
      <title>Pix MED 2.0 has been mandatory since February 2: what changes in recovering money lost to scams</title>
      <link>https://swapofinance.com/en/blog/pix-med-2-mandatory-scam-refunds/</link>
      <guid isPermaLink="true">https://swapofinance.com/en/blog/pix-med-2-mandatory-scam-refunds/</guid>
      <pubDate>Mon, 02 Nov 2026 21:16:28 GMT</pubDate>
      <dc:creator>Swapo editorial team</dc:creator>
      <category>Security</category>
      <description>Since February 2, 2026, every institution that operates Pix must follow the new Special Refund Mechanism. Scam money is now tracked beyond the first account, but recovery still depends on balance and speed.</description>
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    </item>
    <item>
      <title>Central Bank of Brazil's crypto rules take effect: what applies since February 2, 2026 and what is still coming</title>
      <link>https://swapofinance.com/en/blog/central-bank-crypto-rules-take-effect-feb-2-2026/</link>
      <guid isPermaLink="true">https://swapofinance.com/en/blog/central-bank-crypto-rules-take-effect-feb-2-2026/</guid>
      <pubDate>Mon, 02 Nov 2026 21:16:28 GMT</pubDate>
      <dc:creator>Swapo editorial team</dc:creator>
      <category>Regulation</category>
      <description>Since Monday (Feb. 2), virtual asset service providers must follow the Central Bank of Brazil's rules. Those already operating have 270 days to apply for authorization, and part of the foreign exchange rules only applies from May 4.</description>
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    </item>
    <item>
      <title>Tether launches USAT in the United States: what Anchorage's stablecoin is and how it differs from USDT</title>
      <link>https://swapofinance.com/en/blog/tether-launches-usat-us-stablecoin-anchorage/</link>
      <guid isPermaLink="true">https://swapofinance.com/en/blog/tether-launches-usat-us-stablecoin-anchorage/</guid>
      <pubDate>Mon, 02 Nov 2026 21:16:28 GMT</pubDate>
      <dc:creator>Swapo editorial team</dc:creator>
      <category>Stablecoins</category>
      <description>The issuer of USDT debuted, on January 27, 2026, a second dollar stablecoin aimed at the US market. USDT remains the currency of global use, including international payments.</description>
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    </item>
    <item>
      <title>T3 Financial Crime Unit: Tether, TRON and TRM Labs froze US$300 million in USDT; what changes for those who receive it</title>
      <link>https://swapofinance.com/en/blog/t3-financial-crime-unit-tether-tron-trm-usdt-freeze/</link>
      <guid isPermaLink="true">https://swapofinance.com/en/blog/t3-financial-crime-unit-tether-tron-trm-usdt-freeze/</guid>
      <pubDate>Mon, 02 Nov 2026 21:16:28 GMT</pubDate>
      <dc:creator>Swapo editorial team</dc:creator>
      <category>TRON network</category>
      <description>Created in 2024, the anti-fraud unit brings together the issuer of USDT, the TRON network and a blockchain analytics firm. See what it has frozen so far, how a freeze works and the care USDT recipients should take.</description>
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    </item>
    <item>
      <title>Crypto theft in 2025: US$3.4 billion, a North Korean record and the Bybit case in Chainalysis and CertiK data</title>
      <link>https://swapofinance.com/en/blog/crypto-theft-2025-north-korea-record-chainalysis-certik/</link>
      <guid isPermaLink="true">https://swapofinance.com/en/blog/crypto-theft-2025-north-korea-record-chainalysis-certik/</guid>
      <pubDate>Mon, 02 Nov 2026 21:16:28 GMT</pubDate>
      <dc:creator>Swapo editorial team</dc:creator>
      <category>Security</category>
      <description>Two December 2025 reports show a year among the worst for crypto theft, though it did not surpass 2022. The record belonged to North Korea, driven by the attack on Bybit.</description>
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    </item>
    <item>
      <title>The fake supplier scam: how business email compromise diverts payments and how to verify an account change</title>
      <link>https://swapofinance.com/en/blog/fake-supplier-scam-bank-details-change-bec/</link>
      <guid isPermaLink="true">https://swapofinance.com/en/blog/fake-supplier-scam-bank-details-change-bec/</guid>
      <pubDate>Mon, 02 Nov 2026 21:16:28 GMT</pubDate>
      <dc:creator>Swapo editorial team</dc:creator>
      <category>Security</category>
      <description>An email from the “supplier” asking for new payment details is one of the costliest scams against companies. See how the fraud works, the FBI numbers and a verification protocol to apply before paying.</description>
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    </item>
    <item>
      <title>S&amp;P downgrades USDT stability to 5, &quot;weak&quot;: what the agency flagged and how Tether responded</title>
      <link>https://swapofinance.com/en/blog/sp-downgrades-usdt-stability-assessment-weak/</link>
      <guid isPermaLink="true">https://swapofinance.com/en/blog/sp-downgrades-usdt-stability-assessment-weak/</guid>
      <pubDate>Mon, 02 Nov 2026 21:16:28 GMT</pubDate>
      <dc:creator>Swapo editorial team</dc:creator>
      <category>Stablecoins</category>
      <description>On November 26, 2025, S&amp;P Global Ratings placed USDT in the lowest band of its stability scale. Tether disputes the methodology and says its reserves exceed the amount issued.</description>
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    </item>
    <item>
      <title>BCB Resolution 521: international stablecoin payments become FX, with a US$100,000 limit and beneficiary data</title>
      <link>https://swapofinance.com/en/blog/bcb-resolution-521-stablecoin-payments-foreign-exchange-limit/</link>
      <guid isPermaLink="true">https://swapofinance.com/en/blog/bcb-resolution-521-stablecoin-payments-foreign-exchange-limit/</guid>
      <pubDate>Mon, 02 Nov 2026 21:16:28 GMT</pubDate>
      <dc:creator>Swapo editorial team</dc:creator>
      <category>International payments</category>
      <description>The Central Bank rule that brings virtual assets into the foreign exchange market changes what a provider may do and what the client must disclose when paying a foreign supplier. Here is the text, article by article.</description>
      <enclosure url="https://swapofinance.com/og/blog/en/resolucao-521-stablecoins-cambio-limite.jpg" type="image/jpeg" length="74715" />
    </item>
    <item>
      <title>Brazil's Central Bank publishes Resolutions 519, 520 and 521, setting the rules for virtual asset providers</title>
      <link>https://swapofinance.com/en/blog/bcb-resolutions-519-520-521-virtual-asset-providers/</link>
      <guid isPermaLink="true">https://swapofinance.com/en/blog/bcb-resolutions-519-520-521-virtual-asset-providers/</guid>
      <pubDate>Mon, 02 Nov 2026 21:16:28 GMT</pubDate>
      <dc:creator>Swapo editorial team</dc:creator>
      <category>Regulation</category>
      <description>The three rules, published on November 10, 2025, take effect on February 2, 2026 and give firms already operating 270 days to apply for authorization. Stablecoins in international payments become foreign exchange operations.</description>
      <enclosure url="https://swapofinance.com/og/blog/en/banco-central-resolucoes-519-520-521-cripto.jpg" type="image/jpeg" length="78301" />
    </item>
    <item>
      <title>Fake support and fake crypto recovery scams: how they work, FBI warnings and signs to recognize</title>
      <link>https://swapofinance.com/en/blog/fake-crypto-support-and-recovery-scams-fbi-warnings/</link>
      <guid isPermaLink="true">https://swapofinance.com/en/blog/fake-crypto-support-and-recovery-scams-fbi-warnings/</guid>
      <pubDate>Mon, 02 Nov 2026 21:16:28 GMT</pubDate>
      <dc:creator>Swapo editorial team</dc:creator>
      <category>Security</category>
      <description>People who fall for a cryptocurrency scam often receive, days later, an offer to get their money back. That is the second scam. See how both work, what the FBI warned and how to react.</description>
      <enclosure url="https://swapofinance.com/og/blog/en/golpe-falso-suporte-recuperacao-cripto.jpg" type="image/jpeg" length="52916" />
    </item>
    <item>
      <title>MP 1303 lapses and the flat 17.5% crypto tax falls: what applies to income tax now</title>
      <link>https://swapofinance.com/en/blog/mp-1303-lapses-crypto-flat-tax-17-5-percent-income-tax-brazil/</link>
      <guid isPermaLink="true">https://swapofinance.com/en/blog/mp-1303-lapses-crypto-flat-tax-17-5-percent-income-tax-brazil/</guid>
      <pubDate>Mon, 02 Nov 2026 21:16:28 GMT</pubDate>
      <dc:creator>Swapo editorial team</dc:creator>
      <category>Regulation</category>
      <description>The Chamber of Deputies pulled the provisional measure from the agenda by 251 votes to 193 and the text lapsed. As a result, taxation of crypto-asset gains follows the earlier rules, and the R$35,000 exemption on monthly sales remains.</description>
      <enclosure url="https://swapofinance.com/og/blog/en/mp-1303-tributacao-cripto-perde-validade.jpg" type="image/jpeg" length="54168" />
    </item>
    <item>
      <title>npm attack alters packages like chalk and debug to swap wallet addresses: what happened and how to protect yourself</title>
      <link>https://swapofinance.com/en/blog/npm-attack-chalk-debug-wallet-address-swap/</link>
      <guid isPermaLink="true">https://swapofinance.com/en/blog/npm-attack-chalk-debug-wallet-address-swap/</guid>
      <pubDate>Mon, 02 Nov 2026 21:16:28 GMT</pubDate>
      <dc:creator>Swapo editorial team</dc:creator>
      <category>Security</category>
      <description>On September 8, 2025, 18 npm packages were infected with code that rewrites the destination of crypto transfers. The criminals earned little, according to early reports, but the attack shows why the address must be checked outside the website's screen.</description>
      <enclosure url="https://swapofinance.com/og/blog/en/ataque-npm-malware-troca-endereco-carteira.jpg" type="image/jpeg" length="65826" />
    </item>
    <item>
      <title>Sinqia attack diverts R$710 million and Brazil's Central Bank caps Pix and TED at R$15,000 for unlicensed institutions</title>
      <link>https://swapofinance.com/en/blog/sinqia-attack-central-bank-pix-ted-cap-r-15000/</link>
      <guid isPermaLink="true">https://swapofinance.com/en/blog/sinqia-attack-central-bank-pix-ted-cap-r-15000/</guid>
      <pubDate>Mon, 02 Nov 2026 21:16:28 GMT</pubDate>
      <dc:creator>Swapo editorial team</dc:creator>
      <category>Security</category>
      <description>Two months after the C&amp;M Software case, a second Pix technology provider was breached through IT vendor credentials. On September 5, the Central Bank of Brazil answered with a R$15,000 per-transaction cap, minimum capital and mandatory authorization.</description>
      <enclosure url="https://swapofinance.com/og/blog/en/ataque-sinqia-banco-central-novas-regras.jpg" type="image/jpeg" length="63421" />
    </item>
    <item>
      <title>TRON Cuts the Energy Price From 210 to 100 sun: What a USDT Transfer Costs Now</title>
      <link>https://swapofinance.com/en/blog/tron-cuts-energy-price-210-to-100-sun-usdt-fee/</link>
      <guid isPermaLink="true">https://swapofinance.com/en/blog/tron-cuts-energy-price-210-to-100-sun-usdt-fee/</guid>
      <pubDate>Mon, 02 Nov 2026 21:16:28 GMT</pubDate>
      <dc:creator>Swapo editorial team</dc:creator>
      <category>TRON network</category>
      <description>The network cut the energy price for the second time in less than a year. A USDT transfer to a wallet that already holds the token goes from about 13.5 TRX to about 6.4 TRX when the fee is paid by burning TRX.</description>
      <enclosure url="https://swapofinance.com/og/blog/en/tron-reduz-preco-energia-taxa-usdt.jpg" type="image/jpeg" length="54741" />
    </item>
    <item>
      <title>Drex changes course: first delivery without blockchain, a focus on liens, and what it means for payments</title>
      <link>https://swapofinance.com/en/blog/drex-central-bank-changes-course-no-blockchain/</link>
      <guid isPermaLink="true">https://swapofinance.com/en/blog/drex-central-bank-changes-course-no-blockchain/</guid>
      <pubDate>Mon, 02 Nov 2026 21:16:28 GMT</pubDate>
      <dc:creator>Swapo editorial team</dc:creator>
      <category>International payments</category>
      <description>The first version of Drex, expected for the second half of 2026, will have no distributed ledger technology and no tokenization. Pix and stablecoins stay as they are.</description>
      <enclosure url="https://swapofinance.com/og/blog/en/drex-banco-central-muda-rumo.jpg" type="image/jpeg" length="70162" />
    </item>
    <item>
      <title>Tron Inc. debuts on Nasdaq with a TRX treasury strategy: what changes and what does not for those who use the network</title>
      <link>https://swapofinance.com/en/blog/tron-inc-nasdaq-trx-treasury-strategy/</link>
      <guid isPermaLink="true">https://swapofinance.com/en/blog/tron-inc-nasdaq-trx-treasury-strategy/</guid>
      <pubDate>Mon, 02 Nov 2026 21:16:28 GMT</pubDate>
      <dc:creator>Swapo editorial team</dc:creator>
      <category>TRON network</category>
      <description>The company linked to Justin Sun went public through a reverse merger and will accumulate TRX in its treasury. The network, its fees and TRC-20 USDT do not change because of it.</description>
      <enclosure url="https://swapofinance.com/og/blog/en/tron-inc-nasdaq-trx-tesouraria.jpg" type="image/jpeg" length="62254" />
    </item>
    <item>
      <title>IOF on FX: the decree back-and-forth, the Supreme Court ruling and the rates in force at the end of July 2025</title>
      <link>https://swapofinance.com/en/blog/iof-fx-supreme-court-rates-in-force-july-2025/</link>
      <guid isPermaLink="true">https://swapofinance.com/en/blog/iof-fx-supreme-court-rates-in-force-july-2025/</guid>
      <pubDate>Mon, 02 Nov 2026 21:16:28 GMT</pubDate>
      <dc:creator>Swapo editorial team</dc:creator>
      <category>International payments</category>
      <description>In two months, the IOF tax was raised by decree, overturned by Congress, suspended by the Supreme Court and restored almost in full. Here is what applies now to FX and corporate credit.</description>
      <enclosure url="https://swapofinance.com/og/blog/en/iof-cambio-stf-aliquotas-em-vigor.jpg" type="image/jpeg" length="69079" />
    </item>
    <item>
      <title>GENIUS Act: What the US Stablecoin Law Changes for USDT and for Anyone Paying Abroad</title>
      <link>https://swapofinance.com/en/blog/genius-act-us-stablecoin-law-usdt-impact/</link>
      <guid isPermaLink="true">https://swapofinance.com/en/blog/genius-act-us-stablecoin-law-usdt-impact/</guid>
      <pubDate>Mon, 02 Nov 2026 21:16:28 GMT</pubDate>
      <dc:creator>Swapo editorial team</dc:creator>
      <category>Stablecoins</category>
      <description>The first US federal stablecoin law requires full reserves and monthly reports. For USDT, issued outside the US, the route is the foreign issuer pathway, with a three-year deadline.</description>
      <enclosure url="https://swapofinance.com/og/blog/en/genius-act-lei-stablecoins-estados-unidos.jpg" type="image/jpeg" length="51129" />
    </item>
    <item>
      <title>The C&amp;M Software attack: what is known about the diversion of reserve accounts linked to Pix</title>
      <link>https://swapofinance.com/en/blog/cm-software-attack-pix-reserve-accounts/</link>
      <guid isPermaLink="true">https://swapofinance.com/en/blog/cm-software-attack-pix-reserve-accounts/</guid>
      <pubDate>Mon, 02 Nov 2026 21:16:28 GMT</pubDate>
      <dc:creator>Swapo editorial team</dc:creator>
      <category>Security</category>
      <description>Legitimate credentials from an IT operator were used to send transfers from reserve accounts at the Central Bank of Brazil. Police cite R$541 million; other estimates reached R$1 billion.</description>
      <enclosure url="https://swapofinance.com/og/blog/en/ataque-cm-software-pix-contas-reserva.jpg" type="image/jpeg" length="59201" />
    </item>
    <item>
      <title>Pix Automático: how recurring billing works for businesses, costs and differences from direct debit and boleto</title>
      <link>https://swapofinance.com/en/blog/pix-automatico-recurring-billing-businesses-costs/</link>
      <guid isPermaLink="true">https://swapofinance.com/en/blog/pix-automatico-recurring-billing-businesses-costs/</guid>
      <pubDate>Mon, 02 Nov 2026 21:16:28 GMT</pubDate>
      <dc:creator>Swapo editorial team</dc:creator>
      <category>International payments</category>
      <description>Starting June 16, the customer authorizes once and the company bills within the agreed limits. The payer pays no fee; the receiver depends on what the bank or provider charges.</description>
      <enclosure url="https://swapofinance.com/og/blog/en/pix-automatico-empresas-pagamentos-recorrentes.jpg" type="image/jpeg" length="49674" />
    </item>
    <item>
      <title>Brazil's crypto legal framework: what Law 14,478 already requires and what the Central Bank still has to regulate</title>
      <link>https://swapofinance.com/en/blog/crypto-legal-framework-law-14478-brazil/</link>
      <guid isPermaLink="true">https://swapofinance.com/en/blog/crypto-legal-framework-law-14478-brazil/</guid>
      <pubDate>Mon, 02 Nov 2026 21:16:28 GMT</pubDate>
      <dc:creator>Swapo editorial team</dc:creator>
      <category>Regulation</category>
      <description>In force since June 2023, the legal framework defined what a virtual asset is, required prior authorization and created new crimes. The operating rules, however, still depend on Central Bank of Brazil (BCB) regulations.</description>
      <enclosure url="https://swapofinance.com/og/blog/en/marco-legal-criptoativos-lei-14478.jpg" type="image/jpeg" length="52129" />
    </item>
    <item>
      <title>IOF increase on FX: what Decree 12,466 changes for importers and remittances abroad</title>
      <link>https://swapofinance.com/en/blog/iof-fx-increase-decree-12466-importers/</link>
      <guid isPermaLink="true">https://swapofinance.com/en/blog/iof-fx-increase-decree-12466-importers/</guid>
      <pubDate>Mon, 02 Nov 2026 21:16:28 GMT</pubDate>
      <dc:creator>Swapo editorial team</dc:creator>
      <category>International payments</category>
      <description>The government raised the IOF on foreign exchange, credit and insurance on May 22 and backtracked on two points the next day. For anyone paying a foreign supplier, the general remittance rate went from 0.38% to 3.5%.</description>
      <enclosure url="https://swapofinance.com/og/blog/en/aumento-iof-cambio-2025-importadores.jpg" type="image/jpeg" length="71513" />
    </item>
    <item>
      <title>Coinbase discloses data breach caused by bribed support agents and refuses to pay US$20 million ransom</title>
      <link>https://swapofinance.com/en/blog/coinbase-data-breach-support-agent-bribery/</link>
      <guid isPermaLink="true">https://swapofinance.com/en/blog/coinbase-data-breach-support-agent-bribery/</guid>
      <pubDate>Mon, 02 Nov 2026 21:16:28 GMT</pubDate>
      <dc:creator>Swapo editorial team</dc:creator>
      <category>Security</category>
      <description>The largest US crypto exchange told the SEC that criminals paid support agents to copy customer data and demanded US$20 million not to release it. The company refused and estimates a cost of up to US$400 million.</description>
      <enclosure url="https://swapofinance.com/og/blog/en/coinbase-vazamento-dados-suborno-suporte.jpg" type="image/jpeg" length="50807" />
    </item>
    <item>
      <title>Real stablecoins: what BRZ, BRLA and cREAL are, who issues them and how they differ from Drex</title>
      <link>https://swapofinance.com/en/blog/real-stablecoins-brz-brla-creal-explained/</link>
      <guid isPermaLink="true">https://swapofinance.com/en/blog/real-stablecoins-brz-brla-creal-explained/</guid>
      <pubDate>Mon, 02 Nov 2026 21:16:28 GMT</pubDate>
      <dc:creator>Swapo editorial team</dc:creator>
      <category>Stablecoins</category>
      <description>The market for digital currencies pegged to the real is small next to dollar stablecoins, but it already circulates on public blockchains. See who issues them, what backs their value and why this is not Drex.</description>
      <enclosure url="https://swapofinance.com/og/blog/en/stablecoins-de-real-brz-brla.jpg" type="image/jpeg" length="72294" />
    </item>
    <item>
      <title>How to check a USDT transaction on Tronscan: a step-by-step guide to validating a payment on the TRON network</title>
      <link>https://swapofinance.com/en/blog/how-to-check-usdt-transaction-tronscan/</link>
      <guid isPermaLink="true">https://swapofinance.com/en/blog/how-to-check-usdt-transaction-tronscan/</guid>
      <pubDate>Mon, 02 Nov 2026 21:16:28 GMT</pubDate>
      <dc:creator>Swapo editorial team</dc:creator>
      <category>Practical guides</category>
      <description>A transaction hash is the public receipt for a USDT payment. Learn how to paste it into Tronscan, what to read in each field and how to tell real USDT from a fake token.</description>
      <enclosure url="https://swapofinance.com/og/blog/en/como-conferir-transacao-usdt-tronscan.jpg" type="image/jpeg" length="47897" />
    </item>
    <item>
      <title>US tariffs: what changes for Brazilian importers with the dollar and the trade war</title>
      <link>https://swapofinance.com/en/blog/us-tariffs-brazilian-importers-dollar-trade-war/</link>
      <guid isPermaLink="true">https://swapofinance.com/en/blog/us-tariffs-brazilian-importers-dollar-trade-war/</guid>
      <pubDate>Mon, 02 Nov 2026 21:16:28 GMT</pubDate>
      <dc:creator>Swapo editorial team</dc:creator>
      <category>International payments</category>
      <description>On April 2, the United States announced tariffs on dozens of countries. Brazil landed in the lowest band, at 10%, but the dollar rose with the US-China escalation. See what matters for those who buy from abroad.</description>
      <enclosure url="https://swapofinance.com/og/blog/en/tarifaco-eua-importadores-brasileiros.jpg" type="image/jpeg" length="71976" />
    </item>
    <item>
      <title>Stablecoins account for about 90% of crypto flows in Brazil, says Central Bank president</title>
      <link>https://swapofinance.com/en/blog/stablecoins-90-percent-crypto-flow-brazil-central-bank-president/</link>
      <guid isPermaLink="true">https://swapofinance.com/en/blog/stablecoins-90-percent-crypto-flow-brazil-central-bank-president/</guid>
      <pubDate>Mon, 02 Nov 2026 21:16:28 GMT</pubDate>
      <dc:creator>Swapo editorial team</dc:creator>
      <category>Stablecoins</category>
      <description>In February, Gabriel Galípolo said about 90% of crypto asset use in the country is tied to stablecoins, used mainly to pay for purchases abroad. See what that means and how the Central Bank plans to regulate the sector.</description>
      <enclosure url="https://swapofinance.com/og/blog/en/stablecoins-fluxo-cripto-brasil-banco-central.jpg" type="image/jpeg" length="59472" />
    </item>
    <item>
      <title>TRON network fees: energy, bandwidth and how much it costs to send USDT</title>
      <link>https://swapofinance.com/en/blog/tron-network-fees-energy-bandwidth-cost-send-usdt/</link>
      <guid isPermaLink="true">https://swapofinance.com/en/blog/tron-network-fees-energy-bandwidth-cost-send-usdt/</guid>
      <pubDate>Mon, 02 Nov 2026 21:16:28 GMT</pubDate>
      <dc:creator>Swapo editorial team</dc:creator>
      <category>TRON network</category>
      <description>TRON does not charge a fixed fee. Each transfer consumes energy and bandwidth, and whatever is missing is paid in TRX. Here is the current math, the difference between a new wallet and one that already holds USDT, and ways to pay less.</description>
      <enclosure url="https://swapofinance.com/og/blog/en/taxas-tron-energia-largura-de-banda.jpg" type="image/jpeg" length="50631" />
    </item>
    <item>
      <title>Bybit hack: US$1.5 billion in ETH stolen and what the biggest crypto theft in history teaches</title>
      <link>https://swapofinance.com/en/blog/bybit-hack-lazarus-1-5-billion-theft/</link>
      <guid isPermaLink="true">https://swapofinance.com/en/blog/bybit-hack-lazarus-1-5-billion-theft/</guid>
      <pubDate>Mon, 02 Nov 2026 21:16:28 GMT</pubDate>
      <dc:creator>Swapo editorial team</dc:creator>
      <category>Security</category>
      <description>On February 21, attackers siphoned about 401,000 ETH from a Bybit cold wallet. Four days later, what is known is that the signers saw a fake screen, that North Korea is the main suspect and that the technical cause is still under investigation.</description>
      <enclosure url="https://swapofinance.com/og/blog/en/ataque-bybit-lazarus-roubo-1-5-bilhao.jpg" type="image/jpeg" length="66077" />
    </item>
    <item>
      <title>SWIFT or USDT on TRON: cost, timing and risks for paying a foreign supplier</title>
      <link>https://swapofinance.com/en/blog/swift-vs-usdt-tron-cost-timing-international-payments/</link>
      <guid isPermaLink="true">https://swapofinance.com/en/blog/swift-vs-usdt-tron-cost-timing-international-payments/</guid>
      <pubDate>Mon, 02 Nov 2026 21:16:28 GMT</pubDate>
      <dc:creator>Swapo editorial team</dc:creator>
      <category>Comparisons</category>
      <description>An international bank transfer and USDT on the TRON network solve the same problem by different routes. This comparison lays out the cost components, timing and risks of each, using only public data, each with a source and date.</description>
      <enclosure url="https://swapofinance.com/og/blog/en/swift-ou-usdt-custo-e-prazo-pagamento-exterior.jpg" type="image/jpeg" length="92337" />
    </item>
    <item>
      <title>Tether moves its headquarters to El Salvador and reports profit of more than US$13 billion in 2024</title>
      <link>https://swapofinance.com/en/blog/tether-moves-headquarters-el-salvador-record-profit-2024/</link>
      <guid isPermaLink="true">https://swapofinance.com/en/blog/tether-moves-headquarters-el-salvador-record-profit-2024/</guid>
      <pubDate>Mon, 02 Nov 2026 21:16:28 GMT</pubDate>
      <dc:creator>Swapo editorial team</dc:creator>
      <category>Stablecoins</category>
      <description>The issuer of USDT announced in January that it is moving its headquarters to El Salvador and, on January 31, reported annual profit above US$13 billion, with US$113 billion in US Treasuries. The figures come from Tether itself, with an attestation by BDO, not from a full audit.</description>
      <enclosure url="https://swapofinance.com/og/blog/en/tether-sede-el-salvador-lucro-recorde-2024.jpg" type="image/jpeg" length="55061" />
    </item>
    <item>
      <title>Fake Pix tax scams: what Brazil's Federal Revenue Service changed, why the rule was revoked and how to spot the fraud</title>
      <link>https://swapofinance.com/en/blog/fake-pix-tax-scams-federal-revenue-service/</link>
      <guid isPermaLink="true">https://swapofinance.com/en/blog/fake-pix-tax-scams-federal-revenue-service/</guid>
      <pubDate>Mon, 02 Nov 2026 21:16:28 GMT</pubDate>
      <dc:creator>Swapo editorial team</dc:creator>
      <category>Security</category>
      <description>The wave of rumors about a supposed Pix fee ended with the announcement, on January 15, 2025, that the Revenue Service rule would be revoked, but left scammers with a ready-made script: fake messages and boletos in the tax authority's name. See what changed, what never existed and how not to fall for it.</description>
      <enclosure url="https://swapofinance.com/og/blog/en/golpes-taxacao-do-pix-fake-news-receita.jpg" type="image/jpeg" length="50711" />
    </item>
    <item>
      <title>MiCA takes full effect and USDT lacks authorization: what changed at exchanges and for those paying in Europe</title>
      <link>https://swapofinance.com/en/blog/mica-europe-usdt-exchange-delistings/</link>
      <guid isPermaLink="true">https://swapofinance.com/en/blog/mica-europe-usdt-exchange-delistings/</guid>
      <pubDate>Mon, 02 Nov 2026 21:16:28 GMT</pubDate>
      <dc:creator>Swapo editorial team</dc:creator>
      <category>Stablecoins</category>
      <description>The European crypto-asset regulation applied in full on December 30, 2024. Tether has no authorization as an e-money token issuer, and Coinbase has already removed USDT from European retail. See the effect for anyone with a supplier in the European Union.</description>
      <enclosure url="https://swapofinance.com/og/blog/en/mica-europa-usdt-delistagem-exchanges.jpg" type="image/jpeg" length="84008" />
    </item>
    <item>
      <title>USDT address poisoning scam: how it works, the US$68 million and US$129 million cases, and how to defend yourself</title>
      <link>https://swapofinance.com/en/blog/usdt-address-poisoning-scam-68-129-million-cases/</link>
      <guid isPermaLink="true">https://swapofinance.com/en/blog/usdt-address-poisoning-scam-68-129-million-cases/</guid>
      <pubDate>Mon, 02 Nov 2026 21:16:28 GMT</pubDate>
      <dc:creator>Swapo editorial team</dc:creator>
      <category>Security</category>
      <description>The scammer does not break into the wallet. He plants in the victim's history an address that looks like the recipient's and waits for the wrong copy. In 2024, the trick took US$68 million in wrapped bitcoin and about US$129 million in USDT on TRON.</description>
      <enclosure url="https://swapofinance.com/og/blog/en/golpe-envenenamento-de-endereco-usdt.jpg" type="image/jpeg" length="55929" />
    </item>
    <item>
      <title>What Is USDT, Tether's Stablecoin: How Issuance Works, What Is in the Reserves and What the Risks Are</title>
      <link>https://swapofinance.com/en/blog/what-is-usdt-tether-how-it-works-reserves-risks/</link>
      <guid isPermaLink="true">https://swapofinance.com/en/blog/what-is-usdt-tether-how-it-works-reserves-risks/</guid>
      <pubDate>Mon, 02 Nov 2026 21:16:28 GMT</pubDate>
      <dc:creator>Swapo editorial team</dc:creator>
      <category>Stablecoins</category>
      <description>With more than US$130 billion in circulation, USDT is the world's most widely used stablecoin. See who issues it, how the digital dollar is created and redeemed, what the September 2024 attestation shows about the reserves and where the risks lie.</description>
      <enclosure url="https://swapofinance.com/og/blog/en/o-que-e-usdt-tether-como-funciona-lastro.jpg" type="image/jpeg" length="75270" />
    </item>
    <item>
      <title>What the TRON network and the TRC-20 standard are: why so much USDT circulates on it and how to read an address</title>
      <link>https://swapofinance.com/en/blog/what-is-tron-network-trc-20-usdt/</link>
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      <pubDate>Mon, 02 Nov 2026 21:16:28 GMT</pubDate>
      <dc:creator>Swapo editorial team</dc:creator>
      <category>TRON network</category>
      <description>TRON holds almost half of the USDT in circulation and competes with Ethereum for the token's lead. See how the network works, what TRC-20 means, what a transfer costs, the risks, and how to read an address before sending money.</description>
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    </item>
    <item>
      <title>Brazil's Central Bank Opens Public Consultations to Regulate Virtual Asset Providers: What CP 109 and CP 110 Propose</title>
      <link>https://swapofinance.com/en/blog/central-bank-brazil-public-consultations-crypto-providers/</link>
      <guid isPermaLink="true">https://swapofinance.com/en/blog/central-bank-brazil-public-consultations-crypto-providers/</guid>
      <pubDate>Mon, 02 Nov 2026 21:16:28 GMT</pubDate>
      <dc:creator>Swapo editorial team</dc:creator>
      <category>Regulation</category>
      <description>On November 8, 2024, the Central Bank of Brazil put out for consultation the first draft rules for virtual asset service providers: three categories, minimum capital, segregation of client assets and a two-phase authorization process. Comments are due by February 7, 2025.</description>
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