·8 min read
Crypto cards in Brazil: real cost, IOF and taxes
Crypto cards in Brazil in 2026: which exist, the real cost (spread, cashback, IOF), why every purchase is a taxable sale and what the Central Bank changed.
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Research and education on crypto-assets and investing
- ·7 min read
How stablecoin companies make money
How Tether and Circle profit from USDT and USDC: interest on US Treasuries, 2025 and 2026 figures, what the reserves reveal and what it means for holders.
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A low price is not cheap: market cap and supply explained
Why a US$ 0.01 coin is not cheap and bitcoin at US$ 80,000 is not expensive: market cap, circulating supply, max supply and dilution, with 2026 figures.
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Sent crypto on the wrong network: can it be recovered?
Sent USDT or another coin on the wrong network? What happens in each case (your key, an exchange, a contract address), who can help and what is lost for good.
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Gas fees: what they are, why they change and tax
What a gas fee is, how it is calculated on Ethereum and Bitcoin, why it rises and falls, how to pay less and how network fees enter Brazilian crypto tax.
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Crypto bridges: what they are, risks and when not to use one
What a blockchain bridge is, how it moves assets between networks, why bridges hold the largest thefts in crypto history and the safer alternatives.
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Layer 2: what it is and what changes for self-custody
What a layer 2 is (Arbitrum, Optimism, Base, zkSync, Lightning), why fees fell after Dencun, optimistic vs ZK rollups and what changes for custody and tax.
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Why bitcoin costs a different price on each exchange
Why the bitcoin price changes from one exchange to another: implied dollar, spread, fees, liquidity and the Brazilian premium, with October 2026 math.
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Bitcoin self-custody course: what to look for
How to choose a bitcoin self-custody course: 7 criteria that separate a useful course from an expensive video, what it must teach hands-on, and red flags.
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Crypto advisor for beginners: worth it with a small balance?
Crypto advisory for beginners: what changes with a small portfolio, where the advisor starts (security and taxes before allocation) and what to verify.
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Crypto advisory for high-net-worth and family offices
Crypto advisory for high-net-worth investors and family offices in Brazil: concentration, institutional or multisig custody, succession, abroad and fees.
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Forgot your Ledger or Trezor PIN: what happens to your funds
Forgot your Ledger or Trezor PIN? The device wipes after 3 or 16 wrong attempts, but the seed restores everything. What to do with a full, partial or no seed.
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How much a crypto advisor costs and what is included
How much a crypto advisor costs: fee on assets, flat monthly fee or performance fee, what each model reveals, what must be included and how Vault charges.
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How to choose a crypto advisor in Brazil: 8 criteria
How to choose a crypto advisor in Brazil: 8 criteria to compare firms, how to verify each one in minutes, and how Vault Capital answers every point.
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How to set up a Ledger for the first time, without mistakes
How to set up a Ledger for the first time: seal check, Ledger Live, PIN, the 24 words, restore test, test transaction and the 6 mistakes that cost the most.
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Incomplete seed phrase: missing words and checksum errors
Seed phrase with missing, misspelled or misordered words, or a checksum error: what is recoverable, how many missing words are feasible, what never to send.
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Is it worth paying to set up your crypto wallet?
Is it worth paying to set up your bitcoin wallet? Doing it alone, a recorded course, an in-person course or expert help, compared by cost, risk and outcome.
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Trezor shows an empty wallet: the hidden wallet explained
Restored your Trezor and the wallet is empty? Almost always the passphrase: how hidden wallets work, how to test guesses safely and when it is recoverable.
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Vault's Self-Custody Immersion: how it works
How Vault Capital's Self-Custody Immersion works: in person, one weekend, 15 seats, a hardware wallet set up from scratch and validated by a specialist.
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BIP39 passphrase (25th word): how it works and recovery
What the BIP39 passphrase (25th word) is, how it differs from seed, PIN and password, how Ledger and Trezor use it, how to store it and if you forgot it.
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Bitcoin ETFs in Brazil: how they work and when they fit
Bitcoin ETFs in Brazil: how BITH11, HASH11 and QBTC11 work on B3, what changes versus holding bitcoin, how each route is taxed and when to choose which.
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Bitcoin halving explained: what changes, what it does not
Bitcoin halving explained: what the 4 halvings changed in supply, the price 6 and 12 months after each, the miners' math and what to expect in 2028.
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Crypto advisory for companies: when it makes sense
Crypto advisory for companies in Brazil: treasury uses (stablecoin cash, customer payments, paying abroad, bitcoin reserves), regulation, accounting and tax.
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Crypto inheritance planning in Brazil: a practical guide
Crypto inheritance planning in Brazil: why coins vanish at death, what succession law and ITCMD say, the plan (keys, instructions, will) and the heir's route.
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Crypto scams: 7 most common in Brazil and how to spot them
Crypto scams: the 7 most common in Brazil, how each one starts, the red flags, how to verify a company with the CVM and the Central Bank, and what to do next.
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Crypto staking explained: yield, risks and tax in Brazil
Crypto staking explained: how it works on Ethereum, Solana and at an exchange, the September 2026 rates, what can go wrong, tax in Brazil and custody.
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Crypto taxes in Brazil explained: a guide for expats
Crypto taxes in Brazil explained for expats: monthly DARF, the R$35,000 exemption, 15% to 22.5% brackets, assets abroad, DeCripto and the common mistakes.
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Declaring crypto held abroad in Brazil: Law 14,754 rules
Declaring crypto held abroad in Brazil: what Law 14,754/2023 changed for foreign exchanges, the self-custody gray zone, monthly DeCripto and a worked example.
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Forgot wallet password: what recovery really costs
Forgot your wallet password? What can be recovered by wallet type, how recovery firms charge (success fee or upfront), the scam signals and the first steps.
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Hidden fees of keeping crypto on exchanges: the full cost
Hidden fees of keeping crypto on exchanges: trading fees, spreads, crypto and fiat withdrawals, stablecoin conversion and a worked example with R$ 50,000.
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Hot wallet vs cold wallet: which to use for each amount
Hot wallet vs cold wallet: what each one is, three scenarios by amount and usage, what the 2025 Bybit hack teaches about exposure and how to combine both.
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Is a crypto advisor worth it? Who it is for, what to check
Is a crypto advisor worth it? Who benefits, who does not, what it costs, how to verify a CVM-registered advisor in Brazil and 6 questions to ask first.
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Is my crypto exchange authorized in Brazil? How to check
Is my crypto exchange authorized in Brazil: what Central Bank Resolutions 519, 520 and 521 require, who needs a license, how to check and the deadline.
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Ledger vs Trezor: which hardware wallet to choose in 2026
Ledger vs Trezor compared: current models, prices in Brazil, secure element vs open source, passphrase, Shamir backup, Ledger Recover and where to buy safely.
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Lost access to your crypto wallet: what to do now
Lost access to your crypto wallet? What is recoverable (password, incomplete seed, passphrase, damaged device, inheritance), the first 24 hours and the scams.
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Lost my Ledger: what to do before funds are at risk
Lost your Ledger? Why the device is not the wallet, the three scenarios (seed safe, seed incomplete, stolen), how to restore elsewhere and when to get help.
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Proof of work vs proof of stake: differences and risks
Proof of work vs proof of stake: how each validates blocks, what changed when Ethereum switched in 2022, the real risks of staking and why Bitcoin mines.
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Self-custody vs exchange: where to keep crypto in 2026
Self-custody vs exchange compared by counterparty risk, fees, Brazilian tax reporting and inheritance, with the FTX and Mt. Gox cases and a rule by amount.
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Send money abroad with stablecoins from Brazil: real cost
Send money abroad with stablecoins from Brazil: a numeric comparison of R$ 20,000 by bank wire, remittance platform and USDT, plus Central Bank rules and tax.
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How to calculate crypto tax in Brazil: tool, sheet or CPA
How to calculate crypto tax in Brazil: spreadsheet, accountant and Vault Tax compared by cost, time, error risk on swaps and cost basis, DeCripto and DARF.
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What are stablecoins: USDT vs USDC for investors in Brazil
What stablecoins are, how USDT and USDC hold their dollar peg, how BRZ and Drex differ, the real risks and how selling is taxed in Brazil in 2026.
Read article → - ·6 min read
What is a crypto vault and how to build your own
What a crypto vault is, how cold storage, multisig, time-locked, exchange and DeFi vaults work, when one makes sense and how to build your own safely.
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What is a seed phrase and how to store 12 or 24 words
What a seed phrase is: the 12 or 24 BIP39 words that generate every key in a wallet, with paper, metal, password manager, photo and memory backups rated.
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What is DeFi: uses, real risks and the rules in Brazil
What is DeFi: how decentralized finance replaces the intermediary with code, where the money sits, the risks with a named example and what Brazil requires.
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Crypto-asset advisory: what it is and how it works
Understand what crypto-asset advisory is, how it works, when it makes sense to hire one, and why Vault operates without ever taking custody of your assets.
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Crypto custody: self-custody vs. third-party custody
Understand what crypto-asset custody is, the differences between self-custody and third-party custody, and how to protect your crypto wealth securely.
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