Questions about conta.

No. conta.vc doesn’t run credit checks and doesn’t look up your score. Having bad credit, having your name listed with SPC or Serasa (Brazil’s credit bureaus), having outstanding debt: none of that stops you from opening your conta and using it.

What does exist is identity verification, which is a different thing. Its purpose is to confirm that you are you, not to judge whether you owe money. No bank has to approve you for your conta to work.

You create your conta first, and verification comes later, when you go to unlock Pix. It’s done inside the app itself: a photo of a photo ID and a selfie.

It’s a requirement of whoever operates Pix in Brazil, not a choice made by conta.vc. In the banking system, every transaction in reais requires identification, and it couldn’t be any different here.

Again, to leave no doubt: it’s an identity check, not a credit check. We don’t look up your name in debtor registries.

Before verification, you can already receive dollars and convert those amounts into your balance in reais. You can also receive, send, and pay with Pix.

Until your document verification is approved, the only thing you won’t be able to do is send dollars or cryptocurrencies, and foreign nationals also won’t be able to receive Pix.

At conta, no one deducts or takes money from your conta without your authorization. Not a bank, not a collection agency, not even conta itself.

This applies to any debt, card, overdraft, or automatic charge: nothing that comes into your conta leaves it unless you say so.

The reason is simple: your conta is unlocked and operated only by your face or your fingerprint. That key is yours and no one else’s.

To be completely transparent: conta protects your money from deductions and freezes by banks and debt collectors, but it isn’t above the law. A court order directed at you still applies, as it does to anyone.

And at the exact moment a Pix is on its way, coming in or going out, it spends a few seconds passing through the payments partner that connects conta to the banking system; as soon as it arrives, the money is in your conta, under your key.

Your money isn’t held by conta.vc. It sits in a wallet that is yours, on a public network, and the app is just the way you get to it.

This isn’t a company promise. It’s how conta was built: conta.vc has no way to sign a transaction on your behalf. Not to take your money, and not to give it back if you lose your key.

Yes. Your conta accepts several passkeys, and each device has its own. They all open the same conta, with the same balance.

In Account → Security you see the list of your passkeys, with the date each one was created and last used. That’s also where you add another one, with the “Add passkey” button. This has to be done from a device where you’re already signed in.

Having more than one is the best protection there is here. With two, losing a device is a hassle. With just one, the device and your conta become the same thing.

The passkey your computer created is stored inside it and doesn’t leave it: there’s no file to export and no code to type into your phone. This isn’t a conta.vc limitation; it’s exactly what keeps someone from asking for or stealing your passkey remotely.

So the way to do it isn’t to move the passkey but to create another one, stored in a password manager that syncs across your devices. Both stay valid.

1. On your computer, install a password manager and its browser extension, and sign in with the same account on both.

2. Still on your computer, with your conta.vc account open, go to Account → Security and click “Add passkey”. The window that appears is the password manager’s, asking if you want to save the passkey in it. Confirm.

3. On your phone, install the same password manager’s app and sign in with the same account. Then allow the password manager to fill in your passkeys: on Android, in Settings → Passwords & accounts → Autofill service; on iPhone, in Settings → Apps → Passwords → AutoFill.

4. Open app.conta.vc in your phone’s browser, tap “I already have an account”, and confirm with your face or fingerprint. It’s the same account, with the same balance.

If in step 2 the system window appears instead of the password manager’s, the extension isn’t active. Open the extension, make sure you’re signed in to it, reload the page, and try again.

It’s an app that stores passkeys and passwords and syncs them across your devices. Bitwarden and Proton Pass are free; 1Password is paid. Any of the three will do, and they all work on Android and iPhone.

It doesn’t replace your biometrics with a password. What unlocks the passkey when you sign in is still your face or your fingerprint: the password manager only stores the encrypted passkey and carries it to your other devices, without being able to read what’s inside.

The honest limit is the usual one, just shifted: what you can’t afford to lose becomes your access to the password manager. If you forget its master password and don’t have a passkey on any other device, no one can give your conta back. Not the password manager, not conta.vc.

In Account → Security, each passkey has a “Remove” button next to it. Once removed, it stops opening your conta right away. That’s what to do when you sell a phone, switch computers, or lose a device.

The only one you can’t remove is the last one. With no passkey at all, no one could get into your conta anymore, not even you, so the app doesn’t allow it. When you switch devices, add the new passkey before removing the old one.

No. The key to your conta isn’t a password you memorize or a secret phrase you write down. It’s a passkey, stored in your phone’s own vault and unlocked by your face or your fingerprint.

That passkey is backed up to your iCloud account on iPhone, or to your Google account on Android. On a new device, you sign in to the same iCloud or Google account, the passkey comes back, and with it, your conta.vc account comes back too.

In other words: what has to survive isn’t the device but your access to iCloud or Google.

Then you lose access to your balance, and there’s no way to recover it. Not through support, not with documents, not by any decision of ours.

That’s the honest trade-off of no one being able to touch your money without you. If there were a button in here that could give your conta back, that same button could be used against you, by us, by an intruder, or by whoever forced us to.

That’s why it’s worth doing this now, not later: check that the backup of your iCloud or Google account is turned on, and that you can still sign in to it. That’s what protects your access.

Your conta has two fixed addresses for dollars, one on an EVM network and the other on Solana. They’re the addresses you give to whoever is going to pay you, and the ones you send from.

When dollars arrive, they become a balance in reais in your conta. When you send, it works the other way around: the money leaves your balance in reais and arrives as dollars at the address you entered. You don’t have to manage two accounts or keep track of exchange rates.

Check the network before sending, and before giving your address to anyone. Sending over a network that doesn’t match the address usually means the money is lost, with no way to recover it. This is true of any service, not just this one.

conta.vc doesn’t charge for receiving and sending with Pix. There’s no monthly fee and no fee per transaction in reais.

Dollar transactions, receiving or sending, have a 2.5% fee. That’s how conta pays for itself.

No fine print: that’s the cost, and it’s shown in the transaction itself. If that ever changes, it’ll change here, in writing.

Yes. The limit is R$ 3,000 per transaction, both for sending and for receiving with Pix.

It’s a cap per transaction, so an amount larger than that won’t fit in a single Pix. It’s worth checking this before agreeing on a large payment, so you don’t find out at the last minute.