For freelancers in Brazil, Argentina & Colombia
Factura sends an invoice your client pays in USA₮, the regulated US dollar on Celo. The money lands in your wallet, in dollars or reais or pesos, split the way you choose.
Example invoice
Invoice
FAC-0042
Issued Nov 1, 2026
Due Nov 15, 2026
| Description | Amount |
|---|---|
| October: payments API, webhook retries and on-call cover | $4,800.00 |
Total due
$4,800.00
Settled
in 4 seconds
Kept in USA₮
$2,400.00
Converted
R$ 12,009.60
01
“Bill Acme $1,200 for October backend work, due the 15th.” Factura drafts the invoice; you check it and send the link.
02
Before you start, the agent screens the company against the OFAC list and looks for a real footprint on LinkedIn and X.
03
Your client pays from a wallet or from their own agent. It settles on Celo in seconds. Sanctioned wallets are refused before money moves.
04
Keep dollars in USA₮ or USD₮, or have part converted on Textile FX, a stablecoin FX market on Celo, into Ripio's wBRL or wCOP: digital reais and pesos backed 1:1 by the local currency and redeemable through Ripio. Every quote is checked against the market rate, and every step is on-chain.
What a typical cross-border payment looks like next to Factura.
| Bank wire | Factura | |
|---|---|---|
| Arrives | 3–5 business days | Seconds, any day |
| Fees | Fixed fee per wire, often both sides | Client pays no gas · 0.01% FX fee when you convert |
| Exchange rate | Set by the bank, rarely shown | Market quote, rejected if it's off |
| Proof | A PDF from the bank | Every step on Celo, linkable |
| Client check | You find out when it bounces | Screened before you start |
For US clients
Open the link you were sent, connect a wallet holding USA₮ on Celo and approve one signature. You don't pay gas. USA₮ is Tether's US dollar stablecoin, issued by Anchorage Digital Bank and designed to meet GENIUS Act standards: a dollar your finance team can hold and account for.
Paying from an agent or script
Every pay link is also an x402 endpoint. Any x402 client can settle it:
npx @celo/buy curl --token USAT \ --max-amount 4800 \ https://<factura-agent>/pay/<invoice-id>