Receive Money from the US — Spend It Instantly

Someone in the US sends you dollars. You spend pesos or reais in seconds — via MercadoPago or PIX. No fees. No DNI or CPF needed.

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Receive Money from the United States and Spend Locally in Seconds

When someone in the United States sends you money through Peanut, the funds arrive in your account instantly — not in days, not in hours, in milliseconds. From there, you walk into any shop in Argentina and scan a Mercado Pago QR code, or pay any merchant in Brazil with PIX. The money converts at the cripto dólar rate, which means 5-8% more pesos per dollar than what traditional services deliver. No fees on your end. No DNI or CPF required.

The sender in the US can fund their Peanut account via ACH bank transfer (free, 1-3 business days) or by sending digital dollars from Coinbase or another exchange (free, arrives in minutes). Once the funds reach your Peanut account, you spend them however you want.

How to Receive Money from the US

1. 1

   Sign up on Peanut

   Create your account and verify your identity. A passport or national ID card from any country is enough — no DNI or CPF needed. Verification takes under 2 minutes for most users.

2. 2

   Share your details with the sender

   Tell the person in the US to create a Peanut account and send money to you. They can deposit via ACH bank transfer or send digital dollars from any major exchange.

3. 3

   Receive the money instantly

   Peanut-to-Peanut transfers arrive in milliseconds. The moment the sender hits confirm, the balance appears in your account.

4. 4

   Spend locally

   Open the Peanut app, tap "Pay," and scan a Mercado Pago QR at any of 1,000,000+ merchants in Argentina. In Brazil, scan a PIX QR code at virtually any merchant. You can also withdraw cash from Red ATMs in Argentina or transfer to a local bank account.

What You Can Do With the Money

In Argentina

Mercado Pago QR — Walk into any supermarket (Carrefour, Dia, Coto, Jumbo), restaurant, cafe, kiosk, or pharmacy and scan the Mercado Pago QR code. Over 1,000,000 merchants accept it. The merchant sees a normal Mercado Pago payment — they have no idea you received money from the US minutes ago. The rate locks at the moment of payment, so the amount on your confirmation screen is exactly what gets charged.

Cash withdrawal — Need physical pesos? Use the Peanut app to generate a one-time QR code and withdraw cash from any Red ATM in Buenos Aires, Cordoba, Mendoza, Rosario, Bariloche, or other major cities. ATMs operate 24/7. Free from Peanut (the ATM operator may charge a small network fee).

Bank transfer — Move your balance to a local Argentine bank account for rent, utilities, or other needs.

In Brazil

PIX — Scan a PIX QR code at restaurants, supermarkets, gas stations, ride-hailing apps, hotels, street vendors, and online stores. PIX is instant, 24/7/365. Over 150 million Brazilians use it daily, and it works at virtually every merchant in the country.

Bank transfer — Withdraw to a Brazilian bank account when you need funds in a traditional account.

How Much Does It Cost?

Receiving money through Peanut is free. The sender pays nothing to deposit or send. You pay nothing to receive, spend, or withdraw. There are no hidden fees layered on top.

The exchange rate is where Peanut stands apart. In Argentina, Peanut converts at the cripto dólar rate — 5-8% more pesos per dollar than the MEP rate used by Wise, PayPal, and credit cards. In Brazil, Peanut's flow is not subject to the Tax on Financial Operations (IOF), saving up to 3.5% on transfers that would otherwise trigger this tax.

Compare that to what you would get through traditional services:

For full pricing details, visit the pricing page.

Receive Money from the US Now

No fees, instant spending, no local ID required. Get the best exchange rate.