Carbon Credit / Climate Revenues
REDD+ / ARR / ALM / ITMOs / Grants / Biodiversity Credits
Project Revenue Collection Account
Sales Settlement Account
USD
Project Benefit Distribution Fund (PBDF)
Ring-fenced Trustee Structure
USD
FX: USD → BRL via stablecoin · 0.3–0.7% fee
incl. bank fees + FX (stablecoin-optimised)
BRL → BRLA Conversion
Real converts to BRLA stablecoin
BRLA STABLECOIN
0% fee
Community Benefit Pool
Central disbursement — on-chain custody
BRLA STABLECOIN
ON-CHAIN TRACKABLE
Community Development Fund
BRLA · Custody Wallet
ON-CHAIN
off-ramp 0.05–0.1%
Community Projects
BRLA → Contractor bank (BRL)
Household Direct Payments
BRLA · Custody Wallet
ON-CHAIN
Individual Members
📱 Superapp (smartphone)
0% fee
↳ P2P Payments
free
↳ KYC Visa Card
Visa std
↳ International FX
0.5–1%
📵 Non-KYC Card (no phone)
2–5%
Livelihood Programs
BRLA · Custody Wallet
ON-CHAIN
off-ramp 0.05–0.1%
Local Jobs & SMEs
BRLA → Contractor/SME bank (BRL)
Health & Education
BRLA · Custody Wallet
ON-CHAIN
off-ramp 0.05–0.1%
Social Programs
BRLA → Provider bank (BRL)
Version 2 — Payment Path Summary (Stablecoin Rails)
- PBDF holds funds in USD — converts to BRL via stablecoin rails at 0.3–0.7% fee (vs 0.6–1% traditional)
- BRL converts to BRLA stablecoin at 0% fee
- Each of the four pillars holds funds in an individual custody wallet with BRLA
- Pillars 1, 3, and 4 off-ramp BRLA to contractor/provider bank accounts at 0.05–0.1% fee
- Pillar 2 (Household): smartphone users receive BRLA directly into their superapp at 0% fee with free P2P, KYC Visa cards, and 0.5–1% international FX
- Users without smartphones receive non-KYC cards at 2–5% fee (same as traditional)
- All layers holding BRLA are fully trackable on-chain with a custom reporting dashboard — transparent, auditable fund flows