Frequently asked questions

Settlement infrastructure between crypto assets and PIX. A company integrates the API and can then offer crypto sales paid out to any PIX key (cash-out), crypto purchases paid by PIX (cash-in) and open payment verification. Venda Cripto is the consumer-facing version, operated by the same company.

No. POST /keys/sandbox returns a test key instantly, with no data required, and it runs the entire flow without moving money. A production key is also created with a single call (POST /keys).

The quote is valid for 15 minutes; once the deposit is confirmed on Polygon, the PIX goes out in about 10 seconds (measured in production). On other networks the time depends on that blockchain's confirmations and is stated up front.

Any key: CPF, CNPJ, phone, email or a random key — belonging to anyone. The API normalizes the format and confirms the account holder in the PIX directory before paying.

Only with USDT or USDC on Polygon, through the br_code field. The amount and the payee come from the QR code itself. If the settlement provider rejects the charge, the crypto returns to the operation's refund address.

For cash-out through the API, 0.20% to Lunium plus the settlement provider's fees (1% + R$ 0.17), already built into the quote: the amount in reais you see is what the key receives. For cash-in the fee is agreed per key. There is no monthly fee.

Cash-out: from R$ 6.00 to R$ 250,000.00 per transaction, with no daily ceiling per API key. What closes the day is the recipient: R$ 100,000.00 per CPF/CNPJ of whoever receives the PIX, resetting at midnight (Brasília time) — when the PIX key is not a tax number (email, phone, random), that ceiling applies per key, and we never ask for the seller's CPF. The effective maximum of one operation is the lower of the two: for a recipient who has received nothing yet today, R$ 100,000.00. Cash-in: from R$ 1.00 to R$ 6,000.00 per charge; per payer's CPF/CNPJ, up to R$ 200.00 the money lands immediately and, from R$ 200.00 to R$ 6,000.00 a day, the QR code is still accepted, with the amount held for 24h before release — already on the first operation, with no history required. The per-key tier ladder (R$ 5,000 → R$ 25,000 → R$ 100,000 per day) applies to cash-in and payouts, never to the sale. Your key's current numbers are always at GET /keys/me.

Rejected key, reversed PIX, or a failure before sending: the crypto goes back to the refund_address given in the operation (or to the deposit's origin). When the funds were already with the settlement provider, the refund to the customer happens once that provider returns them to our custody, for the amount actually returned. The order ends in REFUNDED with the refund transaction hash.

Yes, in three forms: the official PIX identifier (E2E), a receipt page and a PDF — all of them in the API response and in the webhook. Anyone can check a payment at GET /v1/verificar/{e2e}, with no key.

No. Blockchain transfers are irreversible, and a deposit on a network or asset different from the one quoted is held for manual handling. Always check the network before sending.

Through the API (GET /cash-outs/{id}), through a signed webhook, or through the Telegram agent, which reports every state change in your company's group and answers queries.

ZANQUETA INTERMED LTDA, Brazilian company registry (CNPJ) 68.538.127/0001-00, headquartered in Americana, São Paulo. The same company operates Venda Cripto. Contact: contato@luniumpay.com.