Local terms for this counter
lotérica · correspondente bancário · casa de câmbio · mercadinho
Brazil built one of the world's largest retail financial counter networks through the correspondente bancário model, with lotéricas acting as the everyday banking counter for tens of millions of people. It is a network purpose-built for the kind of service this program provides.
$500.00
Counter order · Brazil
Brazil's banking correspondent framework turned ordinary retail businesses — lottery agents, pharmacies, supermarkets — into licensed counters for financial services, reaching municipalities where bank branches never went.
Brazil is also one of the largest crypto markets in the hemisphere by volume, with substantial retail and institutional adoption and a comparatively developed regulatory conversation.
Anytime Capital's retail counter is live in the United States. International partner locations are onboarded market by market as local licensing allows, so the first conversation is always about what is possible where your store actually is.
The local picture
The format has a different name in every market and does the same job in all of them. This is the version that applies here.
lotérica · correspondente bancário · casa de câmbio · mercadinho
Lottery agents acting as banking correspondents, currency exchange houses, neighbourhood markets, payment agents.
United States, Portugal, Japan, intra-regional — where the money moves, and why stablecoins matter at this counter.
Portuguese. Serving a customer in their own language is the single biggest advantage a counter has over an app.
The arithmetic
Crypto is priced as a percentage of the order, so the revenue scales with the ticket rather than with the number of items you sold. These are worked examples at an illustrative 1% to 3% revenue share — check your agent agreement for your own rate.
| At the counter | Order size | Store keeps (low) | Store keeps (high) |
|---|---|---|---|
| A customer cashes a check and puts part of it into Bitcoin | $200 | $2.00 | $6.00 |
| A regular buys USDT to send to family overseas | $500 | $5.00 | $15.00 |
| A customer sells crypto and takes the cash | $1,000 | $10.00 | $30.00 |
| A small business owner buys on payday, every other week | $2,500 | $25.00 | $75.00 |
| One larger order, the kind an ATM's daily cap refuses | $10,000 | $100.00 | $300.00 |
The figures above are worked examples, not projected or guaranteed earnings. They show how the arithmetic works on a given order size at an illustrative revenue-share range. Your actual rate is set in your agent agreement, and what any individual store earns depends on its foot traffic, its neighbourhood, its hours and how many customers it serves. Anytime Capital does not promise any level of income.
Typical time to serve a customer
Equipment to buy or lease
Assets your customers can buy
US-based support for your staff
A Brazilian lotérica pays benefits, accepts bill payments, handles deposits and withdrawals and sells lottery tickets — all as an agent for licensed institutions. The population uses it as a bank branch and thinks nothing of it.
That is the precise behaviour this program asks of a store, and Brazil is the market where it needs the least explanation.
The counterweight is that Brazil's domestic instant payment system is unusually good, which means the local case for stablecoins leans more toward cross-border and dollar exposure than toward domestic transfer speed.
Brazil has enacted a legal framework for virtual asset service providers with the central bank designated as regulator, and authorisation requirements have been phased in. Availability depends on that licensing.
Anytime Capital's retail counter is live in the United States. International partner locations are onboarded market by market as local licensing allows, so the first conversation is always about what is possible where your store actually is.
Anytime Capital is a registered US money services business and operates its own branches in Atlanta and Miami. The retail program extends that same platform to partner counters — which is why availability follows licensing rather than ambition, and why the first conversation about any international market is a straight one.
An employee signs in to the retail platform in a browser, runs a one-to-two minute identity verification for a first-time customer, places the order at a live price and takes the payment at the counter. Returning customers skip the verification entirely.
The store never holds cryptocurrency, never controls a private key and never funds a float. There is no equipment to buy, lease or install.
The customer receives the asset to a wallet they control, with the delivery recorded on a public blockchain — which is a stronger receipt than most counter products anywhere in the world can offer.
Related
The rest of the programme, and the region this market sits in.
For domestic transfers, largely yes — it is one of the better systems in the world. The Brazilian case is about dollar exposure and cross-border movement rather than domestic speed.
They are the closest analogue anywhere to what this program does, because the correspondent model already makes a retail counter an agent for a licensed financial institution.
Anytime Capital's retail counter is live in the United States. International partner locations are onboarded market by market as local licensing allows, so the first conversation is always about what is possible where your store actually is. We will tell you plainly what is and is not possible where you are rather than taking you through an onboarding that cannot finish.
In the United States, a store acting as a serving location does not need its own money services business registration — Anytime Capital holds it. Outside the United States the answer depends entirely on the local regime, which is why availability is assessed market by market.
An employee signs in, verifies the customer once, places the order and takes the payment at the counter. There is no machine to install, no crypto for the store to hold and no float to fund.
Elsewhere in the programme
The same programme, answered for a different question, store format or market.
Tell us where your counter is and what your customers are asking for. We will be straight with you about what is possible in your market today.