Noah and Picnic bring USD-native payroll and settlement to Brazil’s global workforce, unlocking access to the dollar economy for millions

Noah, a global payments infrastructure provider, today announced a partnership with Picnic, a leading digital wallet and investment platform, to unlock direct, dollar-native access for Brazil’s growing global workforce. 

By embedding dollar-native accounts, payroll and settlements inside the Picnic app, the partnership gives Brazilian professionals a direct way to earn, hold and use USD without relying on US banks, and without being trapped in slow, expensive cross-border systems.

Powered by Noah’s regulated stablecoin infrastructure, the solution cuts costs by as much as half by getting rid of forced currency conversions, hidden FX leakage and multi-day settlement delays meaning workers can access more of the value they earn immediately.

Bringing Brazil’s global workforce into the dollar economy

Brazil is now one of the world’s leading exporters of remote and digital talent. In 2025, digital services represented 13% of total exports, having grown 15% over the past decade, as demand from the United States and Europe accelerates. Yet getting paid from these countries remains slow, expensive, and inefficient. Millions are still forced into legacy payment flows where they lose as much as 8% of their income to costs and fees.

Now, through a single onboarding flow inside the Picnic app, workers can receive more of their international earnings into their Noah-powered USD accounts in seconds. This doesn’t just unlock faster payments, but finally allows them to participate in the global economy. For the first time, they can earn, hold, save, and spend in dollars on their own terms, choosing how and where to use their income as stablecoins or fiat.

“Brazilian professionals are increasingly global, but the infrastructure they rely on to get paid is still local and outdated,” said Shah Ramezani, Founder and CEO at Noah. “At Noah, we’re building dollar-native financial infrastructure for the global workforces and this partnership continues to remove cross-border payroll friction to give millions faster, cheaper access to the dollars they earn.”

Structural Demand for Dollars

Such is the demand for USD access in Brazil, roughly 90% of cryptocurrency volume in Brazil is now tied to stablecoins (USD-pegged assets). In 2025, Brazilian stablecoin volume reached approximately R$ 74 billion (~USD 14 billion).

“These numbers show that stablecoins in Brazil are not about trading, they are about utility,” said João Ferreira, CEO at Picnic. “People are already using digital dollars to solve real financial problems, and this partnership gives them a compliant, simple way to receive international income without losing value along the way.”

How the Noah and Picnic flow works

1. Unified Onboarding: Verification is handled entirely within the Picnic app. Users who verify their identity once do not need to repeat KYC checks for Noah, allowing them to generate a USD account instantly.
2. Virtual Accounts: Once verified, users generate a unique USD virtual account powered by Noah directly inside their Picnic wallet.
3. Seamless Collection: Users share these details with US employers. The employer pays via standard ACH as if paying a local employee.
4. Instant Settlement: Upon receipt, Noah automatically converts the USD to stablecoins and settles them instantly to the user’s Picnic wallet.
5. Choice: Users can hold the funds in stablecoins or pay with Picnic debit cards.

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