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Brazil's 24-hour wait on self-custody transfers is friction by design

8/9/2026

Brazil is inserting a mandatory 24-hour delay into cryptocurrency transfers destined for self-custody wallets. The policy covers cryptocurrencies and fiat-backed stablecoins and takes effect on January 1, 2027.

The case for it rests on fraud prevention.

What complicates that case is that self-custody, the practice of holding your own private keys rather than entrusting them to an exchange or custodian, is the feature that crypto's architecture was built around.

What the mechanism actually does A 24-hour hold between custodial and self-custody systems creates a window.