--- title: 'R$ 11.489 no PicPay desde 2025: Por que estou tirando tudo para investir em Cripto?' source: 'https://youtube.com/watch?v=mdS6KRK49UM' video_id: 'mdS6KRK49UM' date: 2026-08-01 duration_sec: 1597 --- # R$ 11.489 no PicPay desde 2025: Por que estou tirando tudo para investir em Cripto? > Source: [R$ 11.489 no PicPay desde 2025: Por que estou tirando tudo para investir em Cripto?](https://youtube.com/watch?v=mdS6KRK49UM) ## Summary This video is a real account breakdown of R$11,489 invested in PicPay fixed income and piggy bank products. The narrator reveals his actual returns, the taxes paid, and how inflation reduced his real profit to just R$395. He then explains why he is moving his money into crypto, comparing CDBs with stablecoins and Bitcoin, and finishing with a practical action plan. ### Key Points - **Video promise** [00:02] — The narrator will show his real PicPay statement, reveal the negative interest rate trap, and explain the definitive solution — moving to crypto. He also promises to explain issuer, distributor and FGC safety details. - **Two PicPay investments** [01:13] — The narrator invested in two products: PicPay's 'piggy bank' (cofrinho) and a fixed-income CDB. He opens the app to show both positions. - **Fixed-income CDB details** [01:27] — Initial contribution was R$1,915.16, yielding 102% of the CDI, post-fixed, with a maturity date of September 13, 2025. - **Fixed-income result after 6 months** [02:22] — The R$1,915.16 investment generated R$176.75 in profit after taxes, bringing the current position to R$2,091.91. - **Piggy bank and turbocharged 121% CDI** [03:00] — The piggy bank is larger, split between liquid capital and locked income. It pays 121% of the CDI if monthly requirements are met (around R$900 in transactions), otherwise drops to 102%. - **Piggy bank contribution and income** [04:51] — On November 11, 2025, he contributed R$10,159.30. Gross income was R$731.22, tax was R$146.36, leaving net profit of R$585.46. - **Total portfolio at PicPay** [05:44] — Total invested: R$11,489. Current balance: R$12,251.21. Combined net income: R$762.22. - **Total taxes paid** [06:23] — Fixed income taxed R$35.35 and piggy bank R$146.36, for a total of R$181.75 in taxes on the earnings. - **The negative interest rate trap** [07:38] — IPCA inflation over the period was 3.2%. While nominal profit was 6.62%, subtracting taxes and inflation leaves a real profit of only R$395 on the entire strategy. - **Security: issuer vs distributor** [08:08] — For any investment, know who the issuer is — the borrower. In this case PicPay is both issuer and distributor. The narrator warns about Banco Master-type situations where high yield hides higher risk. - **FGC guarantee up to R$250k** [09:54] — PicPay CDBs are backed by the FGC up to R$250,000 per CPF per banking group. The limit is not per institution — Banco Master and Willbank were treated as one group, limiting coverage. - **Short-term comparison: CDB vs stablecoin vs Bitcoin** [14:19] — Using the same R$11,489, the CDB actually outperformed stablecoins and Bitcoin in this specific short period. Stablecoin without yield lost R$1,300; with 8% yield lost R$901; Bitcoin lost R$2,958. - **Bitcoin as long-term store of value** [20:11] — From 2020 to 2026, Bitcoin appreciated 950%, reaching R$121,000 on the same investment — far above savings (32%), stablecoin (22%) or CDBs. - **Summary saying** [23:27] — 'Saving money slowly makes you poor; a CDB sustains you; but Bitcoin historically transforms you.' - **Action plan to escape negative rates** [23:41] — Step 1: open a Binance account and buy digital dollars (USDT/USDC). Step 2: store crypto in a secure Tangem hardware wallet. Step 3: optionally use crypto cards for daily spending. ### Conclusion The video combines real account data with a strong argument: after taxes and inflation, the 'safe' CDB yielded almost nothing, so the narrator is shifting to dollar stablecoins and Bitcoin as long-term protection and growth assets. ## Transcript in PicPay for more than 6 months. And today I'm going to show you the actual statement and how much was deposited into the account. But listen up, more than just the numbers, I'm going to reveal what nobody wants you to know about the negative interest rate trap. And of course, I'll bring you the definitive solution for this. Furthermore, I will open the black box of security, that is, who the issuer is, who the distributor is, and how the FGC (Credit Guarantee Fund) works in practice so that you are not caught off guard, as happened are not caught off guard, as happened in that tragedy with Banco Master. If you want real security and profit , stay with me until the end of this my phone screen now, where I'll be showing you all my investments, invested, what the daily return is, what taxes were all the details. The issue of security is also very important, as I mentioned, and I will address several other points, such as who this type of investment is suitable for. I'm going to tell you about the negative interest rate trap and we'll conclude. This is truly a worthwhile type of investment; it's worth it discuss all of that. So come here. I'm here on my products, two types of investments. I invested in this piggy bank, okay? And I also invested in their fixed income products here. I'm going to go into each one so we can this fixed income option . By coming here, we'll have more details, right? So I'm going to click here to open this application. And here I'll go into more detail. And here's the detail I have: the total I have in this investment, including the initial contribution plus the profits, with my initial contribution being 1915.16. It shows a return of 102% of the CDI (Brazilian interbank deposit rate). Here we have the date, the due date, which is September 13, 2025. It's a post-fixed rate, not a pre-fixed rate, okay? So, I chose the fixed-rate option, which is when you don't have, let's say, predictability of return at the end of that contract, okay? so the return will be quite variable , okay? And the date of my position, okay? Current date, which is May 26th. Here, I even have the date of my contribution on the back, right? I made this investment on October 6, 2025. So we've already had this investment for more than six months basically. So, in this type of investment, to summarize, I invested 191516. It yielded me R$ 176.75 in profit, after taxes. And I currently have a position of R$ currently have a position of R$ 2,091.91, meaning I made a profit of R$ 71, R$ 176. This is in the box, right, is a type of investment where we lock in our capital for a specific period of time, earning interest based on the CDI (Brazilian Interbank Deposit Certificate). In this case, it's based on the CDI (Brazilian Interbank Deposit Certificate). In this case, it's 102% of the CDI, or 102% of the CDI rate. Now, the other investment I made in the piggy bank was a little bigger, right? Because I divided it between having liquid capital, that is, capital that I can withdraw at any time, return, and I put that smaller part towards generating income, sometimes even seeking a higher return, over a fixed period, you know, a closed period there. So, what do I have here? I'm going to go into I mentioned the "turbocharged piggy bank" thing . I'll explain it to you here. Here even I'm not currently getting a return of 121% of the CDI (Brazilian interbank deposit rate). Why? Because to keep the piggy bank active, you need to meet some monthly requirements. I started with 121% of the CDI rate, but I'm not meeting those open it here—I won't open it, but if I do open it here—you could see that my monthly requirement would be to make a deposit, transactions of R$900, if I'm not mistaken. So I need certain requirements to maintain that 121% CDI. So I need to meet these requirements to maintain it. In the month that I don't maintain it, I'll drop to 102, okay? So this is a very good return, actually, okay? If I had consistently invested at 121% of the CDI rate, I would be earning much higher returns here. Even here, if I look, if I earnings that are being made here daily. So, 4:48, daily. So, 4:48, 4:49, 4:48, and so on. So So it's completely liquid here. Look , 4 and a bit. I don't know why this specific day was R$ 21, anyway. And then you'll see here that he's But what interests us here is a general overview, so to speak. So I'm going to check the investment here, as I said, it's currently at 102% of the CDI. By coming here, we have a list of applications. Let me just open it here. Here's what I wanted to show you, the date, right? On November 11, 2025, I made a date, right? On November 11, 2025, I made a contribution of R$ 10,159.30. okay? So, what do we have here? We have a gross income of R$ 731. gross income. And so I want to show you this here, look. A small detail. This was the total gross income, okay? From my initial value. Actually, no, I only misspoke when I went back is the amount of money I currently have, okay? It wasn't actually 10,000 that I invested . The amount I invested here was R$ 9,576.84. 9.30, right? This refers to gross income. But we have a little this. The tax, right, the tax on this contract was R$ 146.36. So, my net income, right, my net profit, was R$ 585.46. income earned to what I invested will give me exactly the amount I currently have in my account, okay? So here you can see the income I had, okay? in these two types of investment. Logically, this one is yielding boosted investment, so it initially had a higher return and also a much larger initial investment, 9,000 to 2,000, rounding up to 2,000 in investment, the difference is significant, right? Now, going back to the issue of the other type of issue of taxes, right? How much was deducted? Let me open it here. Okay, let's go down here. Taxes, right? And tax was charged on this income here. Here we had a regulation of 176 and 75 and we had a tax paid of R$ 35.35. So this is like a knife to the heart, right? You pay tax on parking stops. But anyway. So you can see these two I currently have here is as follows. I have 12,000 here, right? R$ follows. I have 12,000 here, right? R$ 12.25121. I invested a total of R$ 11,489 here, adding the R$ 1,000-something from fixed income to the R$ 9,000- something in the petty cash box. So, the total came to R$ 11,489. And currently I have R$ 12,251 here, which includes my income of R$ 762. right away, I want to ask you what you thought of this had here? The return is a satisfactory profit for you considering the the investment, which was six months. I want you to comment here with your give my opinion later on about whether it was a good investment or not. negative interest rates. So, right off the bat, here's what I promised my investment in a given month within the PICP program, So there you already have a benchmark. Logically, the values ​​here vary according to the Selic rate. Now let's move on to the safety part. This show you a detail here. I'm going to open both, both the fixed income and the piggy bank start by talking about fixed income here because I want to show you something, a also the issue of the FTC (Credit Guarantee Fund) and so on. I'm coming here, oh, In any investment, regardless of which bank you use, you'll have these details. Regarding the investment, here is the application date, and here is the issuer? Pckpay. Which distributor is it? PicPay too. So when you're going to invest, you mainly need to know who the issuer is, because the issuer is the one who will borrow the money, the security, and then like, "Hey, lend me the money and I'll pay you back at a hundred and something based on the CDI rate and all that." Anyway. And here's where the detail comes in, because Banco Master, for example, was the issuer, meaning it had several securities there in various banks, in the bank, there were several other large banks, meaning you were going there at of the CDI, a high value, so this is a point of attention. The higher the income, the lower the security. So they were really going all out. So, have to see who the issuer is, including here at PicPay itself. In this case, the issuer is PicPay itself, the institution itself, the PicPay bank itself security with the issuer. So you saw here who the issuer is, it's bank X, YZ. in-depth research on that bank, looking into really a safe bank for you to invest your money in, okay? This is a be precisely that institution that is allowing the sale of that security, so to speak. So, PicPay, I'll give you an example here. Let's say Nubank has a title, right? He is the issuer and he is issuing it here within distributor and Nubank is the one borrowing this money, it's the issuer, okay? So, pay attention to that . So here, both in in fixed income, and if I were to also look at the piggy bank, logically the distributor, since we 're within BR itself here, is PicPay, right? Let me take a look here. Here it is . Pckpay issuer, right? And in the case of the piggy bank, it's a type of investment called CDB (Certificate of Deposit). And here's another detail that comes into play, which is the issue of the FGC (Credit Guarantee Fund), okay? Here, Nubank doesn't cover it, but PicPay does ; it has FGC (Brazilian Deposit Insurance Fund) guarantee up to R$ 250,000. The FGC is a credit guarantee fund that guarantees you up to R$ 250,000. So if you have, say, R$ 250,000 or R$1,000 invested here in this type of PicPay application. If, for example, the bank mentions something like that, you have that redemption option, but there you have to set all the FGC details, for example, just by CPF (Brazilian individual taxpayer registration number). For example, if you have invested in two institutions and both are part of the same group, you will not recover the full amount. For example, if you have, let's say, a PICP (Personal Identification Number for Public Employees), you have R$ 250,000 here under your CPF (Brazilian Individual Taxpayer Registry) and at another institution you have R$ 250,000, and both are part of the same group, you will only be able to cover R$ 250,000, not the total of R$ 500,000. This is the case, for example, with Banco Master and Willbank. OBank was marching with the same group. So if you had 250,000 in Willbank and 200,000 in the securities at Banco Master, man, just one of the two wouldn't total 500,000. So you have to pay issues as well. So, in the case of PicPay, the FGC will cover you with these investments you have made in either of them. This is an FGC. In the video we brought here from Banco Master, we have more details minute details on how the FGC works. And just this tip security issues so you can invest safely, with a guarantee, is worth your because that will help a lot. I 'm sure this tip was well worth it for you to watch this video. So here we have this type of investment with very low inherent risk, and PPay will give you that worry-free investment. Who is this type of investment for? We'll understand that later , okay? We'll understand this in the section about negative interest rates. So now we can find out worthwhile and for whom this type of investment is suitable. I prepared this material here, and it's really cool. I used my own real data to something that, if you haven't already noticed, most Brazilians do n't even pay attention to: the issue of negative interest rates , okay? So here, to summarize, we have was 11,489, right, which I showed you, my net income of 762,221, and we have the tax that was paid of and we have the tax that was paid of 181.75, right, adding the two types of investments together. And here we have an accumulated IPCA (Brazilian inflation index) of 3.2% during the period I made the investment. So, in summary, considering the profit I made, I had a nominal profit of 6.62%, which represents a 6.62% profit, meaning I had an average monthly profit of 1%, catch here: we have to subtract the real return from the nominal return. Why? Because we had inflation Why? Because we had inflation of around 3 percent there, right? In other words, 50% of what I earned was eaten up by inflation. So, taking a general overview, my So, taking a general overview, my total income was 944, but I paid 181 in profit, leaving a little over 600. But I have to deduct inflation, which ate up part of my capital, almost 50% inflation was a little over 30%, meaning another 368 was deducted. In the end, the real profit obtained in this period was only 395. So, sometimes people think, "Oh, I earned this much," but they haven't yet considered the tax that was paid, that was deducted from that amount, and even less so, they haven't paid passes, inflation eats more of our capital, our money. In other words, increasingly devalued. So, during that period our capital, this money I had here, it devalued by a little over 3, meaning the real profit I ultimately obtained was only 395. I ask you again, what was your answer previously? Was the investment worth it ? Now I ask you, knowing about negative interest rates. Was it worth it for you? Leave a comment below. comment here and let me know if this opened your eyes, okay? Many people invest. Now I want to draw parallels, okay? To show precisely what the solution is for these negative interest rates , it's important to clarify who this type of investment is for, and when it should be made. I borrowed the same amount here, 11,489,489, okay? Considering different investments there , okay? That same investment I made, right, that gave me this return here, and I considered Bitcoin and also the dollar, okay? Specifically, digital dollars, that is, Steblecoin, cryptocurrencies pegged to the dollar, specifically USDC and SDT are the most secure, taking them and putting them in some kind of DeFi application, okay? Because it's pointless, not that it's useless, but if you only have dollars, you'll logically be holding a strong currency, protecting yourself from the devaluation of the real, which is a weaker currency. However, depending on the situation and the time period, sometimes investing in the dollar is profitable. Now, if you have dollars, a strong currency protecting yourself from inflation, protecting yourself from the devaluation of the real, and you also invest it in some kind of investment, considering an average return of 8% (which I'm giving here), then things get even better, the scenario gets even better. meaning Tablecoin in some DeFi application, taking an average of 8% per CDB is the result we've already had, okay? In Bitcoin, we would have R$ 2,958 less. Then you say: "Ah, so no, it's not see the plot twist." And here, considering the stablecoin, we would have a very different final result. Why? Here, our loss would be around 1300. This is without any yield, without any return, just holding it for the dollar. And if we had the dollar plus an annual rate of 8%, we would have a loss of R$ 901. In other words, in this scenario, during this period, considering the macroeconomic situation as a whole, what was worthwhile here was investing in CDBs (Certificates of Deposit). Then you say: "So, investing in Nubank, PicPay, and things Bitcoin, better than investing in dollars, and so on." No, no, it doesn't work The first thing I want you to understand here is negative interest rates. To determine your final profit, you have to consider what the inflation rate was for that period. And another detail, there's nominal inflation and there's So you have to do a lot more calculations behind the scenes to know exactly what the inflation was during that period, okay? That's a fact. So, comparing the investment I made yielded more... well, the dollar, right? Stablecoin had a negative result, and Bitcoin had an even more negative result. But this is where things start to change , okay? First, let's take the base of this pyramid here, okay? This isn't the first Ponzi scheme; this base isn't investment advice, it's experience here, okay? Ah, this type of We have three examples here, right? Here we have CDB, eh, CDI, CELIC, etc. those things. Who is this type of investment for? It's for those who want to invest Traditional investors who still want to be in the real market want to follow want to invest safely, with peace of mind, and with style? It's also for those who want to move away from savings accounts. Ah, savings accounts don't yield anything, man. If you savings, then you'll see that you 're always losing money. Your profit, okay? The actual profit is going to be negative, right? Negative interest rates. And it's also for those who haven't invested anything yet, man. If you're here, right? Now, if you haven't invested your money, it's just sitting there in your , you're down here, way down there, at zero. Now, ah, I at zero. Now, ah, I started investing heavily already at a higher level. So what I see here, okay, what I see is for those who my view, it's for those who want an emergency fund. I want to put my security so that whenever I need to, I can rescue myself there and use it, I'm already especially for those already in the crypto market, those with in short, those who are more involved in the market, okay? It's for those who want an emergency fund, but also for those who are in the middle of nowhere . Nowadays, with the opportunities at any time to make any payment. So it's more for . This is what I see, the foundation. The basis is for those who want to protect some of their capital, simply by not leaving it idle, okay? Leaving as security for an emergency fund. That's where stablecoins come in, right? They're for right? Which are cryptocurrencies pegged to the dollar, like the SDT and SDC examples given here, which are the strongest and safest. Place it there because you are already protecting yourself from the weak currency, which is the real, or from the devaluation of the real against the dollar. take that dollar and put it into some investment, depending on the scenario, you 'll see that you'll have a higher return than investing it in reais alone, because you'll be protecting yourself from devaluation, you'll be getting a higher return, right, in dollars, and that's without even considering the scenarios, depending on the scenario, the real will devalue a lot, right? With their currency appreciating there, and inflation above 13%, you're in dollars will protect you. So there are variables, okay? But overall, in the long run, the dollar will always be more worthwhile, especially if you're investing in stablecoins. Here in the DeFi world, right? There's even the issue of using apps like AV and such, man, I wouldn't even include that here because you might get around 8% annually, but if you invest in liquidity in stablecoins, for example, you'll get a higher yield, like 8, 9, or 10%, there are several variations, but protection in stablecoins, plus DeFi investments, man, that will Real in the long run. And Bitcoin, man, is for capital protection, it's a store of value, that's a fact. And appreciation, that is, to accumulate wealth, so that over time, by investing more and more, you achieve financial freedom and protection. Well, I don't see Bitcoin pegged to other currencies; I see Bitcoin in terms of its intrinsic value, that right? Sometimes you see Bitcoin depreciating against the Brazilian real, but in more valuable and increasingly scarce, while the real is printed more and more. So in any scenario, Bitcoin, no matter how much it any other asset. So, a little ladder here. Ah, I want investment there for an capital protection and accumulating something. Dollars for you and stablecoin for you, I don't know, I 'll even show you that you can use SDT Stable Coin whenever you want for capital protection, investment, and in DeFi, and you can use it as cash to multiply in other altcoins at the right times and invest in Bitcoin, accumulating capital. This is the scenario I'm presenting here. So, in the short term, Bitcoin and stablecoins have performed worse than investments in Brazilian Real. However, in the long term, it's real. So, taking the scenario from 2020 to 2026 here, using the same data, the same numbers, if it were only in savings, it would be 32% here, right? In that period, it would go from 11,000 to 15,000, a little over 1000. However, inflation was 38%, meaning you would be in the negative, as I gave the example I mentioned earlier in Stablecoin. If it were only in the purchased version without any investment, it would be 22%, right? So you would still have savings or even treasury bonds there, you would have, right, a CDB, anyway, the little boxes I'm giving as examples, you would have a smaller profit, but if you made some investment, you would have 92, that is, here you already surpass the CDB, the little boxes investment in reais that I'm considering here, okay? In other words, we would have a better result than the actual one, meaning the scenario here is already Bitcoin, with a 950% increase in value, reaching R$ 121,000. R$ 1000, that's a lot of money. So, in the long run, the weaker the real currency, it will always depreciate, it will be worth more and less, actually. So, the peace of mind, and by understanding Bitcoin, putting it in a wallet, multiplying it more and more. So, that's how I see the PICPI fund, including the option we have for an emergency fund. So, I see the After that, any investment balance in MUV is stablecoin, making some kind of investment and using that balance for multiplication, knowing how to do it in the market with altcoins and everything else, in short, there are several strategies in various ways to accumulate more and more bitcoins. So it's not that I'm saying this is the worst option, no. If you're in the real world and you have those you're in the real world and you have those CDB, CDI, Selic rate boxes there, man, but on a larger scale. I see these options here as the best options. So to you who this type of investment is for, both the PicPay box, the PicPay fixed income, and given you. So, to escape negative interest rates , as I said, the best thing to do is invest in dollars, a strong currency, some kind of investment, and the crypto market in general, but mainly Bitcoin. The other part of the market is for those who already as you pay attention, as you study, you'll be able to grab good slices. So, here's a summary . Saving money slowly makes you poor , doesn't it? A Certificate of Deposit (CDB) sustains you, but Bitcoin historically transforms you, right? It will exponentially increase your wealth more and more. So, . So what are the steps you should follow? First, open an account with even recommend Binance to you, okay? We create content here about Binance, and we've been doing this for a So, Binance is the largest crypto exchange in the world, just like any BP app, or any other banking app, you register buy digital dollars. The first step, the second step is to keep your further, because then you have more security than any financial institution. Then recommendation, a physical wallet, okay? That will give you more security. This right here, in my hand. This thing here in my hand, this is a wallet, okay? This is a wallet. It can easily be used as an accessory. People here usually wear them, especially those tech rings and stuff, I usually wear mine on this finger and it looks really cool too. But I didn't order not the right size, but people here like to use it, right? But I'll want it recommend is this one from Tend, where you can safely store your cryptocurrencies. It's you also have the liquidity I mentioned, meaning you can buy anything with crypto without having to withdraw cash or anything like that. So you have the liquidity you would have in Brazilian reais, but in crypto, in a strong currency. So that's the second step, having a secure wallet. And that's a second step, take, if you want more versatility, is to use scripto cards. And then we also have the "a cas" where we bring various content here. I'll be leaving the links for all of them First step, use the Binance exchange to deposit and buy US dollars, and ultimately, buy Bitcoin. I'll leave you with the Tang wallet where you can store your cryptocurrencies, including using it for DeFi interactions, investing in dollars, and storing your cryptocurrencies in general. And if you want to make use of your cryptocurrencies in your daily life, in addition to the card, in addition to Binance, in addition to the wallet here at Tangent and Binance, you also have crypto cards. I'll tell you about cash here, which is the solution for negative interest rates. The world is the solution, the crypto world, through all its technology and all the resources that I'll even leave materials here about the wallet, about Binance channel, activate the notification bell, and select the " all notifications" option so you can content that will help you in the crypto market as a whole. Finally, on the channel, because by becoming a member you have access to several exclusive benefits, such as early access to content and also exclusive content. And now, to a video here about Tang so you can learn more about this wallet. In short, you're going to you'll understand it better; it 's not just the card. This video will Binance playlist, showing you how to register, deposit, withdraw, buy – we have everything. And it's also on that channel that you can find various content about the Cash card. today's video. Register using the apps and other recommendations I gave you. And we'll see each other in the next video.