You’re used to making transfers via Alipay—1 second for the funds to arrive, with 0 fees. But in Brazil, if a small import-and-export business wants to exchange reais for dollars to pay suppliers, it has to wait 2 days, pay a fee of 3-5%, and you can only do it during bank working hours. It can’t be done at night, it can’t be done on weekends, and if the amount is less than $10,000, the banks simply don’t want to bother with you..