New BeInCrypto research shows how Latin Americans are increasingly moving their everyday income and business payments through digital-dollar platforms outside their domestic banking systems.
Even though Latin Americans are staying and working within local economies, their money is being quickly transferred to foreign platforms within 30 days. The types of funds include contractor pay, customer payments, export revenue, and money used to settle supplier invoices.
More than 99% of the stablecoin volume withdrawn from exchange-linked wallets tracked by BeInCrypto moved again within 30 days. The average withdrawal amount is $544, while the annualized withdrawal reached $31.5 billion in 2026.
The findings appear in The Exodus Economy, BeInCrypto’s new report on how Latin American money moves beyond domestic financial systems while most of its owners continue living and operating at home.
Latin America’s Money Rarely Stops Moving
BeInCrypto analysed groups of wallets withdrawing stablecoins from verified exchange addresses. Every measured group moved at least 96% of its withdrawn volume within one month.
Across the full dataset, the figure exceeded 99%.
The March 2026 Bitso cohort on Tron shows the pattern clearly. Around 89% of withdrawing addresses behaved as pass-through wallets, moving at least 90% of their funds within 30 days.
Another 5% fell between active users and long-term holders. Only 6% qualified as savers, meaning they left at least 90% of the withdrawn balance untouched for 90 days.
Why Latin Americans are Moving Money Abroad
Many Latin American workers and businesses now earn money from foreign employers or customers. However, their expenses remain local.
Stablecoins such as USDT and USDC allow them to receive dollar value, keep it briefly and convert only what they need into pesos or reais.
A freelancer can receive pay from a US company or collect revenue from an overseas customer. Also, a business can use the same balance to pay a foreign supplier.
Currency pressure also shapes this behaviour. Holding local currency can quickly reduce purchasing power in countries experiencing high inflation or depreciation. Digital dollars allow users to delay conversion and keep part of their income linked to the US dollar.
The motivation differs across the region. In Argentina, dollar access can protect income from currency instability.
In Brazil, it provides access to global spending and investments. In Mexico, digital-dollar rails operate alongside one of the world’s largest remittance markets.
The Rails are Holding Money for Longer
BeInCrypto’s Dollar Half-Life measures how long it takes for half of a withdrawn stablecoin balance to move again. It increased from 4.7 days in March 2025 to 10.9 days in March 2026.
The blockchain data measure wallet movements. They cannot identify every transfer as a salary or reveal its final destination without additional wallet attribution. The findings show that tracked digital dollars move quickly and increasingly support everyday cross-border financial activity.