ONE vs Hotmart
Both let you sell courses, ebooks and downloadables without registering a company. The difference: with ONE you get paid in dollars, straight to your wallet, with no bank and no 30-day wait.
No monthly fee. You will see the difference on your first payout.
THE MONEY
With Hotmart, your money goes through several filters before it reaches you. With ONE, it is yours when the payment clears.
Hotmart works. But if you sell from Latin America and want dollars, the payout path matters as much as the fee.
The path of a Hotmart payout
- 01
You wait 30 days
Withdrawals only open 30 days after the sale is approved.
- 02
You need a bank
To get paid outside Brazil you must register a bank account. There is no other option.
- 03
The transfer crosses banks
It can take 5 to 10 business days to show up in your account.
- 04
Conversion has a cost
Moving from dollars into local currency adds FX fees, and your balance is exposed to the rate the platform settles at.
Result: between the sale and usable money, weeks can pass — with a bank in the middle, conversion fees, and a balance that turns into local currency without you choosing when.
With ONE, your money is yours the moment the payment clears.
Settlement lands as USDC straight in your wallet. No bank account. No 30-day window. No interbank routing. It is dollars you control — not a balance waiting inside a platform. You hold it, move it, and convert it when and how you want.
Side by side
Not just the fee: also the currency, the timing, and who holds your funds.
| ONE | Hotmart | |
|---|---|---|
| Currency you receive | USDC (digital dollar) | Converted to local currency on withdrawal |
| Do you need a bank? | No, just a wallet | Yes, required |
| Time until you have the money | When the payment clears | 30-day wait + 5 to 10 business days for the transfer |
| Who holds your funds? | You. ONE never touches your money | Hotmart, until withdrawal |
| Cost per sale | 3.99% + USD 1 | 9.9% + USD 0.50 |
| Withdrawal | No withdrawal: it is already in your wallet | USD 1 per request, USD 50 minimum |
The math, with real numbers
What each platform keeps on a single sale, before local taxes and conversion costs.
| Price | Hotmart keeps | ONE keeps | Difference |
|---|---|---|---|
| USD 10 | USD 1.09 | USD 1.40 | USD 0.31 in Hotmart's favor |
| USD 50 | USD 5.45 | USD 3.00 | USD 2.45 in ONE's favor |
| USD 100 | USD 10.40 | USD 4.99 | USD 5.41 in ONE's favor |
| USD 500 | USD 50.00 | USD 20.95 | USD 29.05 in ONE's favor |
| USD 1,000 | USD 99.50 | USD 40.90 | USD 58.60 in ONE's favor |
On a USD 100 sale, with Hotmart you pay USD 10.40 and keep ~USD 89.60 — still inside the wait-and-bank loop. With ONE you pay USD 4.99 and keep USD 95.01 in USDC, in your wallet, when the payment is approved.
When Hotmart is the better fit (said straight)
Not everything is for ONE. If your strategy looks like any of these, Hotmart is a strong tool.
CHOOSE HOTMART IF
- You want an army of affiliates selling for you. Hotmart's Affiliate Marketplace is its biggest strength, and ONE has no equivalent today.
- You want a full learning environment. Hotmart Club is a mature members area: a mobile app for your students, completion certificates (with QR authentication), quizzes with a minimum score to pass modules, and live classes. ONE's course is more direct — modules, lessons, video and PDF.
- You want maximum brand reach: 30+ payment methods and buyers in 180+ countries, with a checkout people already recognize.
CHOOSE ONE IF
- You sell abroad and want real dollars without depending on a bank.
- You want the money in your wallet when the payment clears, not weeks later.
- You already have your own audience and do not need an affiliate marketplace.
- You prefer a lower fee and less setup: payment link, downloadable or course ready in minutes.
Fewer buttons. Fewer detours. Sell today.
You do not need to know design, funnels or configuration. ONE is built so you can turn what you know into a product and get paid.
Payment link
A checkout URL with no website, no integration and no bank account. Share it and you are done.
Downloadables
Upload the file once and sell it as many times as you want. The buyer receives it automatically.
Courses
Modules and lessons, with video included. Your student gets access after payment, with nothing left for you to do.
AI landing page
ONE asks you a few questions — one at a time, like a chat — and builds the full page from your answers: headline, pain, who it is for, what is included, testimonials and price. No editor. Ask for a change and the AI regenerates it.
Frequently asked questions
Hotmart is a full platform with a marketplace, affiliates and many payment methods. ONE competes on how, when and in which currency you get paid: you settle in USDC straight in your wallet, with no bank and no 30-day window, at a lower fee on mid and high tickets.
It depends on price. Hotmart charges 9.9% plus USD 0.50 on sales above USD 15 (and 9.9% plus USD 0.10 on micro-sales). ONE charges 3.99% plus USD 1 on every sale. On a USD 100 sale you keep USD 95.01 with ONE and USD 89.60 with Hotmart — and with ONE that balance is already in your wallet.
No. You can operate as an individual. You also do not need a foreign bank account: the money is credited in USDC to your own wallet.
No. They can pay with Pix, bank transfer, SPEI, PSE, card or crypto. When they pay in local currency, the conversion to USDC happens on ONE's side.
Yes. They are independent. Many creators use Hotmart for affiliates or installments, and ONE to sell to their own audience and get paid in digital dollars.
No. Creating an account is free, with no monthly fee and no card required. If you do not sell, you do not pay. The difference shows up in how your first payout arrives.
If you sell abroad and want real dollars without depending on a bank, ONE is for you.
Create your free account, upload your first product and get paid for your first sale in USDC. No monthly fee, no risk, no detours.
Create your free accountHotmart fees cited here come from its official help center and were verified in July 2026. They may change without notice. Calculations exclude local taxes and conversion costs, which vary by country. Hotmart withdrawal timelines can vary by method and country.