If I transfer money from my bank account to my wife’s bank account I don’t really care about privacy. I just want to move fiat the cheapest way possible

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Hi, why don't you use xapobank.com? I'm from Brazil and I'm using it here and it's amazing.

Your wife can use Xapo debit card in all Brazil stores. Xapo is a Gibraltar bank and they have Bitcoin account and USD account. You can deposit USD, using USDC.

They even support lighthing payments.

But if your wife really needs Brazil bank features, you can open an account for her in bipa.app. They support receive using lightning and allow to sell and spend using PIX.