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Pix system expands in Brazil with international and credit integration plans
The Banco Central do Brasil has released its 2023-2025 Pix Management Report, outlining significant growth and future strategic developments for the instant payment system. In 2025, Pix transactions increased by 25.7%, with the total financial volume exceeding R$ 35 trillion. Approximately 148 million people used the system, which has become a central pillar of Brazilian retail.
Key future initiatives include studying the interconnection of Pix with international payment systems and multilateral global hubs to facilitate faster, cheaper cross-border remittances. The Central Bank is also exploring the integration of Pix with the credit market, allowing future transaction flows to serve as loan guarantees. Other planned innovations include offline proximity transactions and an automated Pix feature to replace traditional account debits.
To enhance security, the Central Bank is implementing several measures, including the creation of a real-time fraud probability score using artificial intelligence and machine learning. Additionally, a working group has been established to address the misuse of the transaction description field, which has been used to send offensive or threatening messages. The report also highlights a shift in user demographics, with fintechs now accounting for 50% of the volume of transactions, while traditional multiple banks still control 61.3% of the total value moved.
Entities
Abrasel · Banco Central do Brasil · Brazil · Central Bank of Brazil · Flávio Bolsonaro · Genial/Quaest · Getnet · Luiz Inácio Lula da Silva · Mastercard · People's Bank of China · Pix · UnionPay International
Claims
What the coverage asserts, and how many sources carry each claim.
- [● 5 SOURCES] 19% of respondents do not trust the Pix system. aredacao.com.br · www.diariodocentrodomundo.com.br · tribunadepetropolis.com.br
- [● 5 SOURCES] 80% of respondents trust the Pix payment system. aredacao.com.br · www.diariodocentrodomundo.com.br · tribunadepetropolis.com.br
- [○ 1 SOURCE] Brazil and China have launched a pilot project to integrate the Pix system with UnionPay International. www.escenariomundial.com
- [○ 1 SOURCE] Approximately 30% of Brazilian consumers use credit cards to pay for basic expenses like utilities and groceries. aeroportos.org
- [○ 1 SOURCE] Getnet and Mastercard are partnering to launch Pix using biometric authentication for e-commerce. seucreditodigital.com.br
- [● 4 SOURCES] The Catholic Church has 76% trust and the Military Police has 75% trust in Brazil. aredacao.com.br · www.diariodocentrodomundo.com.br · tribunadepetropolis.com.br
- [○ 1 SOURCE] Pix ended 2025 with 926 participating institutions. www.dgabc.com.br
- [● 5 SOURCES] Pix transactions rose 25.7% in 2025 compared to the previous year. jack1065.com · wixx.com · wkzo.com · www.cnnbrasil.com.br · amanha.com.br
- [● 3 SOURCES] Pix accounted for 20.5% of in-person sales in bars and restaurants. conexaomarilia.com.br · netdiario.com.br · focuspoder.com.br
- [DISPUTED] 148 million people used Pix in 2025. amanha.com.br · abranet.org.br · www.cnnbrasil.com.br · jack1065.com · www1.folha.uol.com.br · +1 more
- [● 15 SOURCES] The Central Bank is studying the interconnection of Pix with international payment systems and multilateral global instant payment mechanisms. jack1065.com · www.spacemoney.com.br · wixx.com · wkzo.com · destakjornal.com.br · +8 more
- [● 3 SOURCES] Pix transaction volume exceeded R$ 35 trillion in 2025. www.cnnbrasil.com.br · amanha.com.br · jack1065.com