# Brazil instant payment technology evolution > Live situation record from CLSTR: https://clstr.news/situations/brazil-instant-payment-technology-evolution > Updated: 2026-08-27T09:02:05.000Z. Sources: 18. Developments: 2. The Brazilian financial landscape continues to transform through the dominance of the Pix instant payment system and the emergence of embedded finance. Following its initial success in facilitating immediate transactions and driving financial inclusion for millions, Pix has reached massive scale, processing nearly R$35 trillion in 2025. The system’s infrastructure is currently evolving to accommodate rising demand, with expectations to support up to 10,000 transactions per second. At the FEBRABAN TECH 2026 event, industry leaders highlighted a growing convergence between retail and finance. Non-financial companies are increasingly integrating credit, cards, and digital payment solutions directly into customer journeys. This shift is bolstered by significant capital inflows, with banking technology investment projected to reach R$50.4 billion in 2026. Digital integration remains a priority in public administration, such as the Poupatempo program in São Paulo, which utilizes Pix for essential administrative fees. To manage the transition between digital and physical currency, hybrid solutions like those from Prosegur Cash—allowing cash withdrawals via Pix QR codes—continue to serve as a bridge. Additionally, global payment leaders are now focusing on the potential international expansion of these domestic payment models. ## Timeline ### 2026-08-27: Brazil's financial landscape shifts through Pix and embedded finance Brazil's financial sector is transforming through the widespread adoption of Pix and the rise of embedded finance, as retail companies integrate credit and digital payment services into their operations. 18 sources. https://clstr.news/cluster/pix-revolutionizes-instant-payments-in-brazil ### 2026-07-30: Brazil's 99Pay Secures Central Bank License to Operate as Financial Institution Brazil's Central Bank approved 99Pay to operate as an SCFI, expanding its credit services, funding options and product development for its 28 million‑user digital platform. 4 sources. https://clstr.news/cluster/brazils-99pay-secures-central-bank-license-to-operate-as-financial-institution --- Cite as: Brazil instant payment technology evolution. CLSTR, https://clstr.news/situations/brazil-instant-payment-technology-evolution