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Central Bank Announces Creation of a Cap on Pix and New Rules for Fintechs in 2025. Measures Aim to Increase Security and Curb Crimes.
The Central Bank (BC) confirmed that it will implement regulatory changes to strengthen security in the Brazilian payment system. The measures, which will be detailed in a press conference this Friday, September 5, 2025, in Brasília, include the creation of a cap for transfers via Pix and TED, as well as new capital requirements and technical specifications for fintechs.
The decision aims to curb financial crimes and expand control over high-value operations.
According to a source cited by Reuters, the initiative seeks to reduce the risks of cyberattacks and prevent criminal organizations from using fintechs to move large amounts illicitly.
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The measure also accelerates the oversight schedule over payment institutions, bringing fintechs into the regulatory radar as early as 2026, three years earlier than initially planned.
What Changes with the Cap for Transfers on Pix
One of the most anticipated innovations is the Pix cap, which will limit the maximum amount allowed for each bank transaction, both for individuals and businesses.
According to the source, the limit will be set at a level considered “high enough not to disrupt payment routines,” but will make large transactions more challenging in a single operation.
The idea is to facilitate the detection of suspicious activities, as large transactions can be tracked more efficiently.
This decision comes after recent cases of attacks that diverted hundreds of millions of reais in a short period, demonstrating weaknesses in the current system.
Fintechs in the Crosshairs of the Central Bank
Fintechs, which offer digital solutions in the financial sector, are also at the center of the changes. The Central Bank intends to require more capital and technical robustness from these companies, especially from the so-called Information Technology Service Providers (PSTIs).
Companies like C&M Software and Sinqia, which have already been targeted by hacker attacks this year, are among those that will need to comply with the new rules.
Part of the market may not be able to meet the requirements, which is likely to lead to consolidation in the sector.
Moreover, the BC wants to advance the deadline for fintechs to comply with the official regulations from 2029 to 2026, increasing its oversight power over the activities of these institutions.
Combating Organized Crime in the Financial System
The tightening of the rules is directly linked to the escalation of investigations against the use of fintechs by criminal factions.
Operation Carbono Oculto revealed that accounts opened in some payment institutions were used for money laundering.
Another point of concern is the so-called umbrella accounts, created in traditional banks through fintechs, but difficult to track the end customer.
This mechanism can be exploited by organized crime, making oversight even more complex.
At the same time, the Federal Revenue Service had already announced new obligations for fintechs, requiring more detailed reports on customers’ financial transactions.
Expected Impacts on the Market and Users
Although the announcement raises concerns among companies in the sector, the Central Bank assures that the Pix cap will not have a negative impact on the day-to-day life of the population.
The expectation is that the measure will increase security and provide more confidence for users of the digital payment system.
Experts believe that the changes may lead to consolidation in the fintech market, strengthening more structured companies and eliminating those that cannot adapt to the new technical and financial requirements.
At the same time, stricter oversight should help reduce financial crimes and shield the system against attacks that cause multimillion-dollar losses.
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