Central Bank Prepares New Features for Pix, System Already Handles R$ 3 Trillion Per Month and Could Completely Replace Cards and Invoices in Brazil

Written by Maria Heloisa Barbosa Borges

Published on 28/08/2025 at 09:46

Updated on 28/08/2025 at 09:47

Banco Central prepara novas funções para o Pix, promete parcelamento e crédito mais barato, mas bancos alertam para rombo bilionário no setor de cartões tradicionais

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Central Bank Prepares New Features for Pix. New Resources Include Installment Payments, Credit Guarantee, and Offline Payments by 2027

The Central Bank is preparing new features for Pix that are expected to change the way Brazilians and businesses use the instant transfer system. The idea is to expand the reach of the payment method, provide alternatives to credit cards, and enhance security against fraud.

According to data from the BC itself, in July 2025, Pix recorded 6.67 billion monthly transactions, moving R$ 3.05 trillion — nearly three times the country’s monthly GDP. Valor Econômico was the first to detail the schedule of the news.

What Changes with the New Pix Features

Among the main features anticipated are:

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Impact on Consumers and Businesses

For the average consumer, the Installment Pix is expected to be the most visible change, providing an alternative to credit cards. The difference is that, while in the card the merchant bears the costs of interest-free installments, in Pix the customer can assume fees, but with direct discounts on the purchase price, since the merchant will receive the amount upfront.

For businesses, especially small enterprises, the Guarantee Pix should facilitate access to credit with lower rates, as future receivables will serve as collateral. This model can reduce dependence on more expensive credit lines and increase competitiveness.

Security Against Fraud

Another central point is the MED 2.0, which strengthens protection against scams. Currently, the mechanism can only track money to the first destination account. The new version will allow tracking the flow even after several transfers, increasing the chance of recovering diverted funds.

This change is considered essential because Pix has already replaced cash in many transactions, and complex frauds have become more common.

The Central Bank is preparing new features for Pix that are expected to further transform the Brazilian payment system by 2027. Focusing on installments, credit, security, and digital inclusion, Pix is consolidating as a key element in the daily life of millions of people and businesses.

And you, what do you think of these changes? Will Installment Pix really replace credit cards? Can Offline Pix make your life easier on a daily basis? Leave your opinion in the comments — we want to hear from those who live this in practice.

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Central Bank Prepares New Features for Pix, System Already Handles R$ 3 Trillion Per Month and Could Completely Replace Cards and Invoices in Brazil

Central Bank Prepares New Features for Pix. New Resources Include Installment Payments, Credit Guarantee, and Offline Payments by 2027

What Changes with the New Pix Features

Impact on Consumers and Businesses

Security Against Fraud

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Central Bank Prepares New Features for Pix, System Already Handles R$ 3 Trillion Per Month and Could Completely Replace Cards and Invoices in Brazil

Central Bank Prepares New Features for Pix. New Resources Include Installment Payments, Credit Guarantee, and Offline Payments by 2027

What Changes with the New Pix Features

Impact on Consumers and Businesses

Security Against Fraud

A giant printer called the “Ferrari” of concrete has landed in Latin America and can already build a 120-square-meter house in just 48 hours, making the traditional construction site look like something from the last century.

Brazil will harvest a record crop of up to 357 million tons of grains, but it does not have the capacity to store a large part of it. The storage deficit has reached the highest level in history and is equivalent to almost the entire production of Argentina.

Four times faster than the Concorde, capable of taking passengers from New York to London in less than an hour at Mach 5.5, and with an engine that switches from turbojet to ramjet mid-flight at Mach 3.5, the Hermeus Quarterhorse went from paper to its first flight in just 19 months.

She started by collecting oyster shells from restaurants and today she has already accumulated more than 10 tons to restore reefs, recover coastal habitats, and demonstrate how a common waste can become a tool for ocean conservation.

SpaceX will dock a $843 million vehicle to the International Space Station to push a nearly 420-ton laboratory against the atmosphere and make the debris fall in a controlled manner into the ocean.

Scientists considered detonating 213 nuclear bombs in the Sahara to create an artificial sea the size of El Salvador, with each explosion being a hundred times more powerful than the Hiroshima bomb, and the goal was to generate more energy than Egypt’s largest hydroelectric plant.

Heir worked at thirteen in an ice cream factory without revealing he was the owner’s son; today, at twenty-five, he leads the best-selling ice cream brand for home consumption in the Northeast, grosses almost R$ 300 million, has 145 stores, and competes with multinationals with regional flavors.

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