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Central Bank issues new rule and confirms end of PIX service as we know it
O The Central Bank has made a serious change to PIX, and starting next year, the instant payment service as we know it will change drastically.. With the new rule, approved by the government, PIX will gain a new look, and the promise is more practicality, security and even integration with Open Finance. Below, we explain everything you need to know about this change.
What changes with the new Central Bank rule?
O PIX, which is already part of our routine, has undergone a significant transformation in the hands of the Central Bank. A main change brought by the new rule involves the implementation of payment by approximation via NFC (Near Field Communication), a technology that will allow faster and safer transfers, without the need to open the bank app. Now, just bring your cell phone closer and that's it, transaction done!
According to the Central Bank's Director of Regulation, Otávio Damaso, the integration of PIX into the Open Finance system will centralize everything in one place, making it even easier to use. This means that, in addition to simplifying payments, the platform will allow users to connect multiple accounts from different banks in a single app., eliminating the need to jump from one application to another.
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Impressive numbers and the evolution of PIX
The numbers don't lie: in June of this year, PIX broke a record, with 206,8 million transfers made in a single month, according to the 'Monitor do Mercado' portal. With the implementation of new features, this number is expected to grow even more. After all, the ease of paying by simply tapping your cell phone will attract even more people to the system.
And it doesn't stop there. The Central Bank is looking to the future and wants PIX to continue evolving. With Open Finance, the service will integrate more broadly into the Brazilian financial system, making transactions faster, safer and easier. The goal is for PIX to continue to be indispensable in the lives of Brazilians, but now with a new and much more agile look.
Checking forgotten money at the Central Bank
While we're on the subject, it's worth remembering that many people have money forgotten in their bank accounts and don't even know it. The Central Bank has a platform called “Valores a Receber” (valoresareceber.bcb.gov.br), where any Brazilian can check if they have any lost balances, whether from old accounts or even from family members who have already passed away.. Here's the tip!
Will PIX improve or complicate things?
If you are wondering whether these changes brought about by the new rule at the Central Bank will complicate users' lives, the answer is: quite the opposite! The promise is that everything will become more practical and safe. Paying by contactless means and having all your accounts in one place is the future, and the Central Bank wants this future to arrive soon.
Now We just have to wait until next year and see how PIX will transform.But one thing is certain: the Central Bank continues to innovate and make our lives easier, and PIX, even with the changes, will continue to be one of the main payment methods in the country.
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So, get ready, because 2025 promises to bring a revolution in the way we make bank transfers!
