Real CBDC Project Proposes Full Tracking of Transactions by CPF and CNPJ and Withdrawal of R$ 100 and R$ 200 Notes

Written by Sara Aquino

Published on 22/09/2025 at 10:34

Projeto de lei propõe a criação da CBDC do real, substituição do dinheiro físico e rastreamento de todas as transações por CPF ou CNPJ. Saiba o que muda. Imagem gerada por IA

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Bill Proposes the Creation of the CBDC of the Real, Replacement of Physical Currency, and Tracking of All Transactions by CPF or CNPJ. See What Changes.

A Complementary Bill (PLP) currently under consideration in the Chamber of Deputies could eliminate the use of cash in Brazil, proposing the adoption of the CBDC of the Real as a digital currency issued by the Central Bank.

The proposal, presented as an amendment to PLP 214/2020, provides for tracking all financial transactions by CPF or CNPJ, both for individuals and companies, as a means of control and transparency.

The measure has been under analysis by the Finance and Taxation Committee since 2025.

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What the Text Foresees About the CBDC of the Real

The proposal establishes that R$ 100 and R$ 200 notes be gradually withdrawn from circulation within up to 24 months after eventual approval.

Over time, all financial transactions would become digital, a process expected to extend for up to five years.

Additionally, all electronic payments and transfers would be required to identify the CPF or CNPJ of the sender (the one who sends) and the recipient.

In other words, each transaction would be clearly linked to a person or company.

Why the Country is Considering the CBDC of the Real

The justification for the PLP includes combating corruption, money laundering, and reducing government expenses related to the issuance and distribution of physical money.

According to the text, the highest denomination bills — R$ 200 and R$ 100 — would primarily be used in informal or illicit activities.

Another reason is to follow international examples of countries that have very low cash usage, such as Sweden, Norway, and Denmark.

These countries are cited in the proposal as references for a future without cash.

How the End of Physical Currency Would Look

Only lower denomination notes (such as R$ 2, 5, 10, and 20) and coins of some cents would be kept at first.
Within five years, all financial activities are expected to be conducted via a digital system.
Institutions authorized by the Central Bank would provide “digital wallets,” equivalent to financial accounts, to operate the new digital real.

Impacts and Concerns About the CBDC of the Real

The proposal generates debate about privacy, given that tracking by CPF or CNPJ would imply complete monitoring of transactions of individuals and companies.

Mandatory identification in all electronic payments raises questions about how to protect personal data.

There are also concerns that many citizens depend on physical cash, whether due to habit, limited internet access, or unequal digital infrastructure.

The transition to a fully digital society may leave out those who do not have regular access to banking services or connectivity.

The text does not detail complete solutions for this, but the issue emerges in public debate.

Expected Stages of the CBDC of the Real PLP

Approval of the substitute by the National Congress.
Gradual withdrawal of higher denomination notes (R$ 100, R$ 200), with defined deadlines.
Establishment of digital wallets by authorized institutions.
Mandatory identification by CPF/CNPJ in all digital transactions.

9 Comments

most recent

older Most voted

Thais

#178430

24/09/2025 18:53

Se fosse uma moeda criada em tecnologia blockchaing talvez trouxe um pouco mais de transparência e poderia talvez manter a privacidade com possibilidade da rastreabilidade, mas da forma que estão fazendo querem apenas controlar o dinheiro do povo e o povo. Tempos sombrios caminhamos para uma era comunista, com mistura de **** e socialismo

Respond

Cláudio

#178201

24/09/2025 10:47

Bem vindos a **** comunista. Em breve irão cobrar pelo ar que a gente respira.

Respond

Antonio Ismael leite

#178171

24/09/2025 09:50

“” o imperio contra ataca .
.tatayatará ,serão créditos imperiais”

Respond

Real CBDC Project Proposes Full Tracking of Transactions by CPF and CNPJ and Withdrawal of R$ 100 and R$ 200 Notes

Bill Proposes the Creation of the CBDC of the Real, Replacement of Physical Currency, and Tracking of All Transactions by CPF or CNPJ. See What Changes.

What the Text Foresees About the CBDC of the Real

Why the Country is Considering the CBDC of the Real

How the End of Physical Currency Would Look

Impacts and Concerns About the CBDC of the Real

Expected Stages of the CBDC of the Real PLP

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Real CBDC Project Proposes Full Tracking of Transactions by CPF and CNPJ and Withdrawal of R$ 100 and R$ 200 Notes

Bill Proposes the Creation of the CBDC of the Real, Replacement of Physical Currency, and Tracking of All Transactions by CPF or CNPJ. See What Changes.

What the Text Foresees About the CBDC of the Real

Why the Country is Considering the CBDC of the Real

How the End of Physical Currency Would Look

Impacts and Concerns About the CBDC of the Real

Expected Stages of the CBDC of the Real PLP

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.

Under nearly 2 kilometers of ice in Antarctica, scientists have discovered an ancient landscape sculpted by rivers up to 60 million years ago, the size of Wales, preserved as a time capsule that could help predict the advance of ice towards the ocean.

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.

For the economist José Kobori, the USA gained a trump card to “blackmail” Brazil and undermine China’s influence by classifying the PCC and Comando Vermelho as terrorists, increasing the power to pressure companies, banks, and even Pix.

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