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The proposal establishes that R$ 100 and R$ 200 notes be gradually withdrawn from circulation within up to 24 months after eventual approval.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

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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

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Cláudio

#178201

24/09/2025 10:47

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

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Antonio Ismael leite

#178171

24/09/2025 09:50

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

Responder

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

While in Brazil a 10-story building takes 2 years to complete, in China a company stacks pre-fabricated modules and raises the entire building in just 28 hours and 45 minutes.

BRICS is preparing a payment system inspired by the Brazilian PIX that will allow direct transactions between countries using national digital currencies without relying on the dollar or Western banks as intermediaries.

Ethiopia has banned gasoline and diesel cars, placed over a hundred silent electric buses on the streets of Addis Ababa, and now aims for half a million electric vehicles by 2030, all powered by Africa’s largest dam and a courage that few countries have shown.

On the coast of China, fishermen received an official reward after finding 10 foreign underwater devices capable of “stealing secrets” in just two years, showing that the silent war for the seabed has already reached the nets of those who rely on fishing.

A view from space, an image made by NASA shows the impressive Richat Structure, a geological formation located in the Sahara Desert, also known as the “Eye of the Sahara.”

In the South Atlantic, three isolated volcanic islands cause the wind to draw perfect spirals visible from space: a rare phenomenon called von Kármán vortex streets forms symmetrical patterns behind the peaks of the South Sandwich Islands and was recorded by the NOAA-20 satellite in 2025.

Solar-powered ice factory in the Amazon that eliminated a 5-hour trip to Manaus, prevents the loss of up to two-thirds of the fish, and now ensures income for more than 30 riverside families.

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The war in the Middle East has already cost Brazil $882 million in exports that did not leave the country in a single month, with pork falling by 59% and soybeans declining by 25%, and now the agribusiness sector is rushing to find new buyers before the losses double.

Those who plant sugarcane in Brazil are paying R$ 355 more per hectare just because of the rise in diesel prices, and if the price continues to rise, the deficit in agribusiness could exceed R$ 14 billion and put pressure on food prices for everyone.

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