1. PIX dominates the market
The Brazilian instant payment system has become the preferred method of the population survey from MindMiners, about 73% of Brazilians say that PIX is the most used means of payment in everyday life prep the Getulio Vargas Foundation (FGV) reveals that 63% of Brazilians used PIX at least once a month.
In the first quarter of 2025, the system it had already recorded 250.5 million transactions in a single day (6 April), moving R$ 124.4 billion % that would be surpassed months later in September, with the new record of 290 million daily transactions.
2. Brazil among the top 5 global in cryptocurrency adoption
According to data from the last report from Chainalysis, a blockchain analytics company, Brazil is the largest crypto economy in Latin America, having recorded crypto transaction volumes of US$ 318.8 billion from July 2024 to June 2025. The number, which implies an annual growth of more than 100%, highlights the growing relevance of cryptocurrencies and their possibilities for the Brazilian economy and its citizens.
In 2024, the country traded more than US$ 318.8 billion in cryptocurrencies, with institutional clients accounting for 70% of the volume traded at the highest exchange brasilian. Data central Bank reports that between January and September 2024, crypto imports increased by 60.7%, driven mainly by the use of stablecoins, which represent 70% of transactions.
3. Open Finance becomes the next frontier of financial inclusion
Implemented by the Central Bank in 2021, Open Finance is expected to consolidate by 2026 as the central axis of financial innovation in Brazil.The system has already exceeded 62 million active consents, according to the Brazilian Federation of Banks (Febraban), a growth of 44% in a year, although 55% of Brazilians still do not know its benefits.
More than an evolution of PIX, Open Finance allows access to cheaper and personalized credit, real-time product comparison, rapid migration between institutions and greater security in data sharing.The next phase provides integration with insurance, pension and investments, expanding the inclusion and customization of financial services.
4. The Nexus project provides for global integration of instant payments
The Bank of International Settlements (BIS) is developing the Systemthe platform Nexus, which should integrate instant payment systems from 60 countries, including the Brazilian PIX.The project is in the testing phase in Malaysia, Singapore and the Eurozone.
5. Brazil is already a world leader in the use of digital wallets
According to the Global Payments Report 2025 from Worldpay, 84% of Brazilians already use digital wallets like PicPay, Mercado Pago, Apple Pay and Google Pay, one of the highest rates in the world.In some e-commerce segments, wallets already outperform credit card as the preferred payment method.
6. Digital payments should represent 80% of e-commerce by 2030
according to the Global Payments Report 2025 from Worldpay, digital payments should represent more than 80% of the amount spent on Brazilian e-commerce by 2030. Digital wallets, already used by 84% of Brazilians, should exceed US$ 28 trillion globally by the end of the decade.
7. Central Bank continues to invest in security to prevent fraud
Despite widespread adoption, the PIX still undergoes adjustments in relation to security. Central Bank data via the Access to Information Act reveal that fraud losses grew by 70% in 2024, reaching R$ 4.9 billion.
To combat the problem, the BC implemented the Special Return Mechanism (MED) and banks intensify investments in artificial intelligence and real-time monitoring.
Brazil moves towards leadership in digital and decentralized economy
The figures presented leave no doubt: Brazil is at the forefront of the digital payments revolution and will follow this next year. The combination of a highly efficient public instant payment system (PIX) and the growing adoption of decentralized technologies (cryptocurrencies) creates a unique ecosystem in the world, capable of serving from the small merchant to large multinational corporations.
The internationalization movement of PIX and the Brazilian participation in the Nexus System indicate that the country not only follows global trends, but leads them. With 63% of the population already using instant payments regularly and a significant portion of Brazilians holding crypto assets, the national market is consolidated as an innovation laboratory for the global financial system.
“Companies and entrepreneurs need to see the digitization of payments as a central part of their strategy.The combination of different PIX methods to cryptocurrencies, including digital wallets and international solutions DO will be decisive for competitiveness. This movement is already underway, with Brazil occupying a leading position in the digital payments revolution”, CRO highlights from Azify.
Security challenges, such as frauds that resulted in losses of R$ 4.9 billion in 2024, demonstrate that technological advancement must be accompanied by robust investments in digital protection and education.The Central Bank has been proactively acting with devolution mechanisms and stricter regulations, but responsibility is shared among financial institutions, companies and users.
“With the arrival of new PIX modalities, the expansion of Open Finance and the consolidation of cryptocurrencies as a legitimate asset class, Brazil enters a new decade of transformation in the financial system.The challenge now is to understand the speed of this change and how companies and consumers will adapt to an increasingly digital and decentralized scenario, a movement in which the country already plays a global leadership role”, concludes the Azify expert.
