The use of Pix as a payment method is already a national habit among Brazilians. Used by 76,4% of the population, according to a survey by the Central Bank, Pix is accepted in Brazilian businesses in a digital environment. Among all the payment options available in Brazil, the service provided by the Central Bank is the most sought after by Brazilians
Recently, a series of rumors have emerged related to the topic of disposition and the charging of fees for Pix. This misinformation had a significant impact on the use of the system. Many Brazilians, both entrepreneurs and freelancers, they started to become hesitant to use. Although this has generated some concern in Brazil, this does not translate to the payment method used by each citizen in 2025, that still intends to use
However, according to data from the Central Bank (BC) the percentage of contactless transactions with credit cards increased from 23,1% in 2022 to 31,1% in 2023
Better known as contactless payments or payments via NFC (Near Field Communication), this trend is driven by digitalization, to the increase in the use of smartphones and smartwatches, and for the convenience of not having to type passwords or having to take the card out of the wallet. The use of cell phones
Regarding what is to come, the Drex, considering that the CBDC (Central Bank Digital Currency), promises greater agility, security and financial inclusion in large transactions. Drex is a digital version of the Real, that is, one Drex is equivalent to R$1, as long as, to the contrary, only exists among digital wallets, made only accessible through digital wallets in financial institutions
Drex is currently in the pre-testing phase with a planned launch for 2025. Until they intend to achieve the construction of coins and tablets, to be used in exchange for goods, or in more complex transactions such as the purchase of real estate, automobiles, among others, through the use of self-executing contracts. Unlike PIX, what is an instant payment system, in which Drex is the digital currency
Digital assets go beyond their speculative use, and cryptocurrencies are becoming practical alternatives in payment methods. According to the Statista platform, only in 2023, the transactions with these assets reached the mark of 1,62 billion dollars, and the expectation is that there will be a growth of 200% by 2030. Fast food chains, like Burger King and KFC, they already accept cryptocurrencies as a form of payment in countries like Canada and Venezuela
With backing in stable assets, like the dollar or the real, stablecoins differ from other cryptocurrencies by being backed by a specific value and becoming a new payment alternative. Monthly, more and more departments of Visa and Mastercard are incorporating these assets into their payment networks, allowing for greater agility and reduction in the cost of international transactions
The "Buy Now" model, "Buy Now, Pay Later" (BNPL) stands out by allowing consumers who do not have access to credit cards or loans to use services and products with interest-free installment payments. Mobiup already has a solution called Trade and Go that offers this type of payment. This modality, which is already widely offered by fintechs, is now being adopted by large financial institutions and retailers. By 2025, it is likely that there will be new advancements with BNPL, where it will be better integrated into shopping apps and banking platforms, enhancing the user experience
The year 2025 will bring dramatic changes in payment methods, and this is very positive for users who have more options to manage their assets, because it allows greater flexibility and security
