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 stores in the 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 system's usage. Many Brazilians, both entrepreneurs and self-employed, have started to become hesitant to use. Although this has generated some concern in Brazil, it does not translate to the payment method used by each citizen in 2025, which they still intend 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.
Also known as contactless payments or NFC (Near Field Communication) payments, this trend is driven by digitalization, increased use of smartphones and smartwatches, and the convenience of not having to enter passwords or take the card out of the wallet. The use of cell phones…
Regarding what is to come, Drex, being the CBDC (Central Bank Digital Currency), promises greater agility, security, and financial inclusion in large transactions. Drex is a digital version of the Real, meaning one Drex equals R$1, provided that, otherwise, it only exists within digital wallets, accessed solely through digital wallets in financial institutions.
Drex is currently in the pre-testing phase with a planned release in 2025. They aim to develop the construction of coins and compressed tokens, 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, which is an instant payment system, Drex is the digital currency.
Digital assets go beyond their speculative use, and cryptocurrencies are becoming practical alternatives as means of payment. According to the Statista platform, in 2023 alone, transactions with these assets reached $1.62 billion, and it is expected to grow by 200% by 2030. Fast food chains, such as Burger King and KFC, already accept cryptocurrencies as a form of payment in countries like Canada and Venezuela.
With backing in stable assets, such as the dollar or the real, stablecoins differ from other cryptocurrencies by being pegged to a specific value and becoming a new payment alternative. Monthly, more and more Visa and Mastercard departments are incorporating these assets into their payment networks, enabling greater agility and reducing the cost of international transactions.
The "Buy Now, Pay Later" (BNPL) model stands out by enabling 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, there will likely 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 to payment methods, and this is very positive for users who have more options to manage their assets, as it allows greater flexibility and security.
