Other methods besides PIX have five payment trends for 2025

Using Pix as a payment method is already a national habit among Brazilians. Used by 76.41% of the population, according to a survey by the Central Bank, Pix is accepted in Brazilian businesses in the digital environment. Of 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 regarding the provision and charging of fees for Pix. This misinformation has had a significant impact on the system's use. Many Brazilians, both entrepreneurs and freelancers, have become wary of using it. While this has generated some concern for Brazil, it doesn't translate to the payment method used by every citizen in 2025, who still intend to use it.

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 NFC (Near Field Communication) payments, this trend is driven by digitalization, the increased use of smartphones and smartwatches, and the convenience of not having to enter passwords or take out cards from your wallet. The use of cell phones…

As for what's to come, Drex, as a CBDC (Central Bank Digital Currency), promises greater agility, security, and financial inclusion for large transactions. Drex is a digital version of the Brazilian Real, meaning one Drex is equivalent to R$1. However, it only exists in digital wallets and can only be accessed through digital wallets at financial institutions.

Drex is currently in a pre-testing phase with a launch scheduled for 2025. The intended purpose is to create coins and compress them to be used in exchange for goods, or in more complex transactions such as purchasing real estate, automobiles, and others, through the use of self-executing contracts. Unlike PIX, which is an instant payment system, Drex is the digital currency.

Digital assets are moving beyond speculative use, and cryptocurrencies are becoming practical alternatives for payment methods. According to Statista, in 2023 alone, transactions using these assets reached $1.62 billion, and growth is expected to grow by 200% by 2030. Fast food chains like Burger King and KFC already accept cryptocurrencies as payment in countries like Canada and Venezuela.

Backed by stable assets such as the dollar or the real, stablecoins differ from other cryptocurrencies by being pegged to a specific value and are becoming a new payment alternative. Every month, more and more Visa and Mastercard branches are incorporating these assets into their payment networks, enabling greater agility and lower costs for international transactions.

The "Buy Now, Pay Later" (BNPL) model stands out for enabling consumers who don't have access to credit cards or loans to use services and products with interest-free installments. Mobiup already has a solution called Trade and Go that offers this type of payment. This method, already widely offered by fintechs, is now being adopted by large financial institutions and retailers. By 2025, BNPL is likely to see further advancements, where it will be better integrated into shopping apps and banking platforms, improving 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, as it allows for greater flexibility and security.