1. PIX niyo iyoboye isoko.
Uburyo bwo kwishyurana ako kanya muri Brezili bwabaye uburyo bukundwa n'abaturage. Nk'uko ubushakashatsi bwakozwe na MindMiners bubivuga, hafi 73% by'Abanyabrezili bavuga ko PIX ari bwo buryo bwo kwishyura bukoreshwa cyane mu buzima bwabo bwa buri munsi. Ubushakashatsi bwakozwe n'Ikigo cya Getúlio Vargas (FGV) bwerekana ko 63% by'Abanyabrezili bakoreshaga PIX nibura rimwe mu kwezi.
Mu gihembwe cya mbere cya 2025, sisitemu yari imaze kwandika ibikorwa miliyoni 250.5 mu munsi umwe (ku ya 6 Mata), byose hamwe bikaba bingana na miliyari 124.4 z'ama-R$ - imibare yari kuzarenga amezi nyuma yaho, muri Nzeri, hamwe n'agahigo gashya k'ibikorwa miliyoni 290 bya buri munsi.
2. Brezili iri mu bihugu 5 bya mbere ku isi mu gukoresha cryptocurrency.
Dukurikije amakuru aturuka muri raporo ya Chainalysis, ikigo gishinzwe gusesengura blockchain, Brezili ni yo ifite ubukungu bunini bwa crypto muri Amerika y'Epfo, imaze kubona ingano ya miliyari 318.8 z'amadolari y'Amerika kuva muri Nyakanga 2024 kugeza muri Kamena 2025. Iyi mibare, igaragaza ko izamuka rya buri mwaka rirenga 100%, igaragaza akamaro k'amafaranga y'impinduka n'ubushobozi bwayo ku bukungu bwa Brezili n'abaturage bayo.
Mu 2024, igihugu cyagurishije amafaranga asaga miliyari 318.8 z'amadolari y'Amerika mu ikoranabuhanga rya "cryptocurrencies", aho abakiriya b'ibigo bagize 70% by'amafaranga yagurishijwe ku isoko . Amakuru aturuka muri Banki Nkuru agaragaza ko, hagati ya Mutarama na Nzeri 2024, ibicuruzwa by'amafaranga ya "crypto" byiyongereyeho 60.7%, bitewe ahanini n'ikoreshwa ry'ama -stable coins , ahwanye na 70% by'ibikorwa.
3. Imari Ifunguye iba umupaka ukurikiraho wo gushyira mu bikorwa imari.
Ishyirahamwe ry’amabanki rya Brezili (Febraban) ryashyize mu bikorwa na Banki Nkuru mu 2021, ryitezwe ko rizakomera mu 2026 nk’inkingi nyamukuru y’udushya mu by’imari. Ubu buryo bumaze kurenga miliyoni 62 z’amasezerano y’ubufatanye, nk’uko bivugwa n’Ishyirahamwe ry’Amabanki rya Brezili (Febraban) , bwiyongereyeho 44% mu mwaka umwe, nubwo 55% by’Abanyabrezili bataramenya ibyiza byabwo.
Uretse kuba PIX ari iterambere gusa, Open Finance yemerera abantu kubona inguzanyo zihendutse kandi zihariye, kugereranya ibicuruzwa mu buryo bwihuse, kwimuka vuba hagati y’ibigo, no gusangira amakuru mu buryo bwihuse. Icyiciro gikurikiraho kigena ubufatanye n’ubwishingizi, gahunda za pansiyo, n’ishoramari, kwagura uburyo serivisi z’imari zishyirwamo kandi zigashyirwa ku giti cyabo.
4. Umushinga wa Nexus uteganya guhuza ibikorwa byo kwishyura ako kanya ku isi yose.
Banki Mpuzamahanga y’Imiturire (BIS) urubuga Nexus , biteganijwe ko ruzahuza uburyo bwo kwishyurana bwihuse buturutse mu bihugu 60, harimo na PIX yo muri Brezili. Uyu mushinga ubu uri mu cyiciro cyo kugerageza muri Maleziya, Singapuru, no mu karere ka Euro.
5. Brezili isanzwe ari iya mbere ku isi mu ikoreshwa ry'ama-wallets yo mu buryo bw'ikoranabuhanga.
Nk’uko Global Payments Report 2025 , 84% by’Abanyabrezili basanzwe bakoresha wallets zo kuri interineti nka PicPay, Mercado Pago, Apple Pay, na Google Pay, imwe mu biciro biri hejuru cyane ku isi. Mu bice bimwe na bimwe by’ubucuruzi bwa elegitoroniki, wallets zimaze kurenga amakarita y’inguzanyo nk’uburyo bwo kwishyura bukundwa cyane.
6. Biteganijwe ko kwishyurana kuri interineti bizaba 80% by'ubucuruzi bwa elegitoroniki bitarenze umwaka wa 2030.
Nk’uko raporo y’amafaranga mpuzamahanga ya Worldpay yo mu 2025 , kwishyura hakoreshejwe ikoranabuhanga biteganijwe ko bizatwara amafaranga arenga 80% by’amafaranga akoreshwa mu bucuruzi bwo kuri interineti muri Brezili mu 2030. Amafaranga y’ikoranabuhanga, asanzwe akoreshwa na 84% by’Abanyabrezili, ateganijwe kuba arenga tiriyari 28 z’amadolari y’Amerika ku isi mu mpera z’iki mwaka.
7. Banki Nkuru ikomeje gushora imari mu mutekano kugira ngo hirindwe uburiganya.
Nubwo byakoreshejwe cyane, PIX iracyarimo guhindurwa ku bijyanye n'umutekano. Amakuru aturuka muri Banki Nkuru, yabonetse binyuze mu Itegeko ryo Kubona Amakuru, agaragaza ko igihombo cyatewe n'uburiganya cyiyongereyeho 70% mu 2024, kigera kuri miliyari 4.9 z'amadolari y'Amerika.
Mu rwego rwo guhangana n’iki kibazo, Banki Nkuru yashyizeho uburyo bwihariye bwo kugaruza amafaranga (Special Refund Mechanism - MED), kandi amabanki arimo kongera ishoramari mu buhanga bw’ubukorano no gukurikirana amakuru mu buryo butunguranye.
Brezili irimo kwerekeza ku buyobozi mu bukungu bushingiye ku ikoranabuhanga no ku bukungu bushingiye ku nzego z’ibanze.
Imibare yatanzwe nta gushidikanya: Brezili iri ku isonga mu mpinduramatwara mu kwishyurana mu buryo bw'ikoranabuhanga kandi izakomeza kuba uko umwaka utaha. Guhuza uburyo bwo kwishyurana bwa rubanda bukora neza cyane (PIX) hamwe no gukoresha ikoranabuhanga rigezweho (cryptocurrencies) birema ibidukikije bidasanzwe ku isi, bishobora gukorera buri wese kuva ku bacuruzi bato kugeza ku masosiyete manini mpuzamahanga.
Kuba PIX na Brezili bitabira Nexus System mu rwego mpuzamahanga bigaragaza ko iki gihugu kidakurikiza gusa intera iri hagati y’ibihugu ku isi, ahubwo kibayobora. Kubera ko 63% by’abaturage basanzwe bakoresha uburyo bwo kwishyura ako kanya buri gihe kandi igice kinini cy’Abanyabrezili bafite imitungo ya crypto, isoko ry’igihugu riri kwishyira hamwe nk’aho ari laboratwari y’udushya ku rwego rw’imari ku isi.
“Amasosiyete na ba rwiyemezamirimo bagomba kubona ko uburyo bwo kwishyurana mu buryo bw’ikoranabuhanga ari igice cy’ingenzi cy’ingamba zabo. Guhuza uburyo butandukanye - kuva kuri PIX kugeza kuri cryptocurrencies, harimo na wallets za digitale n’ibisubizo mpuzamahanga - bizaba ingenzi mu guhangana. Iyi gahunda iratangiye, aho Brezili iri ku mwanya wa mbere mu mpinduramatwara mu kwishyurana mu buryo bw’ikoranabuhanga,” ibi ni ibyagaragajwe na CRO wa Azify.
Ibibazo by’umutekano, nk’uburiganya bwateje igihombo cya miliyari 4.9 z’amadolari y’Amerika mu 2024, bigaragaza ko iterambere ry’ikoranabuhanga rigomba kujyana n’ishoramari rikomeye mu kurinda no kwigisha ikoranabuhanga. Banki Nkuru yakomeje gukora ibishoboka byose ikoresheje uburyo bwo gusubiza amafaranga hamwe n’amabwiriza akaze, ariko inshingano zigasangirwa hagati y’ibigo by’imari, amasosiyete n’abakoresha.
“Hamwe n’uburyo bushya bwa PIX, kwaguka kwa Open Finance, no guhuza imari ya crypto nk’itsinda ryemewe ry’umutungo, Brezili iri kwinjira mu myaka icumi y’impinduka mu buryo bwayo bw’imari. Ikibazo ubu ni ugusobanukirwa umuvuduko w’iyi mpinduka n’uburyo amasosiyete n’abaguzi bazamenyera ibintu bigenda birushaho kuba byiza mu buryo bw’ikoranabuhanga no mu buryo bworoshye, ibikorwa igihugu kimaze kugira uruhare runini ku isi,” irasoza inzobere ya Azify.
