About to complete four years of operation, Pix has established itself among the payment methods in Brazil. The mode of immediate transfer – and free – of values won over the Brazilians, having revolutionised your daily financial life. According to data from the Central Bank, last September, foram feitas cinco,6 billion transactions via Pix, with 169,3 milhões de utilizadores. Compared to the same period in 2023, the heights were 46,7% e 9,5%, respectively. However, success does not allow authorities to become complacent. As with all innovation, it is necessary to make constant adjustments, to improve the system and enhance its safety conditions
With Pix it's no different. Being a widely used and accepted payment method in the country, he needs constant monitoring for prevention, control and solution of scams and frauds. This constant vigilance helps maintain the solidity and reliability of this payment method. Not by chance, On 1 November new BC rules for Pix come into effect. The authority's intention is to strengthen security for users
One of the main changes is the mandatory registration of devices by banks for full system access. With this new rule, users will need to register their devices (mobile phones, laptops and desktops for making Pix transfers. Without registration, the maximum amount per transfer will be only R$ 200, with a daily cap of R$ 1.000. In practice, this measure aims to restrict movements through new or unknown devices, ensuring greater security in situations where banking access occurs via third-party devices – o que é muito comum no vazamento de dados ou em roubos de logins e passwords
In another area of activity, The BC encourages financial institutions to adopt more effective methods for identifying transactions outside each user's typical behaviour profile. With this action, pretend to encourage banks to proactively prevent frauds. In the same vein, The BC begins to require financial institutions to carry out regular internal customer verifications – approach known as "know your customer" (KYC) – every six months. The idea is that institutions compare the data with fraud records maintained by the BC
In conjunction, these actions have a double positive effect. Além de contribuírem para reduzir os problemas com golpes e fraudes relacionados ao Pix, tend to strengthen the entire financial ecosystem. Isso porque dificultam a ação de criminosos que frequentemente trocam de dispositivos para evitar rastreamento – whether in Pix frauds or with other financial market instruments. In other words, the protection of the system as a whole must become even more robust
The four-year anniversary of Pix is not only about security updates. The BC also begins to adopt innovations expected for some time. A good example is recurring Pix, que deve começar em 2025. This tool will enable automatic payment of utility bills (water, light, telephony, among others, o que proporcionará maior comodidade tanto para os clientes quanto para os fornecedores
Gradually, with the help of the good acceptance of Pix, functionalities such as DDA (direct debit authorization) and recurring Pix tend to overcome users initial resistance and gain increasing adoption. This happens as these tools prove effective in increasing security and convenience in essential service payments. These innovations offer benefits not only to consumers, but also to the suppliers, que podem contar com uma maior previsibilidade financeira
Todo este contexto reflete uma evolução natural do ecossistema de pagamentos instantâneos no Brasil, driven by the widespread adoption of Pix in Brazil. And, with continuous improvements, the system adapts to market demands while enhancing security, creating opportunities for products and services in various sectors that already use Pix as the main means of financial transactions
