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six. Participants while in the program are subject to BCB regulatory demands. They consist of establishments regulated because of the BCB along with other establishments that technically slide outdoors the regulatory perimeter but turn out to be issue to selected regulatory demands and supervision (as mentioned underneath) if they are permitted to participate in Pix. Even though Pix exercise is mostly completed through domestic and overseas banking institutions (about fifty seven p.c in the yearly quantity of transactions), payment establishments and fintech entities aren't significantly at the rear of (39 p.c), and the remainder is mostly comprised of credit score unions (about 4 per cent).
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This paper discusses The main element design functions of Brazil’s fast payment system (Pix) that have contributed to its results and compares some of its functions with All those of instant payment methods in other international locations. The paper also outlines some remaining worries within the implementation of Pix.