{"schema_version":"1.5","generated_at":"2026-07-31T18:00:00Z","data":{"id":"pmt_pix","type":"payment_method","name":"Pix","shortName":"Pix","collection":"methods","slug":"pix","description":"Introduced in 2020, Pix is a bank-transfer payment method for account-to-account payments.","summary":"The Pix payment method initiates with keys or QR codes and settles through SPI.","aliases":["PIX","Brazil instant payments","instant A2A","QR payment"],"visual":{"kind":"logo","src":"https://htmonfohxuipdpmznlcj.supabase.co/storage/v1/object/public/entity-assets/payment-methods/pmt_pix.png?v=57da8ce9c6ff4889","label":"Pix"},"identifiers":{"Type":"Bank Transfer","System":"SPI"},"claims":[{"key":"live_date","label":"Full operation","value":"16 November 2020","sourceIds":["bcb-pix-launch"],"confidence":"high","observedAt":"2026-07-31","effectiveFrom":"2020-11-16"},{"key":"type","label":"Type","value":"Bank Transfer","sourceIds":["bcb-pix-overview"],"confidence":"high","observedAt":"2026-07-31"},{"key":"settlement","label":"Settlement infrastructure","value":"Instant Payment System (SPI)","sourceIds":["bcb-spi","bcb-pix-role"],"confidence":"high","observedAt":"2026-07-31"},{"key":"governance","label":"Pix governance","value":"Banco Central do Brasil","sourceIds":["bcb-pix-role"],"confidence":"high","observedAt":"2026-07-31"},{"key":"availability","label":"Availability","value":"24 hours a day, every day","sourceIds":["bcb-pix-overview"],"confidence":"high","observedAt":"2026-07-31"},{"key":"users","label":"Adoption","value":"Nearly 170 million users","sourceIds":["bcb-pix-five-years"],"confidence":"high","observedAt":"2026-07-31","effectiveFrom":"2025-11-23"},{"key":"annual_volume","label":"2024 transaction volume","value":"63 billion transactions","sourceIds":["bcb-pix-five-years"],"confidence":"high","observedAt":"2026-07-31","effectiveFrom":"2024"},{"key":"annual_value","label":"2024 transaction value","value":"BRL 26.4 trillion","sourceIds":["bcb-pix-five-years"],"confidence":"high","observedAt":"2026-07-31","effectiveFrom":"2024"},{"key":"volume_growth","label":"2024 volume growth","value":"+52% year over year","sourceIds":["bcb-payment-instruments-2024"],"confidence":"high","observedAt":"2026-07-31","effectiveFrom":"2024"}],"sourceIds":["src:br:35a2da6b9fe3a53886ad","src:br:9f78d2f8f17257abb39b","src:br:fd59e08a2cad33343e30","bcb-pix-launch","bcb-pix-overview","bcb-spi","bcb-pix-role","bcb-pix-five-years","bcb-payment-instruments-2024"],"updatedAt":"2026-08-30","entitySubtype":"payment_method","sectionIntros":{"psps":"PSP-specific Pix implementations, kept separate from the underlying payment method.","markets":"Markets and currencies connected to Pix across consumer, processing and settlement flows.","schemes":"Schemes connected to Pix, using the same four-metric model as the overview.","systems":"Systems connected to Pix, using the same four-metric model as the overview.","standards":"Standards connected to Pix.","compliance":"Regulators and regulations connected to Pix.","capabilities":"How Pix works across its supported payment flows, normalized to the Atlas capability model."},"contextualMetricsByEntityId":{"mkt_br":[{"metricKey":"users","label":"# Users","value":"157M users","numericValue":157000000,"unit":"users","period":"Aug 2026","detail":"Resident-based Brazil measurement as of 2026-08-27. Primary period 2025-08-01 through 2026-07-31; cards and listed providers mainly 2025-07-01 through 2026-06-30. Current annualized run rate used where TTM was unavailable. Payer must be a Brazil resident; inbound non-residents excluded. Direct BCB Pix series translated to natural-person resident payers and rolled to the latest trailing twelve months. Metric: unique Brazil-resident users with at least one payment during the trailing-twelve-month user period.","sourceIds":["src:br:35a2da6b9fe3a53886ad","src:br:9f78d2f8f17257abb39b","src:br:fd59e08a2cad33343e30"],"sourceEvidence":[{"sourceId":"src:br:35a2da6b9fe3a53886ad","role":"evidence"},{"sourceId":"src:br:9f78d2f8f17257abb39b","role":"evidence"},{"sourceId":"src:br:fd59e08a2cad33343e30","role":"evidence"}],"confidenceScore":97,"confidenceLevel":"very_high"},{"metricKey":"transactions","label":"Transactions","value":"77B","numericValue":76612939585,"unit":"transactions","period":"Aug 2026","detail":"Resident-based Brazil measurement as of 2026-08-27. Primary period 2025-08-01 through 2026-07-31; cards and listed providers mainly 2025-07-01 through 2026-06-30. Current annualized run rate used where TTM was unavailable. Payer must be a Brazil resident; inbound non-residents excluded. Direct BCB Pix series translated to natural-person resident payers and rolled to the latest trailing twelve months. Metric: annual completed payment transactions by Brazil residents.","sourceIds":["src:br:35a2da6b9fe3a53886ad","src:br:9f78d2f8f17257abb39b","src:br:fd59e08a2cad33343e30"],"sourceEvidence":[{"sourceId":"src:br:35a2da6b9fe3a53886ad","role":"evidence"},{"sourceId":"src:br:9f78d2f8f17257abb39b","role":"evidence"},{"sourceId":"src:br:fd59e08a2cad33343e30","role":"evidence"}],"confidenceScore":97,"confidenceLevel":"very_high"},{"metricKey":"tpv","label":"TPV","value":"$2.9T","numericValue":2946402888346,"unit":"USD","period":"Aug 2026","detail":"Resident-based Brazil measurement as of 2026-08-27. Primary period 2025-08-01 through 2026-07-31; cards and listed providers mainly 2025-07-01 through 2026-06-30. Current annualized run rate used where TTM was unavailable. Payer must be a Brazil resident; inbound non-residents excluded. Direct BCB Pix series translated to natural-person resident payers and rolled to the latest trailing twelve months. Metric: annual gross completed payment value in BRL by Brazil residents.\n\nUSD companion derived from metric:pmt_pix:tpv:mkt_br:2026-08-27 using FX measurement metric:cur_brl:fx-rate:usd:2026-08-27 at 0.19372336303758233243 USD per BRL.","sourceIds":["src:br:00a15b09a37de777c26f","src:br:35a2da6b9fe3a53886ad","src:br:9f78d2f8f17257abb39b","src:br:fd59e08a2cad33343e30"],"sourceEvidence":[{"sourceId":"src:br:00a15b09a37de777c26f","role":"evidence"},{"sourceId":"src:br:35a2da6b9fe3a53886ad","role":"evidence"},{"sourceId":"src:br:9f78d2f8f17257abb39b","role":"evidence"},{"sourceId":"src:br:fd59e08a2cad33343e30","role":"evidence"}],"confidenceScore":97,"confidenceLevel":"very_high"}]},"methodProfile":{"flow":[{"title":"Choose Pix","detail":"The payer selects Pix at checkout or receives a payment request."},{"title":"Open bank or wallet","detail":"A QR code is scanned or its copy-and-paste code is opened in a participating app."},{"title":"Review and authorize","detail":"The payer verifies recipient and amount, then authenticates the transfer."},{"title":"Settle through SPI","detail":"Funds move between participating providers and confirmation returns in seconds.","entityId":"sys_spi"}],"section_intros":{"psps":"PSP-specific Pix implementations, kept separate from the underlying payment method.","markets":"Markets and currencies connected to Pix across consumer, processing and settlement flows.","schemes":"Schemes connected to Pix, using the same four-metric model as the overview.","systems":"Systems connected to Pix, using the same four-metric model as the overview.","standards":"Standards connected to Pix.","compliance":"Regulators and regulations connected to Pix.","capabilities":"How Pix works across its supported payment flows, normalized to the Atlas capability model."},"channels":["Online","In-Person"],"initiation":["Dynamic QR code","Static QR code","Pix key","Copy-and-paste code"],"metrics":[],"headlineMetrics":[{"metricKey":"users","label":"# Users","value":"170M","numericValue":170000000,"unit":"count","period":"Nov 2025","detail":"Latest BCB user count","sourceIds":["bcb-pix-five-years"],"sourceEvidence":[{"sourceId":"bcb-pix-five-years","role":"evidence"}]},{"metricKey":"transactions","label":"Transactions","value":"63B","numericValue":63000000000,"unit":"transactions","period":"2024","detail":"Full-year Pix transaction count","sourceIds":["bcb-pix-five-years"],"sourceEvidence":[{"sourceId":"bcb-pix-five-years","role":"evidence"}]},{"metricKey":"tpv","label":"TPV","value":"$4.9T","numericValue":4922309817663,"unit":"USD","period":"2024","detail":"Full-year Pix value\n\nUSD companion derived from metric:pmt_pix:method:headline_metrics.04.annualized-processing-value using FX measurement metric:cur_brl:fx-rate:usd:2024-annual at 0.18645112945692408 USD per BRL.","sourceIds":["bcb-pix-five-years","ecb-annual-reference-exchange-rates"],"sourceEvidence":[{"sourceId":"bcb-pix-five-years","role":"evidence"},{"sourceId":"ecb-annual-reference-exchange-rates","role":"evidence"}]}],"series":[],"capabilities":[{"label":"Instant confirmation","detail":"The payment and its status are returned in near real time."},{"label":"Account-to-account","detail":"Funds move directly between transaction accounts without a card rail."},{"label":"Broad use cases","detail":"Supports transfers and payments between people, companies and government entities."},{"label":"Central governance","detail":"Rules, brand and core infrastructure sit under Banco Central do Brasil."}]},"relationships":[{"id":"rel_cmp_71c9159ebb86c9c06abe1591","from":"cmp_br_lgpd","to":"pmt_pix","type":"applies_to","label":"applies to covered payment activity","sourceIds":["br-lgpd"],"from_entity":"Brazil General Data Protection Law","to_entity":"Pix"},{"id":"rel_cmp_873a0044fe56cd676011c3e2","from":"cmp_bcb_resolution_195_2022","to":"pmt_pix","type":"applies_to","label":"applies to covered payment activity","sourceIds":["bcb-resolution-195"],"from_entity":"BCB Resolution No. 195/2022 — SPI operational rules","to_entity":"Pix"},{"id":"rel_cmp_ac62b9f241e7955a478235fa","from":"cmp_br_bcb_circular_3978_2020","to":"pmt_pix","type":"applies_to","label":"applies to covered payment activity","sourceIds":["src_cmp_d940a1e9fae02e758d96"],"from_entity":"BCB Circular 3,978/2020 — AML/CFT Controls","to_entity":"Pix"},{"id":"rel_pix_bcb","from":"pmt_pix","to":"reg_bcb","type":"regulated_by","label":"governed by","sourceIds":["bcb-pix-role"],"from_entity":"Pix","to_entity":"Banco Central do Brasil"},{"id":"rel_pix_br","from":"pmt_pix","to":"mkt_br","type":"available_in","label":"available in","sourceIds":["bcb-pix-overview","src:br:35a2da6b9fe3a53886ad","src:br:9f78d2f8f17257abb39b","src:br:fd59e08a2cad33343e30"],"from_entity":"Pix","to_entity":"Brazil"},{"id":"rel_pix_brazil_law","from":"pmt_pix","to":"cmp_brazil_law_12865_2013","type":"governed_by","label":"governed by","sourceIds":["bcb-law-12865"],"from_entity":"Pix","to_entity":"Brazil Law No. 12,865/2013 — payment arrangements and institutions"},{"id":"rel_pix_iso20022","from":"pmt_pix","to":"std_iso_20022","type":"conforms_to","label":"uses ISO 20022 messages","sourceIds":["bcb-spi-iso20022","iso-20022-overview"],"from_entity":"Pix","to_entity":"ISO 20022 Financial Services — Universal financial industry message scheme"},{"id":"rel_pix_spi","from":"pmt_pix","to":"sys_spi","type":"uses_rail","label":"settled by","sourceIds":["bcb-pix-role","bcb-spi"],"from_entity":"Pix","to_entity":"Instant Payment System (SPI)"},{"id":"rel_pmt_pix_cur_brl","from":"pmt_pix","to":"cur_brl","type":"denominated_in","label":"denominated in","sourceIds":["bcb-spi"],"from_entity":"Pix","to_entity":"Brazilian real"},{"id":"rel_std_audit_9260799a0881960cf2416393","from":"std_pix_regulation","to":"pmt_pix","type":"applies_to","label":"governs","sourceIds":["bcb-pix-regulation"],"from_entity":"Pix Regulation","to_entity":"Pix"},{"id":"rel:pm-scheme:99pay:pix","from":"pmt_99pay","to":"pmt_pix","type":"funded_by","label":"supports","sourceIds":[],"from_entity":"99Pay","to_entity":"Pix"},{"id":"rel:pm-scheme:nupay:pix","from":"pmt_nupay","to":"pmt_pix","type":"funded_by","label":"supports","sourceIds":[],"from_entity":"NuPay","to_entity":"Pix"},{"id":"rel:pm-scheme:pagbank:pix","from":"pmt_pagbank","to":"pmt_pix","type":"funded_by","label":"supports","sourceIds":[],"from_entity":"PagBank","to_entity":"Pix"},{"id":"rel:pm-scheme:picpay:pix","from":"pmt_picpay","to":"pmt_pix","type":"funded_by","label":"supports","sourceIds":[],"from_entity":"PicPay","to_entity":"Pix"},{"id":"rel:pm-scheme:recargapay:pix","from":"pmt_recargapay","to":"pmt_pix","type":"funded_by","label":"supports","sourceIds":[],"from_entity":"RecargaPay","to_entity":"Pix"}]},"provenance":[{"id":"src:br:35a2da6b9fe3a53886ad","title":"Banco Central do Brasil — Pix open dataset","publisher":"","publisherEntityIds":[],"url":"https://dadosabertos.bcb.gov.br/dataset/pix","canonicalUrl":"https://dadosabertos.bcb.gov.br/dataset/pix","jurisdiction":"","marketEntityIds":[],"retrievedAt":"2026-08-28","createdAt":"2026-08-28T00:17:53.468661+00:00"},{"id":"src:br:9f78d2f8f17257abb39b","title":"Banco Central do Brasil — Pix management report 2026","publisher":"","publisherEntityIds":[],"url":"https://www.bcb.gov.br/content/estabilidadefinanceira/pix/relatorio_de_gestao_pix/relatorio_gestao_pix_2026.pdf","canonicalUrl":"https://www.bcb.gov.br/content/estabilidadefinanceira/pix/relatorio_de_gestao_pix/relatorio_gestao_pix_2026.pdf","jurisdiction":"","marketEntityIds":[],"retrievedAt":"2026-08-28","createdAt":"2026-08-28T00:17:53.468661+00:00"},{"id":"src:br:fd59e08a2cad33343e30","title":"IBGE — Brazil population estimate 2025","publisher":"","publisherEntityIds":[],"url":"https://agenciadenoticias.ibge.gov.br/agencia-noticias/2012-agencia-de-noticias/noticias/44305-populacao-estimada-do-pais-chega-a-213-4-milhoes-de-habitantes-em-2025","canonicalUrl":"https://agenciadenoticias.ibge.gov.br/agencia-noticias/2012-agencia-de-noticias/noticias/44305-populacao-estimada-do-pais-chega-a-213-4-milhoes-de-habitantes-em-2025","jurisdiction":"","marketEntityIds":[],"retrievedAt":"2026-08-28","createdAt":"2026-08-28T00:17:53.468661+00:00"},null,null,null,null,{"id":"bcb-pix-five-years","title":"Pix at 5 — the innovation that transformed payments in Brazil","publisher":"Banco Central do Brasil","publisherEntityIds":["reg_bcb"],"url":"https://www.bcb.gov.br/en/pressdetail/2640/nota","canonicalUrl":"https://www.bcb.gov.br/en/pressdetail/2640/nota","jurisdiction":"Brazil","marketEntityIds":["mkt_br"],"retrievedAt":"2026-08-11","createdAt":"2026-08-11T19:49:26.079329+00:00"},null],"rights":{"projection":"public","redistribution":"source links and derived facts"}}